Got a British Airways American Express? Are you ready for the 1st September changes?

On 1st September, the British Airways American Express credit cards will see the biggest changes since they were introduced 20 years ago.

Are you ready?

We have written comprehensively about the changes, but here is a quick reminder.

On the free British Airways American Express card:

• 2-4-1 companion vouchers issued after 1st September can no longer be used for First, Business or Premium Economy flights

• 2-4-1 companion vouchers will be triggered with an annual spend of just £12,000, down from £20,000

• 2-4-1 companion vouchers issued after 1st September cannot be used in the same booking as vouchers issued before 1st September

Full details of the changes to the free British Airways American Express are in this article.

On the British Airways Premium Plus American Express card:

• the annual fee increases from £195 to £250 per year

• 2-4-1 companion vouchers issued after 1st September will have access to substantial extra availability in Club World – if there are cheap cash seats for sale on a flight (technically “I-class” tickets) you can book them for Avios

• 2-4-1 companion vouchers issued after 1st September cannot be used in the same booking as vouchers issued before 1st September

Full details of the changes to the British Airways Premium Plus American Express are in this article.

If you have the BA Premium Plus Amex, are you ready?

Holders of the British Airways Premium Plus American Express card have it easier. There is only have one decision to make in the short term:

• should you trigger your next 2-4-1 voucher before 1st September, which will let you combine it with other 2-4-1 vouchers you have?, or

• should you trigger your next 2-4-1 voucher after 1st September, because you will get access to far more Club World seats?

For what it’s worth, I went with the first option. I already had an unused 2-4-1 in the bank, and we are a family of four. It is more important to me that I can combine two vouchers for my entire family than get access to extra Club World seats.

If you travel as a couple, or travel as a family but don’t have an unused 2-4-1 already banked, I would go with the second option.

If you have the free BA Amex, are you ready?

This is where it gets complicated because if you don’t act, decisions may be taken for you without your consent.

Will you have spent £12,000 to £19,999 on your free BA Amex on 1st September?

If the answer is ‘yes’, then you have a problem.

On 1st September, your account will automatically trigger the new-style 2-4-1 voucher which is only valid in Economy.

Not everyone will be unhappy about this. Some holders of the free BA Amex have never, ever triggered a companion voucher because they never spent £20,000 in a year. (These people should not be BA Amex cardholders, frankly, because there are more generous cards available but let’s ignore that for today.)

If this sounds like you, here are your options:

• you could try to bring forward spending (top up your Amazon account etc) to ensure that you hit £20,000 by 31st August. This would get you a one year 2-4-1 voucher which can still be used for First Class, Business Class or Premium Economy, not just in Economy.

• you could upgrade your free BA Amex to the British Airways Premium Plus American Express. As you have spent over £10,000 this year, your 2-4-1 voucher will be triggered immediately. This will give you a two year 2-4-1 voucher which is valid in any travel class.

• you can do nothing. A new style one year 2-4-1 voucher, valid only in Economy, will be awarded to you on 1st September.

In my view, options one and two are far more attractive than option three.

Will you have spent under £12,000 on your free BA Amex on 1st September?

If this is you, you don’t have any pressure to act now. Nothing will be triggered on 1st September.

You WILL have to make a decision at some point before you hit £12,000 however:

• do you remain with the free BA Amex, and wait for the new-style Economy-only 2-4-1 voucher to be triggered whenever you do hit £12,000?

• do you upgrade to the British Airways Premium Plus card at some point before you hit £12,000? If you are already over £10,000 of spending when you upgrade, your 2-4-1 voucher is triggered immediately. If you are under £10,000 of spending, it will trigger when you hit the threshold.

If you go for the 2nd option, you also need to think about the timing:

• should you upgrade and trigger your next 2-4-1 voucher before 1st September, which will let you combine it with other 2-4-1 vouchers you have?, or

• should you upgrade and trigger your next 2-4-1 voucher after 1st September, because you will get access to far more Club World seats?

Will you have spent over £20,000 on your free BA Amex on 1st September?

For completeness, let’s look at the other possible scenario.

If you will have spent over £20,000 on your free BA Amex on 1st September, you have nothing to worry about.

You have already triggered your 2-4-1 voucher for this card year. The change in the rules won’t take effect until you trigger your next companion voucher in a future card year.

How do you upgrade your free BA Amex to Premium Plus?

Confusingly, there is no ‘official’ upgrade process.

Go to the Premium Plus application page here and make a fresh application. Give details of your free BA Amex when asked about what other American Express cards you hold.

Amex’s IT will automatically spot your attempt to upgrade, issue your Premium Plus card, close your existing free BA Amex (it isn’t possible to have both cards) and copy across all of your existing statement information and your ‘year to date’ spending total. This will work smoothly – Amex has the process very much under control.

For clarity, you will not receive a sign-up bonus on the Premium Plus card.

Conclusion

There are some tough decisions ahead for holders of the free British Airways American Express.

If you will have spent between £12,000 and £19,999 on 1st September, you need a plan. If you don’t act, you will be issued with a 2-4-1 ‘Economy only’ companion voucher on 1st September whether you like it or not.

PS. For simplicity above, I have ignored the fact that all 2-4-1 vouchers issued before 31st December 2021 will come with an extra six months validity as a covid compensation benefit. The free BA Amex voucher will be valid for 18 months whilst the BA Premium Plus voucher will be valid for 30 months.

PS. If you are not a regular Head for Points visitor, why not sign up for our FREE weekly or daily newsletters? They are full of the latest Avios, airline, hotel and credit card points news and will help you travel better. To join our 65,000 free subscribers, click the button below or visit this page of the site to find out more. Thank you.

---

Want to earn more points from credit cards? – April 2025 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers: