The BA Amex Credit Card review is a hot topic in 2025, especially among frequent British Airways flyers and smart spenders in the UK. If you’re looking for a way to turn your daily purchases into free flights, upgrades, and travel perks — this card could be exactly what you need.
In this in-depth ba amex credit card review, we’ll break down how the card works, its features, real benefits, user experiences, and whether it’s the right fit for your lifestyle and travel goals.
What Is the BA Amex Credit Card?
Let’s begin this ba amex credit card review with the basics. The British Airways American Express Credit Card (often called the BA Amex) is a travel rewards credit card designed specifically for UK residents who want to earn Avios points on their everyday spending.
It comes in two variants:
- BA Amex (Free Card) – No annual fee
- BA Amex Premium Plus – Offers premium benefits for an annual fee
Both versions allow you to accumulate Avios points which you can redeem for flights, upgrades, hotels, and more.
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Features at a Glance – BA Amex Credit Card Review
| Feature | BA Amex (Free) | BA Amex Premium Plus |
|---|---|---|
| Annual Fee | £0 | £250 |
| Welcome Bonus | 5,000 Avios | 25,000 Avios |
| Avios Earn Rate | 1 Avios per £1 | 1.5 Avios per £1 |
| Spend on BA.com | 1 Avios per £1 | 3 Avios per £1 |
| Companion Voucher | Spend £12,000/year | Spend £10,000/year |
| Reward Class | Economy only | All classes (Eco/Bus/First) |
This table shows that both cards offer value, but the Premium Plus version delivers faster Avios earnings and greater flexibility for redeeming rewards.
Why the BA Amex Credit Card Stands Out
Let’s look at why many UK travelers choose this card, according to our ba amex credit card review.
1. Welcome Bonus
Depending on which version you choose, you’ll receive a welcome bonus between 5,000 and 25,000 Avios — just for meeting a minimum spend within the first 3 months.
2. Companion Voucher
Earn a Companion Voucher each year by meeting your spending threshold. You can book a second reward seat on the same flight (using Avios) without spending additional Avios for the second person.
3. Fast Avios Collection
- Free card: 1 Avios per £1
- Premium Plus: 1.5 Avios per £1
- 3 Avios per £1 on British Airways website (Premium Plus)
4. Travel Perks
Early access to reward seats, Avios discounts on select routes, and the ability to pay partially with Avios and cash add flexibility.
Who Should Apply? – ba amex credit card review
This card is a great option for:
- British Airways flyers who travel at least once a year
- Couples or families planning international trips
- UK residents with good credit who spend regularly
- Anyone looking to maximize the value of their purchases through Avios rewards
How to Maximize Your BA Amex Credit Card
Here are practical tips from this ba amex credit card review on how to get the most value from your card:
- Use it daily for groceries, utilities, subscriptions, and travel to rack up Avios faster.
- Book flights through BA.com to earn 3x Avios (Premium Plus only).
- Use your Companion Voucher on long-haul or business class redemptions for high value.
- Combine Avios with cash when reward flights are unavailable or expensive.
- Monitor British Airways and Amex offers for bonus Avios and discounts.
Downsides to Consider
As with any card, this ba amex credit card review points out some drawbacks:
- £250 annual fee on Premium Plus may be steep if you don’t travel often.
- American Express is not accepted everywhere, especially in smaller shops.
- Reward seat availability is limited during peak travel times.
Real User Experiences – ba amex credit card review
Thousands of satisfied users have shared their experiences online. Here are a few highlights:
“I saved £1,200 on flights using the Companion Voucher — amazing value!” – Laura M.
“If you fly BA and collect Avios, this card is a no-brainer. The Premium Plus has paid for itself every year.” – Daniel R.
“I didn’t think I’d earn enough for a voucher, but I reached £10,000 in 9 months just using it for regular expenses.” – Sophie K.
🆚 BA Amex vs Competitors
Let’s compare the BA Amex with other top travel credit cards in the UK:
| Card | Bonus | Earn Rate | Annual Fee | Key Benefit |
|---|---|---|---|---|
| BA Amex Premium Plus | 25,000 Avios | 1.5 Avios/£1 | £250 | Companion Voucher, 3x BA.com |
| Amex Gold UK | 20,000 MR Points | 2x Dining/Travel | £0–£160 | Flexible Points + Lounge Access |
| Barclaycard Avios | 5,000 Avios | 1 Avios/£1 | £0–£240 | Simple Avios Earning |
If you’re focused on British Airways travel and Avios, the BA Amex Premium Plus stands out as the best long-term option.
✅ Final Verdict – ba amex credit card review Summary
To conclude this ba amex credit card review:
If you frequently fly British Airways, want to earn Avios, and value travel perks like a free Companion Voucher, this card offers excellent value — especially the Premium Plus version.
For those who want to dip their toes in without committing to a fee, the free BA Amex still offers decent Avios earning and a voucher option for Economy class.
📌 FAQs – BA Amex Credit Card Review
Q: Can I use Avios to book hotels or car rentals?
✅ Yes, through the British Airways Executive Club platform.
Q: Will applying for this card affect my credit score?
✅ Applying causes a small dip, but regular, responsible use improves your score over time.
Q: Can I hold both versions of the BA Amex card?
❌ No, you can only have one version at a time. However, you can switch between them.
Q: Does the Companion Voucher apply to all ticket classes?
✅ On Premium Plus, yes — including business and first class. On the free card, it’s limited to economy class.
