Navigating the world of travel rewards cards can be complex, with the British Airways American Express Card standing out as a prominent contender. This review delves into the card’s benefits and downsides, aiding your decision-making process.
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Pros of the British Airways American Express Card
Avios Rewards Scheme
One significant benefit is the Avios rewards scheme, where cardholders can earn Avios for every pound spent. Avios can be redeemed for flights, upgrades, hotel stays, and more.
Companion Voucher
The Companion Voucher is a coveted benefit of the British Airways American Express Card. After reaching a certain spending threshold within a year, cardholders earn a voucher allowing a companion to travel with them on a reward flight for free (taxes, fees, and carrier charges still apply).
Cons of the British Airways American Express Card
The British Airways American Express Card is not without its drawbacks.
Check your pre-approval status for credit cards and loans without any impact on your credit score.
High APR
As with many credit cards, a high APR is charged on balances that aren’t paid in full each month, which can quickly outweigh the benefits of rewards if you tend to carry a balance.
Limited Appeal for Non-Frequent Flyers
If you’re not a frequent flyer with British Airways, the card’s benefits might not hold much appeal. The rewards are primarily geared towards travel, specifically with British Airways, making the card less valuable for those who don’t regularly fly with the airline.
Maximizing the Benefits of Your British Airways American Express Card
For those considering the British Airways American Express Card, or existing cardholders, here are a few tips to maximize benefits:
Pay Your Balance in Full Each Month
Avoid the high APR by paying off your balance in full each month, ensuring you truly benefit from the rewards scheme.
Use Your Card for Daily Purchases
Maximize Avios collection by using your card for everyday purchases. Remember, the more you spend, the more Avios you earn.
The British Airways American Express Card can be a lucrative option for frequent British Airways flyers, with the opportunity to earn Avios and receive a Companion Voucher. However, it’s important to consider the high APR and the card’s limited appeal for non-frequent flyers.
Carefully consider your individual financial situation and travel habits before choosing a card.
