The British Airways credit card is the gateway to accelerated Avios collection. Every pound spent — from your morning coffee to your monthly bills — contributes to your Avios balance, which can be redeemed for reward flights, cabin upgrades, hotels, and car hire across the BA and Oneworld alliance network.
Outstanding Benefits
Avios on Every Purchase
Earn Avios points on all eligible spending, with enhanced rates on British Airways flights and selected partner transactions. Points accumulate in your Executive Club account automatically, providing a clear and transparent view of your rewards balance at all times.
Companion Voucher
Qualifying cardholders receive an annual companion voucher that allows a second passenger to fly on a reward booking for just the taxes and surcharges. On long-haul premium routes, this single benefit can deliver savings worth several thousand pounds — more than justifying the card’s annual fee.
No Foreign Transaction Fees
Spend abroad without the typical 2.5-3% surcharge applied by most UK cards. Whether you are shopping in European cities or paying for accommodation overseas, every transaction converts at the Mastercard exchange rate with no additional markup.
Executive Club Integration
Your Avios earnings from the credit card combine seamlessly with points earned from flights, hotel stays, and retail partners. This consolidation accelerates your progress toward reward thresholds and elite tier status within the BA Executive Club, unlocking priority boarding, lounge access, and additional baggage allowances.
Summary of Terms and Fees
| Feature | Details |
|---|---|
| Avios Earning | On all eligible purchases |
| Companion Voucher | Annual (after spend threshold) |
| Annual Fee | Applies (check current terms) |
| Foreign Transaction Fee | 0% |
| Travel Insurance | Included |
| Eligibility | UK resident, 18+, credit score 670+ |
Who Can Apply?
You must be at least 18 years old and a UK resident with a good to excellent credit score — typically 670 or higher. The issuer will assess your income, employment status, and existing credit commitments. A history of responsible credit use significantly improves your chances of approval for this premium product.
How to Apply
Visit the British Airways Executive Club credit card page and review the available card options. Complete the online application with your personal details, financial information, and Executive Club membership number. Decisions are typically delivered promptly, with the card arriving within 7-10 working days of approval.
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