British Airways | American Express® Premium Plus credit card
Representative 101.4% APR (variable)
Purchase rate: 24.7%
The standard interest rate on purchases is 24.7% p.a. (variable), so when borrowing £1,200 the Representative APR will be 101.4% (variable).
British Airways | American Express® Premium Plus credit card customer reviews.
1.9 out of 5 stars
Our review of British Airways | American Express® Premium Plus credit card
The British Airways American Express Premium Plus credit card is mid-table on Choose Wisely when it comes to affordability. They try to entice customers with their flight-based incentives such as 25,000 Avios in return for spending £3,000 in the first three months. You can also earn 1.5 Avios for every £1 you spend – to put it into context with 20,000 Avios you could get one return flight from London to Moscow or another location in Europe and Africa.
As well as the flight incentives you can also receive the standard American Express benefits with your British Airways Premium Plus credit card. These range from their online management tool, priority tickets to events and films and protection for shopping and travel.
It’s difficult to find any online reviews that are specific to this particular card, however reviews for the American Express brand in general are quite mixed. With a rating of ‘average’ from TrustPilot, customers are pleased with the reliability and online security, however there are customers that are dissatisfied with their customer service and the fact their cards aren’t always accepted everywhere - coverage is improving over time.
Overall verdict: Even though it’s a tad more expensive than other cards, the British Airways benefits are quite an incentive if you are eligible for this card. The amount of protection you get for travel and shopping, it could be a card worth looking into, especially if you’re a regular traveller.
Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.
Highlights
- Travel and shopping protection
- Online account management
- Automatic enrolment to the British Airways Executive Club
- 25,000 bonus Avios welcome offer
- Companion Voucher if you spend over £10,000 per anniversary year
- Earn 1.5 Avios for every £1 you spend
Minimum criteria
- You must be aged 18 or over
- You must have a UK bank or building society account
- You need to have a permanent UK address
- No history of bad credit or debt
Fees
- Introductory Balance Transfer Rate: 0%
- Introductory Purchase Rate: 0%
- Balance Transfer Rate: 22.9%
- Balance Transfer Fee: £0
- Purchase Rate: 24.7%
- Representative APR: 101.4% (variable)
About British Airways | American Express® Premium Plus credit card
The British Airways American Express Premium Plus credit card has a representative APR of 76% an annual fee of £195. The minimum credit limit is £750, but the maximum is determined by American Express who will look at your credit history and personal circumstances when making a decision. This card comes with a number of British Airways benefits which depend on how much you spend with them.
As a welcome offer you get 25000 bonus Avios (the global currency) if you spend £3,000 in your first three months, you’ll also be automatically enrolled into the British Airways Executive Club and you’ll get a Companion Voucher if you spend over £10,000 per anniversary year. As ongoing benefits you’ll receive 1.5 Avios for every £1 you spend on your British Airways American Express Premium Plus credit card, as well as travel and shopping protection. You will also be awarded 3 Avios for virtually every £1 you spend direct on British Airways flights and holidays.
If you want to apply for one of these cards you will need to meet a certain set of criteria; you will need to be UK resident aged over 18, have a current UK bank or building society account and you need to have a good credit history. The application process only takes around 10 minutes and you can receive your decision within minutes.
Company information
Registration number: 1833139
Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX
FCA registration
Reference No: 661836
Trading names: American Express Services Europe Limited, American Express
Place of business: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX
Data protection registration
Registration No: Z9506659
Data controller: AMERICAN EXPRESS SERVICES EUROPE LIMITED
Address: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX
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