British Airways Visa Signature® Card Review (2019.8 Update: Up to 100k Offer)

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British Airways Visa Signature® Card Review

Application Link

Benefits

  1. 50k/75k/100k offer: Earn 50,000 bonus BA Avios after you spend $3,000 on purchases with the first 3 months of account opening. Plus earn an additional 25,000 bonus Avios after you spend $10,000 on purchases, or 50,000 bonus Avios after you spend a total of $20,000 on purchases within your first year of account opening.
  2. We value BA miles at 1.2 cents (Airline Miles Value), so the 100k sign-up bonus is worth about $1,200. BA Avios, IB Avios and EI Avios can be transferred to each other at a 1:1 ratio (both accounts need to be at least 90 days old). See A Beginner’s Guide to BA Miles to check for details about BA Miles.
  3. Earn 3x miles on British Airways purchases. All other purchases earn 1 mile per dollar spent.
  4. No foreign transaction fee.

Disadvantage

  1. Annual fee $95, NOT waived first year.

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
  2. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
  4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

BA miles used to be a really good program for short-haul AA tickets in U.S.; however, after the BA devaluation and also AA’s devaluation, it is not as good as before. The sign-up bonus on this card is quite decent. BA Avios, IB Avios and EI Avios can be transferred to each other at a 1:1 ratio, so Chase IB and Chase EI are good cards to earn Avios quickly together with Chase BA. These mileage programs each has its own advantage. The earning structure is not attractive at all, so if you are not flying BA frequently then it is not a good card to keep for long.

Related Credit Cards

Recommended Downgrade Options

  • There’s a hidden no fee Chase BA card that you can downgrade to.

After Applying

  • Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be hand in to the branch or faxed.

Historical Offers Chart

Note: Sometimes there are 100k offer or 75k offer on this card. But the spending requirements after the first 50k are huge, so we don’t treat them as sign-up bonus, we treat them as spending bonus instead.

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