American Express UK British Airways Credit Card
Representative APR
29.7% APR (variable)
Purchases
29.7% (variable) p.a.
Balance Transfers
29.7% (variable) p.a. (3% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 29.7% (variable) p.a., most accepted customers get a rate of 29.7% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The American Express UK British Airways credit card offers £0 annual fees and a welcome bonus for new cardmembers. It features an Avios rewards program and includes a referral scheme where you can earn 4,000 Avios points for each successful referral.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | American Express UK |
|---|---|
| Network | American Express |
| Primary Category | Rewards |
| Loyalty Scheme | Avios |
| Incentive on opening | Earn 5,000 avios points when you spend £2K within 3 months of account opening. |
| Cashback/Rewards (if applicable) | Earn 1 Avios for every £1 spent. Get a Companion Voucher when you spend £12,000 each membership year on the Card or, if travelling solo, a 50% discount on the Avios price you pay for your flight. |
| Account Fee | £0 |
| Purchases | 29.7% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 29.7% (variable) p.a. (3% fee) |
| Balance Transfer Fee | 0.00% |
| Cash Advances | 37% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 700.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 12 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 2 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.99% |
| Foreign Usage World | 2.99% |
Application Requirements
| Availability | Available to new customers. No eligibility for Welcome Bonus awards if you hold or have held any personal American Express Cards in the past 24 months. |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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