British Airways American Express® Cards
We offer a range of Credit Cards in conjunction with American Express. Find a Card that’s right for you below.
There's a little holiday in the things you buy
60,000 Avios. 175+ destinations. 1 Card.
For a limited time, get double the usual Welcome Bonus on a BA Amex® Premium Plus Card. Enough to get a Reward Flight to over 175 destinations from just £1. Twice the Avios. Twice the adventure.
Apply through the link below before 8 October and spend £6,000 in your first three months. Exclusive to Executive Club members.
Rep 139.9% APR Var.
New Cardmembers only. Annual fee applies. Terms apply. 18+ UK residents only, subject to status.
Not ready to apply just yet?
We can send the details of our personal British Airways American Express® Cards straight to your email inbox so they’re ready when you are.
British Airways American Express® Credit Card
Representative 31.0% APR variable. No annual fee. Assumed £1,200 credit limit with 31.0% per annum variable purchase rate. T&Cs apply.
- Welcome bonus: Get 5,000 bonus Avios when you spend £2,000 in the first 3 months of Cardmembership. New Cardmembers only¹
- Earn rate: Collect 1 Avios for every £1 spent on purchases¹
- Rewards: Get a Companion Voucher when you spend £12,000 each membership year which is now more flexible than ever. From 1 November you will need to spend £15,000 within each membership year to earn a Companion Voucher. T&Cs apply.
Executive Club members can get an increased Welcome Bonus of 5,000 7,000 Avios when you login & apply through our exclusive offer page below by 8 October.
Companion Voucher
Companion Vouchers are even more valuable and flexible than ever and can now be enjoyed with a companion or solo. Get a Companion Voucher when you spend £12,000 each membership year on the Card, which you can use to either take a companion with you in economy only on the same flight or, if travelling solo, get a 50% discount on the Avios price when you book a British Airways, Aer Lingus or Iberia Reward Flight. Taxes, fees and carrier charges apply per person4.
*From 1 November you will need to spend £15,000 within each anniversary year to earn a Companion Voucher. For example, if your next anniversary date is 1 Feb 2025 you would need to either spend £12,000 by 31 October 2024 or spend £15,000 by 31 January 2025 to earn your Companion Voucher for this membership year.
Ways you can redeem your Companion Voucher
Travel with a companion: The British Airways American Express Credit Card Companion Voucher entitles you to receive a second economy class seat for a companion travelling on the same flight as you for no additional Avios when you make a Reward Flight booking on a British Airways, Aer Lingus or Iberia flight4.
Or
Choose to fly solo: You can use your Companion Voucher as a solo adult travelling on a Reward Flight booking in Euro Traveller or World Traveller (Economy) or other economy cabins and receive a 50% discount on the Avios price for the flight.
More Avios Pricing Options: Whether you’re planning on travelling with a companion or flying solo, you can access all Avios and Money and Reward Flight Saver (RFS) options, meaning your trip could cost as little as £1 in cash6
Travel benefits
From Travel Accident insurance cover to preferential travel arrangements, we’ll help you along the way*:
- Global Assist® provides help when you travel outside of the UK, in your own language, 24/7 7.
- Travel accident insurance protects you for up to £75,000 on public transport when you buy your ticket on your Card7.
*When enrolled in No Additional Charge Insurance
Eligibility
To save you time before applying for your British Airways American Express Credit Card, it's worth making sure you can say yes to all the following:
- I am aged 18 or over
- I have a current UK bank or building society account
- I have a permanent UK home address
- I have no history of bad debt
- And if self–employed, I have been working for more than one year
- I understand I will not be eligible for any Welcome Bonus award if I hold or have held any personal American Express® Cards in the past 24 months.
If you've said yes to all of these, then step this way. Your application could take less than 10 minutes and we may be able to give you a response in less than 60 seconds.
British Airways American Express® Premium Plus Card
Representative 139.9% APR variable. £300 annual fee. Assumed £1,200 credit limit with 31.0% per annum variable purchase rate. T&Cs apply.
- Welcome bonus: Get 30,000 bonus Avios when you spend £6,000 in the first 3 months of Cardmembership. New Cardmembers only.2
- Earn rate: Collect 1.5 Avios for every £1 spent on purchases2
- Rewards: Get a Companion Voucher when you spend £10,000 each membership year which is now more flexible than ever. From 1 November you will need to spend £15,000 within each membership year to earn a Companion Voucher. T&Cs apply.
- Go further: Collect 3 Avios for every £1 spent on British Airways flights and holidays 2
Executive Club members can get double the usual Welcome Bonus of 30,000 60,000 Avios when you login & apply through our exclusive offer page below by 8 October.
Companion Voucher
Companion Vouchers are even more valuable and flexible than ever and can now be enjoyed with a companion or solo. Get a Companion Voucher when you spend £10,000 each membership year on the Card, which you can use to either take a companion with you in the same flight and cabin or, if travelling solo, get a 50% discount on the Avios price when you book a British Airways, Aer Lingus or Iberia flight. British Airways American Express® Premium Plus Cardmembers will have access to additional British Airways Reward Flight seats within business (Club World) when booking with a Companion Voucher, subject to availability. Taxes, fees and carrier charges apply per person5
*From 1 November you will need to spend £15,000 within each anniversary year to earn a Companion Voucher. For example, if your next anniversary date is 1 Feb 2025 you would need to either spend £10,000 by 31 October 2024 or spend £15,000 by 31 January 2025 to earn your Companion Voucher for this membership year.
Ways you can redeem your Companion Voucher
Travel with a companion: The British Airways American Express® Premium Plus Companion Voucher entitles you to receive a second seat for a companion travelling on the same flight as you for no additional Avios when you make a Reward Flight booking on a British Airways, Aer Lingus or Iberia flight.
Or
Choose to fly solo: You can use your Companion Voucher as a solo adult travelling on a Reward Flight booking in any cabin and receive a 50% discount on the Avios price for the flight.
More Avios Pricing Options: Whether you’re planning on travelling with a companion or flying solo, you can access all Avios and Money and Reward Flight Saver (RFS) options, meaning your trip could cost as little as £1 in cash6.
Enhanced availability in Club World: Cardmembers who have earned a Premium Plus Companion Voucher can access tens of thousands of extra Reward seats in Club World (long haul Business Class) when booking a Reward Flight with their Companion Voucher. So whether you're choosing to treat yourself or take a lucky companion with you, you'll be travelling in style.
Travel benefits
Enjoy our travel protection benefits when you travel with us*:
- Global Assist® provides help when you travel outside of the UK, in your own language, 24/77.
- Travel accident insurance protects you for up to £250,000 on public transport when you buy your ticket on your Card6.
- Travel inconvenience insurance covers flight cancellations, delays and delayed luggage when you pay with your Card. exclusions that may apply7.
- £200 for flight delay, overbooking or missed connection.
- £750 for baggage delayed by airline for 6 hours.
- An additional £1,000 for extended baggage delay by airline.
*When enrolled in No Additional Charge Insurance
Eligibility
To save you time before applying for your British Airways American Express Premium Plus Card, it's worth making sure you can say yes to all the following:
- I am aged 18 or over
- I have a current UK bank or building society account
- I have a permanent UK home address
- I have no history of bad debt
- And if self–employed, I have been working for more than one year
- I understand I will not be eligible for any Welcome Bonus award if I hold or have held any personal British Airways American Express Cards in the past 24 months.
If you've said yes to all of these, then step this way. Your application could take less than 10 minutes and we may be able to give you a response in less than 60 seconds.
British Airways American Express® Accelerating Business Card
Representative 108.4% APR variable. £250 annual fee. Assumed £1,200 credit limit with 28.5% per annum variable purhase rate. T&Cs apply.
- Welcome bonus: Collect 30,000 bonus Avios when you spend £5,000 in your first three months of Cardmembership1
- Earn rate: Collect 1.5 Avios for every £20,000 spent, up to 3 times a year3
- Rewards: Receive an extra 10,000 Avios for every £20,000 spent, up to 3 times a year3
- On Business: Earn 2 On Business Points for every eligible £1 spent with on qualified British Airways flights purchased with your Card4
Reward your business every calendar year
With a tiered Avios annual bonus, for every £20,000 spent on the Card, you will receive 10,000 bonus Avios, up to 3 times each year. From everyday business expenses to larger supplier items you'll earn Avios in line with your business spend. With three individual tiers, your rewards balance evolves with your business. Your Avios Annual Bonus resets on 1 January each year, helping you to keep track of your rewards and maximise Cardmembers’ bonus earning potential.
Flexible cashflow management
Your Credit Card gives you access up to 56 calendar days without interest payment terms (when you pay your balance in full) or the choice to pay your balance over time with interest5.
Double On Business Points
Exclusively with this Card, earn 2 On Business Points for every £1 spent with British Airways, This is in addition to your everyday Avios and annual bonus. Change, cancel or upgrade your flight booking up to 24 hours before departure of your first flight at no extra charge6.
Eligibility
To save you time before applying for your British Airways American Express® Accelerating Business Card, it's worth making sure you can say yes to all the following:
- The business has a current UK Bank or Building Society account
- You/The business have/has no County Court Judgements for non-payment of debt
- You are aged 18 or over
- You have a permanent UK home address
- You will pay the annual Cardmembership fee of £2507
To access the On Business benefits, your company must not be a travel agency, ticket brokerage firm or consolidator AND your company does not have an existing corporate incentive agreement with British Airways, Iberia or American Airlines. When enrolling into the On Business programme through this British Airways American Express® Accelerating Business Card application progress, there is no requirement for your business to be VAT registered. (Visit ba.com/onbusiness for more information).
A Companion Voucher makes your Avios go further
You can get away for fewer Avios than you might think with a British Airways American Express Companion Voucher.
Use your Companion Voucher to either take someone with you on your Reward Flight for no additional Avios or reduce the amount Avios needed for a Reward Flight by 50% as a solo traveller.
How would you use yours?
10,000 Avios
Enjoy the freedom of a solo getaway to one of 25 exciting European destinations for only 9,250 Avios + £1 return.
20,000 Avios
Escape the everyday with a continental city break for two. Return flights to Europe for two people start at just 18,500 Avios + £2.
50,000 Avios
Jet off with that special someone to see the bright lights of New York or Dubai for just 50,000 Avios + £200 all in.
*Applies to off-peak return Reward Flight Saver flights paid in full with Avios.
Service like no other
Enjoy refund protection on all eligible items you buy using your Card in the UK.
We cover items up to 90 days and will replace or refund items up to a maximum of £200 on the British Airways American Express® Credit Card and £300 on the Premium Plus Card and the Accelerating Business Card, even if the retailer won’t.
Collect up to 90,000 Avios by inviting your friends
You can collect up to 90,000 Avios per calendar year when you refer friends to take out a personal BA Amex Card and as soon as they’re approved. We’ll also welcome them with bonus Avios too. Terms apply. See link for full details.
Pay off your purchases with Instalment Plans
With Plan It from American Express, you can spread the cost of your purchases on your BA Amex Card into instalments over 3, 6 or 12 months. Subject to eligibility. Minimum transaction amount of £100.
Find out more
Collecting Avios
Spending Avios
Buying Avios
Updates to the Companion Voucher
From 1 November 2024, the required spend to qualify for a Companion Voucher will increase from £10,000 (British Airways American Express® Premium Plus Card) or £12,000 (British Airways American Express® Credit Card) to £15,000 within a membership year. This change will be relevant to the Amex Cardmembership year applicable on 1 November 2024 and thereafter.
Until 31 October 2024, existing Cardmembers can obtain their Companion Voucher by reaching the current spend target of £12,000 (Credit Card) or £10,000 (Premium Plus). From 1 November 2024, Cardmembers will need to reach the new £15,000 target, regardless of which Card type is held, before their membership year ends to earn their Companion Voucher. Purchases already made in the current membership year count towards the new target.
- Terms, taxes, fees and carrier charges apply per person. For the Credit Card Terms and Conditions apply. Introductory offers are not available if you currently hold or have held any personal American Express Card product in the past 24 months. Applicants must be UK residents aged 18 years old or over and are subject to approval. For the Credit Card, 5,000 bonus Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £2,000 on goods and services to the Account within three months of Account opening. For the Credit Card, you will be awarded 1 Avios for every £1 spent and charged per transaction. Avios are not earned on Balance Transfers, Cash Withdrawals, American Express Travellers Cheques purchases, Foreign Exchange, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. Written details available on request. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend. New Cardmembers only. Please note this offer is subject to change.
- Terms, taxes, fees and carrier changes apply per person. For the Premium Plus Card Terms and Conditions apply. Introductory offers are not available if you currently hold or have held any personal British Airways American Express Card product in the past 24 months. Applicants must be UK residents aged 18 years old or over and are subject to approval. For the Premium Plus Card, 30,000 bonus Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £6,000 on goods and services to the Account within three months of Account opening. For the Premium Plus Card, you will be awarded 1.5 Avios for every £1 spent and charged per transaction. Avios are not earned on Balance Transfers, Cash Withdrawals, American Express Travellers Cheques purchases, Foreign Exchange, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. Written details available on request. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend. New Cardmembers only. Please note this offer is subject to change.
- Supplementary Cards allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardmember and will be liable for all charges made on the Supplementary Card(s). Additional Cardmembers must be 18 years or over. Written details available on request.
- BA American Express Credit Card Terms and Conditions apply to Avios redemptions. Reward Flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person. Companion Vouchers can only be used when redeeming Avios for a British Airways Reward Flight seat in economy only, paid with Avios. Detailed information on Companion Vouchers can be found here or by calling 0344 493 0750 (calls charged at local rate). Companion Vouchers earned from 1 September 2021 can be used on bookings departing from outside of the UK as well as allowing the Companion Voucher holder to benefit from a 50% reduction in Avios when making a Reward flight booking with their Companion Voucher as a solo traveller. Only vouchers earned after 1 September 2021 can be used on Iberia and Aer Lingus. Visit here for full Companion Voucher Terms and Conditions.
- BA American Express Premium Plus Card Terms and Conditions apply to Avios redemptions. Reward Flights and Companion Voucher bookings are subject to availability and taxes, fees and carrier charges apply per person. Companion Vouchers can only be used when redeeming Avios for a British Airways Reward Flight seat in any cabin, paid with Avios. Detailed information on Companion Vouchers can be found here or by calling 0344 493 0750 (calls charged at local rate). Companion Vouchers earned from 1 September 2021 can be used on bookings departing from outside of the UK, as well as allowing the Companion Voucher holder to benefit from a 50% reduction in Avios when making a Reward Flight booking with their Companion Voucher as a solo traveller. Access to Reward Flight seats within Club World (business class) is available for British Airways Premium Plus Companion Vouchers earned from 1 September 2021. Only vouchers earned after 1 September 2021 can be used on Iberia and Aer Lingus. Visit here for full Companion Voucher Terms and Conditions.
- Reward Flights are available to any Executive Club Members with an Avios balance. In addition to your Avios, the only cash amount required for Reward Flights is to cover the taxes, fees and carrier charges. Reward Flights are subject to availability. To find out more about Reward Flights and/or Reward Flight Saver visit here.
- Terms and Conditions apply to the British Airways American Express credit card insurance. Please see the Insurance Terms and Conditions. Please read this to understand the limits and exclusions that may apply. Terms and Conditions apply to the British Airways American Express Premium Plus Card insurance. Please see the insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.
Applicants must be 18 years old or over. Approval subject to status and Terms and Conditions apply.
The information relating to the financial benefits and services of the Card is the responsibility of American Express Services Europe Limited and British Airways accepts no responsibility for inaccuracies.
British Airways Plc registered in England and Wales company no.1777777 of Waterside, PO Box 365, Harmondsworth, West Drayton, Middlesex UB7 0GB, is an introducer appointed representative, for insurance mediation activities only, of American Express Services Europe Limited.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
1. The 30,000 bonus Avios will be awarded once you have been approved and you have spent and charged a minimum of £5,000 on goods and services to the Account within three months of Account opening. If you have held a British Airways American Express® Accelerating Business Card or any other American Express® Business Card within the last 12 months, you will not be eligible for the Avios Welcome Bonus. Interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit, are not eligible towards the bonus. Your Account must be in good standing at the time of earning the bonus. All introductory offers are subject to change and can be withdrawn at any time. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend.
2. Avios for Accelerating Business Card: You will be awarded 1.5 Avios for every eligible £1 spent and charged per transaction. Avios are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit. Please refer to full benefit terms and conditions associated with your Card Account for all eligibility criteria. Avios are issued and redeemed subject to British Airways Executive Club terms and conditions and will be reflected on your British Airways Executive Club account.
3. Accelerating Business Card Annual Bonus: You will be awarded 10,000 bonus Avios (Avios Annual Bonus) once you have spent and charged £20,000 on purchases on your Card, up to three times each calendar year. Interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit, are not eligible towards the bonus. Your Account must be in good standing at the time of earning the bonus. Please note, it can take up to one month for the bonus Avios to be awarded to your Account once you have met the required spend.
4. On Business Accelerator: Your Company will earn Two (2) On Business Points for every eligible £1 spent on qualifying flights directly with British Airways on the Card. For illustrative purposes, One (1) On Business Point comprises the additional earn for purchasing a qualifying flight with this Card Account (the Amex Accelerator), the other On Business Point is your base On Business Point earn. Please refer to full benefit terms and conditions associated with your Card Account for all benefit eligibility criteria. On Business Points are issued and redeemed subject to On Business Programme terms and conditions.
5. Cashflow for Accelerating Business Card: The maximum amount of time for interest free payment on purchases is 56 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date. If you only make a minimum payment every month, then interest rates will apply, and it will take you longer to pay off your balance.
6. On Business: Find out more about the On Business Programme, the booking process, and terms and conditions on ba.com/onbusiness. Flights can be redeemed on British Airways, Iberia and American Airlines; cabin upgrades can be redeemed on British Airways and Iberia flights. On Business flights and cabin upgrades are subject to applicable taxes, fees, carrier charges and surcharges.
7. Annual Fee: BA Accelerating Business Card: An annual Cardmembership fee of £250 will apply for each membership year. We'll charge it for each year starting on the date of your first statement and then every year after that on the same date.