British Airways American Express® Credit Card

Key Benefits of This Avios Credit Card

✅ No Annual Fee

Collect Avios on your everyday spending without paying a yearly fee.

🎁 Welcome Bonus

Get 5,000 bonus Avios when you spend £2,000 in the first 3 months.
(Terms apply)

✈️ Earn Avios as You Spend

  • 1 Avios per £1 on purchases
  • Up to 90,000 bonus Avios each year by referring friends
  • 1,000 Avios bonus when you add your first supplementary cardholder

🎟 Companion Voucher for Travel

Spend £15,000 in a year and earn a Companion Voucher, which gives you:

  • A free ticket for someone flying with you in the same cabin
  • Or 50% off the Avios price when flying solo

(Valid on British Airways, Iberia, or Aer Lingus economy reward flights. Taxes and fees still apply. Subject to availability.)

🧾 Split Payments with Plan It™

Turn purchases over £100 into monthly instalments with:

  • A fixed monthly fee (no interest)
  • No credit checks or new applications
  • You still earn Avios on these purchases

⚠️ Things to Watch Out For

  • High spend required (£15,000/year) to unlock the Companion Voucher
  • Reward flights are subject to availability and may still involve hefty fees and taxes
  • No Avios boost on specific categories like travel or groceries — the earning rate is flat
  • You’ll need to book through specific airlines to use rewards efficiently
  • The welcome bonus is only valid if you haven’t had an Amex card in the past 24 months (check eligibility)