British Airways American Express® Cards

Wherever it is you want to go, the British Airways American Express Cards bring you closer

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British Airways American Express® Credit Card

Representative 25.7% APR variable. No annual fee. Assumed £1,200 credit limit with 25.7% per annum variable purchase rate. T&Cs apply.

  • Welcome bonus: Get 5,000 bonus Avios when you spend £1,000 in the first 3 months of Cardmembership1
  • 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

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 Reward Flight. Taxes, fees and carrier charges apply per person4. 

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 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) 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.
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British Airways American Express® Premium Plus Card

Representative 103.1% APR variable. £250 annual fee. Assumed £1,200 credit limit with 25.7% per annum variable purchase rate. T&Cs apply.

  • Welcome bonus: Get 25,000 bonus Avios when you spend £3,000 in the first 3 months of Cardmembership1
  • 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
  • Go further: Collect 3 Avios for every £1 spent on British Airways flights and holidays 2

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 flight. British Airways American Express® Premium Plus Cardmembers will have access to additional Reward Flight seats within business (Club World) when booking with a Companion Voucher, subject to availability. Taxes, fees and carrier charges apply per person5

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 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.
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British Airways American Express® Accelerating Business Card

Representative 98.7% APR variable. £250 annual fee. Assumed £1,200 credit limit with 23.3% per annum variable purchase 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 £1 spent2
  • 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).
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Interest rates change in line with the Bank of England base rate

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.

Friends earn benefits

We'll thank you with bonus Avios when you introduce friends and family members to the BA Amex Credit Card or the BA Amex Premium Plus Card as soon as they're approved. We'll also welcome them with an Avios bonus, too. T&C's apply.
Refer a friend

How far can Avios take you?

Use our calculator to see how your Avios could stack up when combining your everyday spending with our welcome bonus
Use our Avios calculator

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Collecting Avios

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Spending Avios

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Purchasing Avios

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Terms and Conditions

  1. 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 £1,000 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.
  2. 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, 25,000 bonus Avios will be awarded onto your Account once you have been approved and you have spent and charged a minimum of £3,000 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. 
  3. 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.
  4. 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 0844 493 0750 (calls cost 7p pm plus your telephone company access charge). 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. Visit here for full Companion Voucher Terms and Conditions.
  5. 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 0844 493 0750 (calls cost 7ppm plus your telephone company access charge). 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. Visit here for full Companion Voucher Terms and Conditions. 
  6. 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.
  7. 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 Insurance 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: a £250 annual Card fee will automatically be charged to your account on or after the anniversary of your account opening date.'