Maximise your Avios, air miles and hotel points

Why should you add an Additional Card to your British Airways American Express® Card Account?

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This article is sponsored by American Express

We rarely cover the benefits of American Express Additional Cards (previously called Supplementary Cards) on Head for Points, which is something I intend to rectify. 

Today I want to look at why holders of the British Airways American Express Credit and British Airways American Express Premium Plus Cards should think about adding Additional Cardmembers. 

Our earlier article in January, which you can find here, looked at American Express® Preferred Rewards Gold and The Platinum Card®.

How many Additional Cards can I add?

Before we look at why it is worth adding an Additional Card, I want to quickly summarise the terms.

Additional Cards are complimentary on both of the British Airways American Express Cards. You are allowed up to 99 Additional Cards although I would be surprised if anyone had ever done that!

The term Additional Card refers to the Supplementary Card programme. Additional Cards are subject to approval and applicants must be over 18*.

You are legally responsible for all charges made by holders of Additional Cards on your Account.

Here is the interest rate information:

British Airways American Express card

British Airways American Express

Bonus: 5,000 Avios

Read our full reviewApply here

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

Bonus: 25,000 Avios

Read our full reviewApply here

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 74.7% APR variable based on an assumed £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.

Why should you add an Additional Cardmember?

Reason 1 – it is easier to hit your sign-up bonus

Assuming you meet the conditions for receiving a bonus, the British Airways American Express Credit Card comes with a sign-up bonus of 5,000 Avios for making £1,000 of qualifying spend within the first three months of Cardmembership.

The British Airways American Express Premium Plus Card comes with a far higher bonus of 25,000 Avios point but requires a higher qualifying spend of £3,000 within the first three months of Cardmembership.

By adding Additional Cardmembers to your Account, it will be easier to hit the qualifying spend required.

Note that, whilst you can add Additional Cardmembers during the application process, I don’t recommend this. As I explain below, you can earn a bonus by waiting until your Account is open and then adding a Additional Cardmember separately.

British Airways American Express card

Reason 2 – it is easier to earn your annual Companion Voucher

The British Airways American Express Cards offer an annual Companion Voucher.

The British Airways American Express Credit Card offers a companion voucher when you make £20,000 of qualifying purchases within your membership year.

The British Airways American Express Premium Plus Card offers a companion voucher when you make just £10,000 of qualifying purchases within your membership year.

There is an extensive Head for Points guide to how Companion Vouchers work which you can find here.

By issuing Additional Cards on your American Express Account, it will make it easier to earn your annual Companion Voucher.

Reason 3 – you can share your Card benefits with other people

Some, but not all, card benefits are automatically shared with your Additional Cardmembers.

This is most important with The Platinum Card which, as we explained in our earlier article here, gives an exceptionally wide range of travel and insurance benefits to the main Platinum Additional Cardmember.

Each Card comes with Amex Experiences, Travel Accident Insurance and Purchase and Refund protection.

Your Additional Cards will also come with access to Amex Offers **.

American Express offers regular ‘opt in’ promotions which will give you a statement credit, additional Avios or percentage discount for making a qualifying purchase at a participating retailer.

You may not know that the holder of an Additional Card can register it as a stand-alone Card on the American Express website.

If my wife logs in to her Amex Online Account, for example, she can see her own Preferred Rewards Gold Card alongside the Additional Card she has on my Platinum Account.

Importantly, the Additional Card receives its own batch of Amex Offers.  This means that, if an offer appears on both your main Card and the Additional , you can both register for it and earn the reward twice.

Not all offers appear on Additional Cards, but many do.

BA Premium Plus American Express card BAPP

Reason 4 – you can earn bonus Avios for issuing your first Additional Card

American Express has a dedicated page on its website which you can use for issuing Additional CardsYou can find it here.

The bonus is only paid on the FIRST Additional Card issued on your Account. The Additional Cardholder must at least 18 years old and issuance is subject to American Express approval. 

You will receive:

  • 1,000 Avios for issuing your first Additional Card on the British Airways American Express Credit Card ***
  • 3,000 Avios for issuing your first Additional Card on the British Airways American Express Premium Plus Card

The link for issuing Additional Cards is here.

For clarity, you WILL receive a bonus for issuing a Additional Card, subject to approval, even if you did not qualify for the sign-up bonus when you originally applied for the Card.

Reason 5 – having an Additional Card does not stop someone receiving a sign-up bonus for the same Card at a later date

Some people mistakenly believe that having an Additional Card will disqualify them from receiving a sign-up bonus on the same Card in the future.

This is not the case. As I mentioned above, the Primary Cardmember is legally liable for the spending on Additional Cards.

If your Additional Cardmember finds the Card benefits and American Express service useful, they can apply for their own Card, subject to approval. You can even receive a bonus for referring them if they are approved.

If you are able to generate enough qualifying spend, there is a lot of merit in both you and your partner having your own Card and generating two Companion Vouchers between you each year.

With the British Airways American Express Credit Card, you receive at least 4,000 **** bonus Avios for each friend you invite, subject to approval. There is an annual cap of 90,000 bonus Avios from referrals.

The person you refer will, subject to meeting the terms and conditions and qualifying spend, receive a sign-up bonus of 6,000 Avios compared to the usual 5,000 Avios.

With the British Airways American Express Premium Plus Card, you receive at least 9,000 bonus Avios* for each friend you invite, subject to approval. There is an annual cap of 90,000 bonus Avios from referrals.

The person you refer will, subject to meeting the terms and conditions and qualifying spend, receive a sign-up bonus of 26,000 Avios compared to the usual 25,000 Avios.

Conclusion

I hope this article has shown you that there are many benefits from issuing a Additional Card on your British Airways American Express Credit or British Airways American Express Premium Plus cards.

The American Express website for requesting an Additional Card is here.

*Information regarding Additional Cards can be found at: The term additional refers to the Supplementary Card programme. More information on this program can be found at: americanexpress.com/uk/benefits/supplementary-cards. Up to 99 Supplementary Cards are complimentary on the British Airways American Express® Premium Plus Card or the British Airways American Express® Card, subject to approval. Supplementary Cards can be requested for anyone aged 18 or over. If approved, you will be responsible for any spending on your Account made by the Supplementary Cardmember.

** Your Supplementary Cardholder will have access to the Amex Offers programme. In order for them to use an Offer, they (Supplementary Cardholder) must save the Offer to their own Card Account. To do this, they can go to the American Express App, find an offer in the Offers tab and click “Save to Card.” For more information please visit: https://www.americanexpress.com/uk/benefits/why-american-express/offers.html

*** The Bonus Avios offer is valid for the first approved Supplementary British Airways American Express® Premium Plus Card or British Airways American Express® Card only. Please note, in rare circumstances it may take up to 90 days for the 3,000 bonus Avios (For British Airways American Express Premium Plus) or 1,000 bonus Avios (for British Airways American Express Card) to be applied to your Account. You may apply for several Supplementary Cards but you will only receive the bonus Avios for the first approved Card. You will not receive this bonus if you have ever received it before. This offer is subject to change and may be withdrawn at any time.

**** Terms and Eligibility Apply. Log in to your American Express Account or American Express® App to see the latest referral offer available. If you are eligible to participate in the Referral Programme, you may refer as many friends or family members as you wish but there are annual limits on the rewards you can earn through referrals. Please visit https://www.americanexpress.com/en-gb/referral to find out more. Please only refer friends and family who are happy to receive information from American Express. You can earn up to a maximum of 90,000 bonus points or a maximum of £150 cashback per calendar year if you hold a cashback product. Your friend must apply via the link you share with them to ensure you both receive your bonus. All introductory offers are subject to change and can be withdrawn at any time. Your friend will receive rewards depending on the Card they choose and their spend on this Card. Your Card Account’s eligibility to participate in the Referral Programme is based on your overall credit rating and other factors including your Account history with American Express. If payments to your American Express® Card Account are not kept up to date, you could lose your bonus points.

Comments (27)

  • Oliver says:

    The T&Cs say you only get the bonus once, but I have two additional cards on my BAPP, and got 3,000 Avios with both.

  • Chas says:

    Question on supps on the Business Plat card: I think you can get the 5k MR bonus on the first 5 cards issued. My wife has already issued me with one. Can she issue me with another (and her a supp too) to help us split our spend more effectively? The fact that we’d get another 10k MR is purely coincidental…. 🙄

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