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Top 10 reasons to get the British Airways American Express (BA Amex)

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Why should you get the British Airways American Express credit card?

Today, in our ‘Top 10 Reasons’ series, I want to look at the top 10 reasons to apply for the free British Airways American Express credit card.

You can see all of our ‘Top 10 Reasons’ series, focusing on UK travel rewards credit cards, by clicking here.

If you want to check your credit record before applying for a new card, click here to get your free Experian Credit Score.

The serious legal stuff about the free BA Amex card:

You can apply here:  British Airways American Express (BA Amex) application form

What does it cost? No annual fee

What is the interest rate?  The representative APR is 22.9% variable.

Top 10 reasons to get the free British Airways American Express card

The top 10 reasons to get the free British Airways Amex card:

1.  You receive 5,000 Avios points for signing up

The free British Airways American Express credit card comes with a very generous sign-up bonus worth 5,000 Avios.

You qualify for the bonus as long as you haven’t had a personal American Express card in your name (supplementary cards do not count, cards from Lloyds or MBNA do not count) in the previous 24 months.

You need to spend £1,000 within three months to receive the bonus.

2.  You receive one Avios for every £1 you spend on the card

There are a few exceptions (cash withdrawals do not earn points) but in reality virtually every £1 you spend will earn another point.

3.  You receive a 2-4-1 voucher for Avios redemptions when you spend £20,000 in a card year

Within 5 days of spending £20,000 in your current card year, a voucher will be deposited in your British Airways Executive Club account allowing you to book two Avios flights for the points of one.

You must pay full taxes and charges on both tickets, however.  Your 2-4-1 flights must be on British Airways, not a partner airline, and must start in the UK.

If you book a one-way flight, it must be a one-way flight FROM the UK.

You must book AND FLY THE OUTBOUND LEG of your 2-4-1 flight within 12 months of receiving the voucher.  The voucher awarded with the British Airways Premium Plus Amex lasts for two years, which is one reason to consider the paid BA Amex card instead of the free version.

4.  The card is free, for ever

Whilst the British Airways Premium Plus Amex has a £195 annual fee (but many excellent benefits), the free BA Amex is just that – free, for as long as you keep it.

5.  There is no minimum income requirement

American Express does not have a minimum income requirement.  As long as you earn more than you spend, you have a good chance of being successful in your application.

6.  You can give your partner a free supplementary card

American Express will let you issue a free supplementary card to someone else, allowing their spending to earn Avios for you and count towards your 2-4-1 voucher.

Obviously you are responsible for paying the charges on the supplementary card, which are added to your monthly statement.

7.  You can earn 500 bonus Avios for giving someone a free supplementary card

On a regular basis, American Express will offer you 500 bonus Avios for issuing someone with a free supplementary card.

It makes sense NOT to order a supplementary card during your initial application.  Wait until Amex offers you an incentive to request one.

8.  American Express runs regular generous cashback offers

Once your account is up and running, you will receive generous cashback deals from Amex.  These are typically on the lines of ‘Get a £10 statement credit when you spend £50 at Tesco’.

It is relatively easy to save over £100 per year with these offers.

9.  American Express has excellent customer service including a UK call centre

10.  American Express has a well-designed app

You can monitor you balance and make a payment via debit card at any time.  The core business of American Express is credit cards, and they know how to run them properly.

Conclusion

The free British Airways American Express card is a decent package for someone looking for a low risk entry into travel rewards.  You get a fairly good bonus of 5,000 Avios for signing up and the earning rate of 1 Avios per £1 spent is good.  If you can get 1p+ per Avios when you redeem, this means you are getting back 1%+ on your spending.

You can sign up for the free British Airways American Express card, or find out more information, on the official website here.

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history. By recommending credit cards on this site, I am – technically – acting as a credit broker. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

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