British Airways Visa Signature Card

Chase · Visa · personal · Avios (British Airways)

Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.

$95

annual fee · $95, not waived the first year. No additional fee to add authorized users (per One Mile at a Time; Chase's page does not state the AU fee).

foreign txn fee

$204

credits/yr realistic ($640 face)

$1,125

sign-up bonus ≈ 75000 points after $5,000/3mo

Earning

Airfare (booked direct) Chase wording: '3 Avios points for each $1 spent on flight purchases made directly with British Airways, Aer Lingus, Iberia and LEVEL'. Applies only to those four IAG airlines, not to other airlines; none of them is a taxonomy merchant key so merchant is null. requires Flight purchases made directly with British Airways, Aer Lingus, Iberia or LEVEL	3x	4.5%
Hotels (booked direct) 2 Avios per $1 on hotel accommodations when purchased directly with the hotel.	2x	3%
Everything else 1 Avios per $1 on all other purchases.	1x	1.5%

Right column: value per $ at travel valuation (1.5¢/pt).

Credits

$600 Reward flight statement credit /year · hard to use
Statement credit toward the taxes, fees and carrier surcharges on Avios reward flights paid with the card: $100 per Economy or Premium Economy booking, $200 per Business or First booking, up to 3 bookings ($600 max) per calendar year. Only for transatlantic itineraries originating in the U.S. flown solely on British Airways-operated aircraft, booked from the primary cardmember's account; Cash + Avios bookings are ineligible. One credit per booking regardless of passenger count; posts within about 45 days.
$10 DoorDash non-restaurant credit /quarter · medium to use · enrollment required
Up to $10 off quarterly on non-restaurant DoorDash orders (grocery, convenience, retail) through 12/31/2027. Requires activating the complimentary 12-month DashPass membership by 12/31/2027; DashPass auto-renews at the then-current rate after the free year.

Benefits

Travel Together Ticket after $30,000 annual spend — Spend $30,000 in purchases in a calendar year to receive a Travel Together Ticket (issued 4-6 weeks after the threshold, valid 2 years). Redeem it to add a companion to an Avios reward flight for just taxes and fees, or take 50% off the Avios price when travelling solo; usable on round-trip British Airways, Iberia or Aer Lingus redemptions in any cabin.
10% off British Airways flights from the U.S. — 10% off eligible paid British Airways-operated flights originating in the U.S. when booked through ba.com/Chase10 with promo code BACHASE10; the cardmember must travel, code-share flights excluded.
2,500 bonus Avios each account anniversary year — Chase's product page states 'You will receive 2,500 bonus Avios points each account anniversary year' (posts 6-8 weeks after the anniversary). One Mile at a Time notes renewal bonuses of 2,500-5,000 Avios have been offered in past years but not consistently, so treat as not guaranteed.
12 months of complimentary DashPass — 12 months of DashPass (DoorDash and Caviar) when activated by 12/31/2027.
$10 quarterly DoorDash non-restaurant credit — Through 12/31/2027 with active DashPass.
No foreign transaction fees
Purchase protection — 120 days, up to $500 per item.
Extended warranty protection — Extends eligible U.S. manufacturer warranties of three years or less by one additional year, up to four years total.
Lost luggage reimbursement — Up to $3,000 per covered traveler ($2,000 per bag / $10,000 per trip for NY residents).
Baggage delay insurance — Up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.
Auto rental collision damage waiver (secondary) — Secondary coverage in the U.S. (primary outside the U.S.) up to $60,000 for collision and theft on rentals of up to 31 days (per The Points Guy / HelloSafe; not listed on Chase's product page).
Travel accident insurance — Up to $500,000 common carrier / $100,000 24-hour coverage (per HelloSafe; not listed on Chase's product page).
Roadside dispatch — Pay-per-use roadside dispatch; service fees are charged to the cardholder.

Protections

purchase protection	120 days, up to $500 per item ($50,000 per account per HelloSafe)
extended warranty	+1 year on warranties of 3 years or less (up to 4 years total)
trip cancellation	Not included
trip delay	Not included
baggage delay	Up to $100/day for 3 days after 6 hours
lost luggage	Up to $3,000 per covered traveler ($2,000 per bag / $10,000 per trip for NY residents)
rental car	secondary
roadside	Roadside dispatch (pay-per-use)
travel accident	Up to $500,000 common carrier / $100,000 24-hour (per HelloSafe)

Notes

Chase-issued British Airways co-brand earning Avios (British Airways Club). Sister cards Aer Lingus Visa Signature and Iberia Visa Signature share the same $95 fee, 3x/2x/1x structure and 75k offer but have different spend perks. Terms on Chase's page in 2026-09: 3x on flight purchases made directly with BA, Aer Lingus, Iberia and LEVEL; 2x hotels booked direct; 1x elsewhere; up to $600/yr in reward-flight statement credits (3 bookings, transatlantic BA-operated from the U.S., Avios-only bookings); 10% off paid BA flights from the U.S. via ba.com/Chase10; Travel Together Ticket at $30,000 calendar-year spend (valid 2 years); 12 months DashPass plus $10 quarterly non-restaurant DoorDash credit through 12/31/2027; 2,500 anniversary Avios per Chase's page. No dated 2026 benefit changes found; welcome offer cycled 100k (2025-09) -> 90k (2026-01) -> 75k (2026-03 onward). Chase's page lists only purchase protection, extended warranty, lost luggage and baggage delay; there is NO trip cancellation/interruption or trip delay coverage (HelloSafe). Rental CDW secondary up to $60,000 and travel accident $500,000 per HelloSafe/TPG. Avios expire only after 36 months of no activity. Chase 5/24 rule applies.

Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11