British Airways American Express Credit card is a great choice for the travelers as well as general users. A number of advantages to improve the experience of the user has been provided for this card and that is why it is convenient and rewarding at the same time. This card is ideal for people who value the little things in life including the little extras that come with a Credit Card.
Going through the features and advantages of this card, it can be seen that this card is designed to provide the users with both the utility and status. As a commuter, or anyone who wants to get the most out of their spending, this card is a good argument to be added to your portfolio.
Key information about the credit card
How does the annual fee work?
The British Airways American Express Credit Card does not come with an annual fee which is a major advantage. This is very helpful especially for those who want to get the perks of the website without having to spend more money. This not only helps in making the card more affordable but also lets the user concentrate on the usage of the rewards and facilities that are being offered without any burden of having to pay an annual fee.
How is the credit limit determined?
The credit limit which is offered for the British Airways American Express Credit Card is arrived at based on certain factors to suit the credit worthiness of the applicant. In this process the American Express checks the credit history of the applicant, income and other factors that can indicate the financial standing of the applicant to determine the credit limit.
Advantages of the credit card
- Avios rewards: You will get one Avios point for every pound that you spend on items. This rewards structure enables the cardholders to earn points easily, hence converting their daily spending into travel rewards.
- Welcome offer: New cardholders will be able to get 5,000 Avios when they spend £2,000 in the first three months of being a cardmember. This particular welcome offer is rather munificent and thereby helps in building the Avios balance.
- Supplementary cards: Get an additional card on your account and you shall receive an extra 1000 Avios. This feature enables the families and households to get the most out of their Avios points balance.
- Plan It™: Pay for all purchases that are above £100 in a monthly installment basis at a fixed fee thereby making it easier to cater for large expenses.
Standout advantage
However, the crown goes to the Companion Voucher that is offered by the British Airways American Express Credit Card. This advantage enables the cardholder to either get a companion to travel with them in the same flight and cabin class for free (excluding taxes, fees, and carrier charges) or get a 50% discount on the Avios pricing if they are flying alone.
Disadvantages
- High APR: Calculating the approximate annual percentage rate of this card, we can find out that it is 31. No annual fee, having a balance on this card is comparatively costly owing to the 0% variable interest rate.
- Eligibility requirements: However, there are some limitations of this card; first, one is required to have a good credit history and the second one is that the applicant must be a UK resident.
- Limited Avios redemption options: Despite being able to redeem Avios for flights, the redemptions are quite limited compared to other reward programs especially for other non-travel related goods.
A standout disadvantage
The only major disadvantage of the British Airways American Express Credit Card is that it has one of the highest APRs of 31. 0% variable. This high-interest rate is quite unfavorable to the cardholders who continue to use their credit cards and make purchases without settling the full amount at the end of each month as it attracts interest charges.
Who can apply for this card?
In order to get the British Airways American Express Credit Card, there are some basic requirements that one has to fulfill. The basic requirement include; one has to be at least 18 years of age and must be a holder of a current account in any bank or building society in the United Kingdom.
Also, a valid UK permanent address is necessary as well as a valid debit/credit card details. The following are the requirements to get this card; Applicants should have no history of bad debt to be given this card
How to apply for the British Airways American Express Credit Card
For the website
To apply for the British Airways American Express Credit Card through the website, the applicant has to first access the American Express website. After being redirected, go to the credit card options and choose the British Airways American Express Credit Card.
After that, the applicants will be required to complete an application form, which is to be submitted online; this entails providing the applicant’s personal data, including their name, address, and financial information. The information regarding the application process is presented on the website; it is easy to use, and the guidelines are clear.
Through the app
One can also apply for the cards via the American Express app, this is convenient for the mobile phone users. First, you have to download the American Express application from your respective app store and then install it to your smartphone or tablet. Once you have the app, sign in or sign up for an account if you do not have one yet.
Next, go to the credit card application and choose the British Airways American Express Credit Card. The app will lead you through the application process and request the same information as the website application. The app also gives the user a safe and easy method of uploading any documents that are required and confirming his or her identity.
At the branch
For the traditional way of application, one can travel to any of the British Airways American Express Credit Card centers to apply. Application can be made at an American Express branch or at any affiliate center that has American Express personnel to facilitate the application.
This conventional process gives the applicant a chance to ask questions and get a direct response and thus guarantee that they understood and completed all the aspects of the application. It is up to the representatives to assist in completing the application form, gather all the required papers, and submit the application for you.
