Earn Avios on all your spending
9,000 bonus Avios when you spend £1,000 in the first three months
American Express cardholder services and benefits
British Airways credit card
Everything you need to know about this credit card, including how to apply, our review and the small print.
Available to those who are:
- Aged 18 or over
- Have a permanent UK home address
- Have a current UK bank or building society account
- Have no CCJ's for non-payment of debt
- Please check the full criteria before applying.
| Representative Example: 19.9% p.a. variable on purchases. This is equivalent to 19.9% APR representative variable based on a credit limit of £1,200. American Express Services Europe Limited, Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 19.9% p.a. variable | Not offered | 1 Avios for each £1 spent 9,000 bonus Avios available |
Online Account Management Fraud Guarantee Active Fraud Monitoring Purchase Protection Insurance Refund Protection Insurance |
Further details and the small print
A closer look at the rates, rewards, services and our review of this credit card.
What we think
Our review and how this deal compares
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - Have a permanent UK home address - Have a current UK bank or building society account - Have no CCJ's for non-payment of debt - If self-employed, you have been trading for over 1 year - Have a household income of over £30,000 - your income plus your partner's income |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 19.9% APR | Based on a £1,200 credit limit. |
| Introductory Purchases | - | Not offered |
| Introductory Balance Transfers | - | Not offered |
| Standard Purchases | 19.9% p.a. variable | - |
| Standard Balance Transfers | - | Not offered |
| Standard Cash Advances | 27.9% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | None | - |
| Cash Advance fee | 3% (£3 min) | - |
| Foreign fee | 2.99% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | A dormancy fee of £20 per year will be charged if the aggregate amount of all transactions, other than cash advances and balance transfers, that has taken place during the preceding 12 months is £0. |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £700 min | Maximum credit card limit is subject to status. |
| Interest free period | Up to 56 days | For purchases if you pay your balance in full and on time. There is no interest free period on balance transfers or cash advances. |
| Minimum monthly payment | 2% (£25 min) | The minimum repayment amount will be the greater of: - £25 (or the total amount owing if less); and - any interest, default fees, repayment protection insurance, overdue amounts and 1/12th of any annual fees or the full monthly fee (if applicable to the product you hold) plus 2% of the remaining balance. |
| Allocation of payments | Payments will be applied towards balances bearing the highest interest rate first. Payments will be applied to amounts that have appeared on your statement, and then secondly to amounts that have not yet appeared on your statement. | - |
Rewards and discounts
| Detail | |
|---|---|
| 1 Avios for each £1 spent | BA Miles remain valid as long as you continue to earn or redeem them. Expiry of BA Miles will only occur if you do not earn or redeem any BA Miles for 36 consecutive months (3 years) - after which all BA Miles accrued to that point will expire. |
| 9,000 bonus Avios available | Get 9,000 bonus BA Miles when you spend £1,000 within your first 3 months. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
You can log in to the American Express web site and manage the credit card account online. > You can monitor cash back earnings online. > Optional paperless statements > SMS & e-mail alerts: Register for "Card Alerts" and choose to receive updates by SMS text message to your mobile phone or e-mail relating to your American Express Platinum Cashback credit card account. Notification information includes: > Account balance > Confirmation of payments > Advance notification of nearing your credit limit > Advance notification of due payments > Notification of missed payments. |
| Fraud Guarantee | |
If you're a victim of fraud and have taken reasonable care with your account and PIN, you won't be held responsible for any fraudulent charges incurred. |
| Fraud Monitoring | |
Secure System American Express will monitor your account for any suspicious transactions and notify you as soon as possible to check if it's fraudulent or not. |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
- |
| OneTouch Payments | |
- |
| Purchase Protection Insurance | |
Theft or accidental damage for 90 days after the purchase date. > Up to £20,000 in any 365 day period. > Eligible items up to a maximum of £2,500 > £50 excess applies. > Please note exclusions and limitations apply. |
| Purchase Delivery Insurance | |
- |
| Purchase In-Transit Insurance | |
As part of the 'Purchase Protection Insurance' policy (items must not be left unattended). |
| Refund Protection Insurance | |
Failure to obtain a refund of an eligible item from the retailer within 90 days of purchase. > Up to £750 in any 365 day period. > Up to £200 per item. > Brand new items only, costing between £25 and £200. > Please note exclusions and limitations apply. |
| Comprehensive Travel Insurance | |
- |
| Travel Accident Insurance | |
Up to £75,000 Travel accident insurance covers you against serious injury and death when you buy your travel tickets with this card. It is not an adequate substitute for a comprehensive travel insurance policy. |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
Global Assist 24 hour emergency helpline while traveling. Services include help with lost luggage, finding a lawyer or an English-speaking doctor, interpretation, prescription replacement and urgent message relay back home. |
| Emergency Card Replacement | |
Emergency card replacement almost anywhere in the world. American Express can additionally help with hotel check-in and emergency cash advance. |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.
Please read our full disclaimer for other important information that relates to the information and service we provide and your use of this site.
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