British Airways Signature

Earn 75,000 bonus Avios as a one-time welcome offer. Spend $5,000 on purchases within the first 3 months of account opening to qualify. Avios can be used to book reward flights on British Airways and partner airlines.

Earn 3 Avios per $1 on purchases made directly with British Airways, Iberia, Aer Lingus, or LEVEL — including flights, seat upgrades, and ancillary fees. Booking through a third-party travel agency may not earn the 3X rate, so pay the airline directly.

Earn 2 Avios per $1 on hotel stays when you book directly with the hotel — through the hotel's own website, app, or by calling the property. Reservations made through third-party travel sites like Expedia or Hotels.com do not qualify for the bonus rate.

Every purchase that doesn't fall into a higher bonus category earns 1 Avios per $1 spent. There's no earning cap at this base rate, so all your everyday spending continues to build toward your next reward flight.

Receive up to $600 back per calendar year as a statement credit on taxes, fees, and carrier charges when booking British Airways reward flights. Pay those charges with your card and the credit is applied automatically. The $600 limit resets each January 1.

Get a complimentary 3-month Instacart+ membership, which includes free delivery on eligible orders and lower service fees. Activate through the Instacart app or website using your British Airways Visa. You must activate by December 31, 2027.

Receive $10 in Instacart credit each month — up to $120 per year — when you pay for Instacart orders with your card. Credits do not carry over, so any unused balance at month-end is forfeited. Available through December 31, 2027.

Get 10% off British Airways flights that originate in the United States. Book through the dedicated website included in your card welcome materials to apply the discount. This offer does not apply to flights departing from outside the US.

Earn a Travel Together Ticket each calendar year you spend $30,000 on the card. Use it to bring a companion on the same British Airways Avios reward flight, or take 50% off the Avios price on a solo reward booking. The ticket is valid for two years from the date it is issued.

Covers the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen on a covered trip. Pay for your travel with the card to activate coverage. Each covered traveler on the trip can get up to $3,000.

Covers essential purchases — like toiletries and clothing — when your baggage is delayed more than 6 hours. Use your card to pay for the trip, then file a claim for reimbursement. You can get up to $100 per day for a maximum of 3 days.

Protects new purchases against damage or theft for 120 days from the date of purchase. Pay with your card and file a claim if an item is stolen or accidentally damaged. Coverage is limited to $500 per item.

Adds one extra year to a manufacturer's U.S. warranty when you buy the item with your card. Only warranties of three years or less are eligible, and coverage extends up to four years from the purchase date. Keep your original receipt and warranty documentation to file a claim.

Pay no foreign transaction fees when using your card for purchases made outside the United States. This applies automatically every time you use the card abroad — no enrollment needed.