British Airways Visa Signature
Chase$95 a yearVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
90,000Avios
after $5,000 in purchases in the first 3 months
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus90,000 points at 1.1¢ | $990 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$2 |
| Credits you'll likely useof $840 face value | +$224 |
| Annual fee | −$95 |
| Meeting the $5,000 minimumearns 1.1% here vs 2% on Double Cash | −$45 |
| First year | $1,076 |
| Each year after | +$261 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Hotel accommodations booked directly with the hotel | 2.2% |
| 3X | British Airways, Iberia, Aer Lingus, and LEVEL purchases | 3.3% |
| 1X | Everything else | 1.1% |
Noteworthy perks
- Avios Booking Fees$600 a year
- Instacart$120 a year
Personal card · Earns British Airways Club
Benefits
Credits & Perks (3)
- Avios Booking Fees: $600 (Annual Calendar Year)
Up to $200 per Avios booking, up to 3 Avios bookings per calendar year for Economy/Premium Economy ($100 credit) or Business/First Class ($200 credit)
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on Instacart orders with active Instacart+ membership (activate by 12/31/27; coupons end 12/31/27)
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Protections (6)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for death/dismemberment on common carrier
- Lost Luggage, up to $3,000, Up to $3,000 per covered traveler for lost/damaged baggage
- Baggage Delay, up to $300, Up to $100 per day for 3 days for essentials when baggage delayed 6+ hours
- Purchase Protection, up to $500, 120 days coverage for damage or theft, up to $500 per claim
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage up to $60,000 for vehicles with MSRP up to $125,000
Other Perks
- Travel Together Ticket after $30K spend per calendar year (or 50% off Avios price for solo booking)
- 10% off British Airways flights originating in the US when booked through ba.com/Chase10
- Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
- Complimentary DoorDash DashPass for 12 months (activate by 12/31/27)
- Avios never expire with at least one collection/spend/purchase/share every 36 months
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to British AirwaysOct 8, 2026
- changed from 75K Avios after $5K spend in the first 3 months to 90K Avios after $5K spend in the first 3 monthsSep 3, 2026
- changed from null to 5000Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from Avios to British Airways ClubJul 26, 2026