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How do BA American Express 2-4-1 vouchers work?

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How do British Airways American Express 2-4-1 companion vouchers work?

I get quite a few emails each month about various aspects of the British Airways American Express 2-4-1 voucher, both about how to earn it and how to use it.

I wanted to clear up some of the more popular questions in this article. 

The two British Airways American Express credit cards come with a decent sign-up bonus:

British Airways American Express card

British Airways American Express

Read our full review

Other information:

  • Receive a companion voucher, letting you book two flights for the Avios of one, when you spend £20,000 in a card year
  • Annual fee: Free

Representative 22.2% APR variable

See if you qualify for the 5,000 Avios sign-up bonus +

You will receive 5,000 Avios as a sign-up bonus on the free British Airways American Express card if you spend £1,000 within 90 days of signing up.

To qualify for the bonus, you must NOT, currently or in the previous 24 months, have held any other personal American Express card.

You are OK if you had a supplementary card on someone else’s British Airways American Express account.

You are OK if, currently or in the previous 24 months, you have held a Business American Express card.

For clarity, you can still apply for the British Airways American Express card even if you do not qualify for the bonus.  You would still benefit from the companion voucher and the other card benefits.

Learn more about the card benefits +

When you spend £20,000 on the British Airways American Express card, you receive a companion voucher entitling you to book two Avios redemption flights for the miles of one.  This voucher is valid for one year.  (Full taxes and charges need to be paid on both tickets.)

This voucher is the most valuable perk available in the UK airline and hotel credit card sector in my view. It could save you 150,000 or more Avios when used for a long-haul redemption in a premium cabin.

You receive your voucher within a few days of reaching the spending target.  You need to fly the outbound leg of your 2-4-1 flight before the expiry date of the voucher.

If you want more flexibility, the voucher issued with the British Airways Premium Plus American Express card is valid for two years and only requires 10,000 of annual card spend.  The Premium Plus card also has a higher earning rate of 1.5 Avios per £1 on general spend and 3 Avios per £1 on spend with British Airways and BA Holidays.

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

Read our full review

Other information:

  • Receive a companion voucher, letting you book two flights for the Avios of one, when you spend £10,000 in a card year
  • Annual fee: £195

Representative 56.6% APR variable based on a notional £1,200 credit limit and £195 annual fee. Interest rate on purchases 22.2% APR variable.

See if you qualify for the 25,000 Avios sign-up bonus +

You will receive 25,000 Avios as a sign-up bonus on the British Airways American Express Premium Plus card if you spend £3,000 within 90 days of signing up.

To qualify for the bonus, you must not have held the British Airways Premium Plus or the free British Airways American Express cards in the previous 24 months.

You are OK if you had a supplementary card on someone else’s British Airways American Express account.

You are OK if, currently or in the previous 24 months, you have held any other American Express card.

For clarity, you can still apply for the British Airways Premium Plus card even if you do not qualify for the bonus.  You would still benefit from the companion voucher and all of the other card benefits.

Learn more about the card benefits +

When you spend £10,000 on the British Airways American Express Premium Plus card, you receive a companion voucher entitling you to book two Avios redemption flights for the miles of one.  This voucher is valid for two years.  (Full taxes and charges need to be paid on both tickets.)

This voucher is the most valuable perk available in the UK airline and hotel credit card sector in my view. It could save you 150,000 or more Avios when used for a long-haul redemption in a premium cabin.

The voucher with the Premium Plus card is far more powerful than the voucher given with the free British Airways American Express card.  You only need to spend £10,000, instead of £20,000, in a card year to receive it.  More importantly, the Premium Plus voucher is valid for two years.  The voucher on the free British Airways American Express card is only valid for one year.

You receive your voucher within a few days of reaching the spending target.  You need to fly the outbound leg of your 2-4-1 flight before the expiry date of the voucher.

The key thing to know is that, whilst both cards offer a 2-4-1 voucher, it makes no sense to earn the voucher on the free British Airways card.  You should focus on the Premium Plus card instead.  I will explain why later.

What does the 2-4-1 ‘companion voucher’ do for me?

It allows you to book two Avios redemption seats for the points of one.  You can instantly see the savings available here – up to a maximum of 400,000 Avios in the unlikely event you were able to find two First Class return seats to Australia!  Even on the worst possible redemption – an off-peak economy return to Paris – you would save 8,000 Avios.

In reality, most people use them for long haul redemptions in Club World, typically something like New York.  That would save you 100,000 Avios on off-peak dates and 120,000 Avios on peak dates.

Assuming you value an Avios point at 1p, the 2-4-1 voucher would be worth £1,000 to £1,200 for such a trip.  This makes it easily the most valuable perk of ANY UK credit card (I ranked the most valuable credit card perks here).The £195 annual fee for the British Airways Premium Plus card is a small price to pay for this.

British Airways BA American Express Amex credit cards

How do I earn a companion voucher?

You need to spend either £20,000 (on the British Airways American Express card) or £10,000 (on the British Airways Premium Plus American Express card) on qualifying purchases within a card year.  Note this is ‘card year’ and not calendar year.  Your card year runs from the date you are approved.

The voucher will be added to your British Airways Executive Club account within a few days of the spending target being reached.

The voucher on the free credit card is valid for one year.  The voucher on the Premium Plus card is valid for two years.  This is a very important difference as I will explain later, and the key reason why the Premium Plus card is better.

Due to the current coronavirus situation, all existing companion vouchers have been extended by six months.  All new BA American Express companion vouchers issued by 30th September 2020 will also come with an additional six months validity.

You can only earn one voucher per card year irrespective of how much you spend on the card.

What small print do I need to know?

This is where some people come unstuck, because they don’t understand the limitations of the voucher.

It can only be used on British Airways services.  You can’t use it on Qatar Airways, Cathay Pacific etc even though you can book such flights on Avios.

It can’t be used on franchise or codeshare services.  This means, for example, you can’t use it on the Comair-operated but BA-branded flights between Johannesburg and Cape Town.

It CAN be used on ‘open jaw’ flights, where you return from a different airport, even though these can’t be booked online and require a call to British Airways.  The only rule is that the distance between your arrival and departure airport must be shorter than either of the two flights.  London – Johannesburg, Cape Town – London is fine.  London – Moscow and Madrid – London is not.  This article looks at how to book open jaw flights using Avios.

You need to book AND fly the outbound leg before the expiry date of the voucher.  You can fly back at any point.  There are no tricks you can use to extend the validity of the voucher.

If you need to cancel a flight booked using a 2-4-1 voucher, you get the voucher back.  The original expiry date remains the same.

It CAN be used on one-way flights, but only for flights which depart the UK.  You cannot book a one-way flight TO the UK with the voucher.

You can fly a different class on the outbound to the return.  However, both passengers must travel together in the same class.  You cannot fly in First and book your companion in Club World if there is only 1 First reward seat available.

The BA Amex cardholder MUST be one of the two travellers.  There is no way to avoid this.  If you are in a Household Account, the second passenger must be in the household account or on your ‘Friends and Family’ list.

If you have two vouchers to use, they can be used together for the BA Amex cardholder and three other people.  This is what we do for our family of four.  This situation would occur if you triggered your voucher for the next card year before you had used the voucher from the previous year.

You cannot use ‘part pay with Avios’ in conjunction with a 2-4-1 voucher.  Your booking must be ‘100% Avios’.

‘Gold Upgrade For Two’ vouchers (issued when you earn 2,500 tier points) can be used in conjunction with a 2-4-1 voucher.

You cannot change the name of the second traveller after booking.  You would need to cancel the whole booking with no guarantee that the seats would be re-offered for Avios redemption.

You cannot turn an existing Avios redemption into a 2-4-1 redemption with half of the Avios returned to you.

There are no circumstances under which you can ask BA to extend a 241 voucher.  Don’t waste your time.

Both passengers must travel together at all times.

Despite what Amex tells you, you do not need to use the card to pay the taxes when you come to redeem your 2-4-1 voucher.  You must use an American Express card but it does not have to be a BA one.

You will not earn Avios or tier points on your redemption flight in line with standard Avios redemptions.

Your flights will not be cancelled if you cancel your BA Amex card after making your 2-4-1 booking.

How are short-haul flights priced?

Over the last year, British Airways has been experimenting with ‘no taxes’ redemptions on short-haul flights.  Some long-haul flights are also now trialling ‘use more Avios taxes, pay less tax’ on Avios bookings.

For example ……

Historically, a return economy flight to Amsterdam was 8,000 Avios + £35 in taxes and charges, using ‘Reward Flight Saver’ on off-peak dates.

Under the new trial, there is a band of prices.  The lowest cash option is now 17,000 Avios + £1 return.  See:

British Airways how do 241 Amex vouchers work?

However, when using a 2-4-1 companion voucher, you will pay the ORIGINAL price.  There is no flexibility.

In our Amsterdam example, you will told that the price is 8,000 Avios + £70 taxes and charges for two people.  You cannot adjust the ratio of Avios to taxes.  See:

How do British airways American Express 241 companion vouchers work?

This is not a problem, to be honest, because the new £1 taxes pricing options are generally a bad deal and should be avoided.  In our Amsterdam example, you are being asked to use an extra 9,000 Avios to save just £34 in taxes and charges.  This is a terrible deal as you are getting just 0.38p per Avios.

What is the best way to secure the flights I want?

British Airways makes two Club World and four World Traveller / Economy seats available on every flight.  These become available at midnight 355 days before departure.

If you must travel on a specific date, you need to call an open BA call centre (usually the US or Japanese ones, you can Google the numbers) on the stroke of UK midnight (or 1am during British Summer Time).  A call centre agent can always grab seats ahead of someone waiting online, because until you submit your credit card details online, a call centre agent can ‘steal’ your seats from your basket

More reward seats are usually made available closer to the date of travel – a lot more, on some routes – but if you absolutely must travel on a certain day you need to book 355 days out.

This is the first reason why the voucher on the Premium Plus voucher is FAR more valuable than the voucher on the free card.  Because of the two year expiry date, it is easy to use it for a trip 355 days out.  You can’t do this with the voucher on the free card – it only has a one year expiry and the seats you want will already be past the 355 day mark.

For a booking 355 days out, you should look to book your outbound flights on the day they become available.  Do NOT wait until the return flights come up.  You then call British Airways on the day that the return flights becomes available and add it to the booking.  You should not be charged a change fee for this.

There is a new ‘Plan B’ option for booking your return flights …..

There is an alternative way of securing your return flights, assuming you booked the outbound at 355 prior to departure to guarantee you got what you wanted.  If you don’t want to ring the call centre at midnight to book the return you can, if you have enough Avios, book your return seats online using 100% Avios (ie paying for both tickets in full) and then call BA at your convenience to get half of the Avios for the return leg refunded.

There are three problems with this approach.  Firstly, you obviously need to have enough additional Avios to pay for the return flights at full points cost.  Secondly, on high demand routes, you still need to call because the call centre gets priority over website users. Thirdly, and most importantly, BA does not equalise your taxes. The taxes you pay via this method are 2 x one-way flights instead of 1 x return flight.  For North America this makes a substantial difference.  For most of the rest of the world, the difference is modest or nil.  For eg, if a UK-US return in Business has taxes of £600, you’ll find a one-way UK-US and a one-way US-UK have combined taxes of nearer £1000!

How do British Airways 241 companion vouchers work?

Are there any easy ways of reducing the taxes payable?

Not easily, because you must start a 2-4-1 journey in the UK and thus incur Air Passenger Duty.  There are two options though:

Start your trip in Jersey, because Jersey is outside the UK for APD purposes but inside the UK for 2-4-1 purposes.  If you fly Jersey – Gatwick – Heathrow – XXXXX your taxes charge will be a lot lower.  You cannot stopover in London for more than 24 hours or full APD is charged regardless.

Start your trip in Inverness.  There is no Air Passenger Duty out of Inverness as the linked article explains.

There is also no APD out of Newquay.  With British Airways due to start flights from Newquay in July 2020, this gives you a new option.

Can I travel with an infant or book without my baby being born yet?

Yes.  For infant (under 2) bookings you pay 10% of the Avios and 10% of the taxes of an adult passenger.

If your child is not yet born, book for the two adults and then call to add the baby when it has arrived and has a name!  These rules apply to standard Avios redemptions as well.

If I cancel my BA Amex card after earning the voucher, is it lost?

No.  Absolutely not.  Reader experience also shows that you will still get your voucher back if you cancel a 2-4-1 redemption but no longer hold your BA Amex at the time of cancellation.

If I downgrade from the Premium Plus to the free card after earning my voucher, do I retain the 2-year expiry period?

Yes.

Can I change my class of travel if seats open up in a higher class after I’ve booked?

Yes.  Standard Avios change fees apply of £35 per person, plus of course the additional Avios.  You may need to call BA to do this – I’m not sure if ba.com can handle this in conjunction with a 2-4-1.

Why do you recommend the Premium Plus card over the free BA credit card if I want to use a 2-4-1 voucher?

There is no logical reason to earn the voucher on the free card.  This is why:

As I explained above, the two year validity of the Premium Plus voucher is hugely beneficial compared to the one year validity of the voucher on the free card

You earn an extra 0.5 Avios per £1 for your spending on the Premium Plus card (1.5 per £1 vs 1 per £1 on the free card).  This offsets much of the fee.

If you are capable of spending £20,000 on the free card to earn a 2-4-1 voucher, a far better strategy would be for you and your partner to get two Premium Plus cards and spend £10,000 each on those.  You end up with two vouchers per year, each valid for 24 months, instead of one voucher per year valid for 12 months.

Alternatively, instead of spending £20,000 on the free card, you could spend £10,000 on the Premium Plus card and use your next £10,000 of spend to hit sign-up bonuses on other credit cards.

Oh oh.  I have been working towards a 2-4-1 voucher on the free card and now realise my mistake.  Can I upgrade to the Premium Plus card?

Yes, simply call American Express.  Your card year remains the same.  If you have already spent over £10,000 in this card year, your 2-4-1 voucher will be triggered immediately.  You will NOT get a sign-up bonus for upgrading as bonuses are only given if you have not had either BA Amex card in the previous 24 months.

One quick warning …. due to an Amex IT bug, if you downgrade to the free BA Amex after earning your voucher on the Premium Plus card, your online statement will say that you can earn a 2nd voucher (in the same card year) for hitting £20,000 of spending.  This is an IT bug and is not true.   It is not possible to earn a 2nd voucher in the same card year irrespective of whether you upgrade, downgrade or don’t touch your card.

If you have any further questions about the voucher, please ask them in the comments.

You can learn more about how the British Airways American Express 2-4-1 voucher works in this ‘Avios Redemption University’ article.

Our reviews of the two British Airways cards are here:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

(Want to earn more Avios?  Click here to visit our home page for the latest articles on earning and spending your Avios points and click here to see how to earn more Avios from current offers and promotions.)

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.

Comments (110)

  • Mike P says:

    “There are no circumstances under which you can ask BA to extend a 241 voucher. Don’t waste your time.”

    Not correct. If you are a Gold Guest List member, BA will extend the voucher by a minimum of 6 months. I’ve had this proactively offered to me by the GGL team.

  • Mark says:

    Also have to fly from the UK for outbound leg – tried to use it flying from Hong Kong to the UK and thats not allowed.

  • Simon Jones says:

    Can the 2-4-1 voucher be used with household account I.e I need 140k for a trip for the 2 of us , I have 125k my wife (who travelling and is in the household account ) has 15k would that work

    • Jonathan says:

      Yes, that should work as I’ve got a household account and had no problems. You can do a dummy booking right up to the payment page to double check though.

    • Anna says:

      Yes, avios will be drawn from your HHA account total.

    • Rl290 says:

      Yes, you can… and you must! When you book your 2-4-1 Avios flight, BA will take a proportionate amount of Avios from all of the household members’ accounts. (Even if you have enough yourself).

  • Alex W says:

    I’m really struggling to see the value in the 241, unless you need flexible tickets. Using the New York example the cost for Club World is insane. £1,355 in fees plus your 120k Avios.

    BA is selling Premium Economy to NYC for as low as £554 return, which could be upgraded to Club World for 40k Avios, minus 7k Avios you would earn on the cash fare (more if you have status). Total for 2 people – £1,108 + 66,000 Avios. I think there is also a small fee to do the upgrade but even so, it makes the full redemption option look like terrible value, even with a 241.

    • Anna says:

      It really depends on when you want to travel, prices at peak times can be 2 or 3 times higher than at other periods. New York isn’t the best example as fares are generally competitive. I’ve used 2 4 1s for trips to Grand Cayman for the last few years – you are often looking at £2.5k or more for a business class seat, so 150,000 avios plus around £1200 cash (lower “taxes” than to the US) is a great deal.

      • Alex W says:

        Not a bad deal, but personally I wouldn’t call it a great deal. Peak Premium Economy tickets to GCM are about £1100 each plus 50k Avios to upgrade to CW, so you’re getting 2.8p per Avio without a 241, not including the 10k+ each you would earn.

        With the 241 you’re getting 1.4p per Avio. I’d be aiming to get at least 2p with a 241. I’m not saying don’t bother earning a 241, just that I am struggling to justify using mine. I’ll probably end up using it for RFS in Europe. I won’t get £195 value but I’ve offset that against the signup bonus (and cancelled the card).

        • Alex W says:

          Sorry, my maths is wrong. You’re getting 2.5p with the 241. So the upgrade option is slightly better but not by much. 2.8p, or 3.5p if you take off the 10k Avios each you would get back.

          • Anna says:

            Yes I’ve looked at the upgrade option as a possibility but at the moment our travel dates are so limited I just pounce on the CW seats at T-355! Hopefully an option for the future when we have more flexibility.

    • Jonathan says:

      In a similar vein I noticed flights to Dubai yesterday were £1950 in club but only £1630 in first. You need to do all the research and decide on your own personal circumstance which purchasing method is best for you.

    • Michael C says:

      Must admit I’ve found this too, Alex (although I also understand Anna “niche” flights, and that certain circumstances do fit the 2-4-1).

      Now BA have removed the “cheap” charges from Brazil (through their secret charges which are only added on in the last stage of the booking), I might as well pay the cash.

    • Rl290 says:

      Rob’s article on “what is an Avios worth” is definitely worth a read – the value of Avios and 2-4-1 vouchers depends on your personal circumstances, the flights you take and (importantly) whether you would have bought a cash fare anyway.

      I find (for me) going east with the 2-4-1 is far better value than going west. For the last few years, we have used our vouchers to go to Japan during the height of the Sakura (cherry blossom) season in both club world and first. On a couple of occasions, we used the voucher to get us to Beijing in first (there is always availability – it’s a hidden gem), enjoying a few days there before a cheap local hop to Japan etc. This has, for us, been phenomenally good value and has given us travel experiences that we could never usually enjoy.

    • Matt says:

      Alex W the “small fee” you mention is approx £400!! (£100 per person per leg). I was shocked to realise this when I paid cash for premium econ and upgraded to club with avios. I’ve mentioned it a few times but articles from HfP and the like never mention this fact.

      • Alex W says:

        Wow, didn’t realise it was that high I though it was more like £50 each. If only there were no surcharges at all!

  • CherylD says:

    I upgraded flights to Cape Town last week (WT+ to First 😀). and was told no change fee was payable, presumably because of the current situation. I rang BA to make the changes. I didn’t try ba.com this time but it was not possible when I tried to do the same thing last year.

    • Secret Squirrel says:

      Thats interesting as i was always under the impression you can only upgrade one class up so WT+ to CW. Has BA relaxed the rules recently?

      • CherylD says:

        Sorry I probably should have used the word changed rather than upgraded . These were full Avios flights using a 2-4-1 voucher

  • Edd M says:

    I have spent £9k on the free card and my spend year ends in September

    If I get to £10k and then upgrade, how does the annual fee payment work? Is it £195 pro rata to September and my spend year renews then?

    • memesweeper says:

      I would upgrade now. Save any arguments later about whether or not you are entitled to the 2 year companion voucher at £10k spend.

      Your £ 195 fee is charged pretty much immediately in my experience. When the companion voucher is in your BAEC account (you will see it if you try to do an Avios booking) then contact Amex to downgrade or cancel.

  • Bob says:

    Thanks Rob for the article. Can anyone tell me please, if l fly outbound from INV to avoid APD on a 2-4-1 and phone BA for the inbound to GLA, will l get charged any APD on the GLA flight or even worse, get restrospevtively charged on the INV?

  • David H says:

    Clear that if you cancel your redemption after cancelling your BA Amex card that you get the Avios returned. Are there any issues getting the taxes refunded to a different Amex card ? And can this all be done online (inputting new card details) or only via call centre with potential extra fee ?

    • Rhys says:

      Refunds go back to the same card, but Amex will forward them on to you – they send you a letter asking how