Does the British Airways Visa Signature have an annual fee?

Yes — $95 a year, according to the issuer information in our record.

What does the British Airways Visa Signature earn?

3x on British Airways, Aer Lingus, Iberia, LEVEL flights, 2x on Hotels (direct), and 1x on other purchases.

Is the British Airways Visa Signature worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in British Airways, Aer Lingus, Iberia, LEVEL flights), the first year comes out around $1,114 before credits, including a welcome bonus valued at $975. Year two drops to about $139 before credits.

Do the British Airways Visa Signature's credits cover the annual fee?

The listed credits add up to $40 a year at face value against a $95 fee. Count only the credits you'd use without changing your spending, and remember one needs enrollment.

What credit do I need for the British Airways Visa Signature?

Our record lists "Good" credit as the typical target for the British Airways Visa Signature. Chase makes the final decision based on its own criteria.

British Airways Visa Signature® Card

Chase

$95

Annual Fee

visaGoodairlinepremium5 months ago

Welcome Offer

75,000 pts(≈ $975)Spend $5,000 within 3 months

Check issuer terms ↗

OpenCard analysis

Is the British Airways Visa Signature Card right for you?

The British Airways Visa Signature is a $95-a-year Avios card from Chase. Its strongest everyday earning is 3x on British Airways, Aer Lingus, Iberia, LEVEL flights, with 1x on most other purchases. It needs to earn at least $95 more a year than a no-fee alternative to justify the fee.

Who it's for

✓ People who spend steadily on British Airways, Aer Lingus, Iberia, LEVEL flights, where it earns 3x
✓ Regular Avios customers who will redeem with that program

Who should skip it

— People with no loyalty to Avios
— Heavy spenders outside British Airways, Aer Lingus, Iberia, LEVEL flights — everything else earns 1x
— Anyone who won't earn at least $95 a year more than a no-fee card

First-year value estimate

Welcome bonus

$975

Rewards on spending

$234

Annual fee (year 1)

−$95

Year 1, before credits

$1,114

Year two, without the welcome bonus: about $139 before credits ($234 in rewards minus the $95 fee).

Assumptions

$3,000 a year in British Airways, Aer Lingus, Iberia, LEVEL flights (3x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
Rewards valued at 1.3¢ per Avios (OpenCard valuation; cash-out value can be lower).
Welcome bonus: 75,000 Avios at 1.3¢ each (OpenCard valuation) ≈ $975.
Annual fee of $95 in year one and every year after.
Recurring credits are listed separately below and are not counted here.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-29.

How the fee is offset by credits

Even at face value the listed credits ($40 a year) cover 42% of the $95 fee, so rewards and benefits have to make up the rest.

Credit	Terms	Per year (face value)
DoorDash Non-Restaurant Credit	$10 per quarter, enrollment required	$40
Total face value		$40

How it compares

Hawaiian Airlines World Elite Mastercard →

Barclays, higher fee ($99 vs $95); earns 3x on Hawaiian Airlines and Alaska Airlines purchases.

Free Spirit Travel More World Elite Mastercard →

Bank of America, lower fee ($79 vs $95); earns 3x on Spirit Airlines purchases.

Aer Lingus Visa Signature →

Chase, same $95 annual fee; earns 3x on Aer Lingus, British Airways, Iberia, LEVEL flights.

Compare side by side →

Rules and gotchas

The welcome bonus requires $5,000 in 3 months — roughly $1,667 a month. That's more than the $1,000 a month in our illustration, so the bonus assumes about $667 a month of extra spending.
One of the listed credits requires enrollment before it works.

Frequently asked questions

Does the British Airways Visa Signature have an annual fee?: Yes — $95 a year, according to the issuer information in our record.
What does the British Airways Visa Signature earn?: 3x on British Airways, Aer Lingus, Iberia, LEVEL flights, 2x on Hotels (direct), and 1x on other purchases.
Is the British Airways Visa Signature worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in British Airways, Aer Lingus, Iberia, LEVEL flights), the first year comes out around $1,114 before credits, including a welcome bonus valued at $975. Year two drops to about $139 before credits.
Do the British Airways Visa Signature's credits cover the annual fee?: The listed credits add up to $40 a year at face value against a $95 fee. Count only the credits you'd use without changing your spending, and remember one needs enrollment.
What credit do I need for the British Airways Visa Signature?: Our record lists "Good" credit as the typical target for the British Airways Visa Signature. Chase makes the final decision based on its own criteria.

Earning Rates

3×British Airways, Aer Lingus, Iberia, LEVEL flights

2×Hotels (direct)

1×All Other Purchases

Benefits & Credits

$10

DoorDash Non-Restaurant Credit

Up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter (DashMart, 7-Eleven, CVS, Safeway, etc.). Requires active DashPass enrollment. Per Chase cobrand-doordash terms.

/quarter

Insurance

Purchase Protection120 days against damage/theft, $500 per claim

Sources

Last Updated: Apr 29, 2026