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British Airways Visa Signature® Card

Avios (British Airways / Aer Lingus / Iberia)

Welcome bonus

75,000 Avios

≈ $923 at 1.23¢ per Avios

after $5,000 spend in 3 months

Annual fee$95

Value per point~1.23¢median of 6 published valuations

First-year value*$1,228easy credits counted · $1,228 with none

Year 2+ value*$337each year after the first, after the fee · $337 with no credits

$95 fee vs $600 in stated credits a yearFace value. You’d use $0 by our default → yearly cost after year 1 $95 ↓

Worth ~1.23¢/Avios, median of 6 published valuations

AwardWallet 2.55¢ (British Airways Club)
The Points Guy 1.4¢ (Avios)
Upgraded Points 1.25¢ (British Airways Avios (Aer Lingus Avios also 1.25¢))
NerdWallet 1.2¢ (British Airways Avios)
One Mile at a Time 1.2¢ (British Airways Avios (Aer Lingus Avios also 1.2¢))
Frequent Miler (RRV) 1.1¢ (British Airways Avios)

Range 1.1–2.55¢. No published value from Bankrate. Checked 2026-10-23. How we use these

See the offer on Chase’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Chase card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.23¢ per point (median of published valuations) — see method.

Credits & perks

Annual fee$95

Stated credits a year$600face value, as Chase states it

Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

Which would you actually use?

Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.

Reward Flight statement credits$600/yrup to 3 per calendar year: $100 per economy/premium-economy booking, $200 per business/first booking · Taxes, fees and carrier charges on transatlantic British Airways Reward Flights booked with Avios and paid with the card.niche co-brand

Your net cost$95Yearly cost after year 1: annual fee − credits you’ll use ($0)

Year 2+ value*$337each year after the first, after the annual fee, with your ticks

First-year value*$1,228bonus + earning + credits − fee

Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

companion Travel Together Ticket after $30,000 spend in a calendar year

Source: Chase card page and benefit terms · checked 2026-10-23.

How it earns

3x British Airways / Aer Lingus / Iberia only Flights (booked with the airline)
2x Hotels (booked with the hotel)
1x everything else

3x applies to British Airways, Aer Lingus and Iberia flight purchases.

Annual bonus points

2,500 bonus Avios each account anniversary year

Offer details

75,000 Avios after $5,000 in 3 months

Annual fee $95. Credits from the issuer page are in Credits & perks above.

Questions about the British Airways Visa Signature

What is the British Airways Visa Signature welcome bonus?

75,000 Avios after $5,000 in 3 months, about $923 at the median published point value, per Chase’s card page checked October 23, 2026.

What is the British Airways Visa Signature annual fee?

$95 a year, as listed on Chase’s page on October 23, 2026.

How much are its Avios worth?

About 1.23¢ each: the median of 6 published valuations (range 1.1–2.55¢), checked October 23, 2026.

What credits does the British Airways Visa Signature include?

$600 a year in stated credits at face value, across 1 credit. By our default (only easy, flexible credits) you’d use $0, so the yearly cost after year 1 is $95.

Is the British Airways Visa Signature worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $1,228 in the first year and $337 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

Welcome bonus: 75,000 Avios × 1.23¢	$923
A year of earning: 32,600 Avios × 1.23¢	$401
Annual bonus points (2,500) from year 2	$31
Annual fee	−$95
First year / Year 2+	$1,228 / $337

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.