Amex British Airways

There are two Amex British Airways credit cards that can be offered to you as a customer in the UK.  If you are interested in finding a new credit card that offers you flight miles, then this may be the card for you.  Our below review will offer key information to the Amex British Airways credit card offer.

The Amex British Airways credit card does not have an introductory rate or duration for balance transfers.  In other words if you are looking for a card that may offer you something for a balance transfer, this is not going to be the card.  You also don’t have an introductory rate for purchases.

The annual percentage rate on purchases is going to be 17.9 percent variable.  This is a little high regarding other cards, but still in the competitive area.  Other cards may offer 15.9 percent, but again the rate is variable and dependent on your risk.  If Amex British Airways sees you as a high risk you may have an even higher variable rate.  So why would this card be good for you?  Well, part of the review is to determine if the card is good.  Let’s look at what they do have to offer.

First, for every pound you spend you will receive one point towards British Airways flights.  Once you have accumulated enough of the points you will be able to get a free flight.  When you first sign up for the Amex British Airways card and use it for that first purchase, you will receive up to 1,000 bonus miles. If you spend 20,000 pounds on your card in the same year, you will earn a second ticket from British Airways for the same flight and cabin.

This card offers free additional cards for family members.  There is also travel accident insurance that covers up to 75,000 pounds.  Lastly this card offers no annual fee.  So to get the Amex British Airways card in which you can earn points, you don’t have to pay a fee.

The interest rate is a little high compared to the rates on the market three years ago, however it is competitive with many of the other cards available on the market at the moment.  You do not earn points for transferring balances, cash advances, or on the interest.  You also don’t earn miles for exceeding your spending limit.  You can earn up to three miles for spending a pound on any British Airways purchase or British Airways Holiday.

To be able to apply for the card you must be 18 years of age.  There are fees for late payments, missed payments, and other various fees related to how you use the card.  The interest rate that is advertised is the lowest rate they currently have, but you could be subject to a higher rate or rejection based on your credit history and scores.  You can be charged up to 27 percent with this card on cash advances.  This card is mainly for earning flight miles for those who will actually use the card a great deal.

Back To Credit Card Reviews