Chase Sapphire Preferred vs British Airways Visa Signature: Which Is Better In 2025?

British Airways Visa Signature® Breakdown

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Why We Like It

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Here’s a closer look at what makes the British Airways Visa Signature® Card a compelling choice for travelers.

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• The card offers a solid rewards rate on travel, especially for purchases made directly with British Airways and its partner airlines.
• Unique perks like the annual Travel Together Ticket and a 10% discount on British Airways flights provide significant value for loyal customers.
• Booking just one $950 flight with the 10% discount can offset the card's annual fee (publisher-formulated estimate).

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Pros

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• The annual Travel Together Ticket is a standout perk, allowing you to bring a companion on a flight for just the cost of taxes and fees.
• Cardholders can earn Avios on travel and everyday purchases, with flexible redemption options across British Airways and its extensive network of partner airlines.
• It’s a solid choice for international travel, offering no foreign transaction fees and a suite of travel and purchase protections.

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Cons

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• The card includes an annual fee.
• Redeeming Avios for award flights can still be costly, as they are subject to substantial taxes, fees, and carrier-imposed surcharges.
• Key perks like the Travel Together Ticket come with significant restrictions, and the rewards program is most valuable for travelers loyal to British Airways and its partners.

British Airways Visa Signature® vs Chase Sapphire Preferred®

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Categories

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Deciding which is better, Chase Sapphire Preferred® or British Airways Visa Signature®, depends entirely on your travel habits and goals. Each card excels in a different area, catering to distinct types of travelers.

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• British Airways Visa Signature® Card: This card is designed for frequent travelers, particularly those who often fly internationally with British Airways or its airline partners.
• Chase Sapphire Preferred® Card: This card is best for those entering the world of travel rewards, offering a strong combination of benefits and protections for entry-level travel.

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Redemption

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British Airways Visa Signature®: Points, known as Avios, are primarily redeemed for flights on British Airways and its extensive network of Oneworld airline partners, making it ideal for those focused on international award travel within that alliance.

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Chase Sapphire Preferred®: This card offers more flexible redemption options through the Chase Ultimate Rewards program, allowing points to be used for travel booked via the Chase portal, transferred to various airline and hotel partners, or redeemed for cash back and gift cards.

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Travel Perks

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• British Airways Visa Signature® Card: The travel ecosystem for this card is tightly integrated with the British Airways Executive Club. It charges no foreign transaction fees, a key perk for its target audience of international flyers. Its signature benefit is the Travel Together Ticket, a valuable companion voucher awarded after meeting a substantial annual spending requirement. Cardholders may also get statement credits to help cover the taxes and fees on award flights booked with Avios.
• Chase Sapphire Preferred® Card: This card’s ecosystem is built around the flexible Chase Ultimate Rewards portal, where points are worth 25% more when redeemed for travel. It also features no foreign transaction fees. Beyond points, its major advantages lie in a strong suite of travel protections, including primary auto rental collision damage waiver and trip cancellation insurance, as well as an annual hotel credit for stays booked through the Chase portal.

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Compare Top Rated Credit Cards with Kudos

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To make the right choice, a tool like Kudos can help by evaluating nearly 3,000 credit cards to find the best fit for your unique spending patterns.

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• Test drive credit cards using your real spending data to see potential earnings before you apply, without impacting your credit score.
• Receive a detailed analysis of your approval odds based on your credit report.
• Take advantage of a welcome offer guarantee that matches any better public offer you find within three months of applying.
• Unlock $100 in Kickstart+ Rewards by adding select approved cards to your Kudos Wallet.
• Monitor your transactions, spending, and credit score all in one place.

Who Should Choose the Chase Sapphire Preferred®?

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The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers who want to maximize rewards on their travel and dining expenses. It's particularly well-suited for individuals who value robust travel protections and flexible redemption options, including the ability to transfer points to various airline and hotel partners. With a moderate annual fee, this travel rewards card serves as a strong entry-level option for those with good-to-excellent credit looking to dive into the world of travel rewards.

Who Should Choose the British Airways Visa Signature®?

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The British Airways Visa Signature® Card is tailor-made for loyalists of the airline and its Oneworld partners, particularly those who frequently travel internationally. Its value shines for high-spenders who can unlock the annual Travel Together Ticket, effectively getting a two-for-one deal on reward flights. As detailed in this complete guide, travelers also benefit from perks like a 10% discount on flights originating in the U.S. and no foreign transaction fees.

Alternatives to Consider

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Perhaps our Chase Sapphire Preferred vs British Airways Visa Signature comparison has shown that neither the Chase Sapphire Preferred® Card nor the British Airways Visa Signature® Card is the right fit for you. If that's the case, there are several other excellent travel rewards cards to consider.

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Tips for Application Success

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Before You Apply

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• Check your credit score – most premium travel cards require good to excellent credit for approval.
• Plan your spending – ensure you can naturally meet the welcome offer's spending requirement without overspending.
• Know the issuer's rules – be aware of application restrictions, like Chase's 5/24 rule, that could affect your approval.

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Application Strategy

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• Time your application strategically – Apply before a large planned purchase to help meet the spending requirement more easily.
• Don’t settle for a lesser offer – You can often decline a lower welcome offer without impacting your credit score and try again later.
• Try different application channels – Some methods, like using a referral link or a different browser, may unlock an elevated offer.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I transfer points from the Chase Sapphire Preferred® Card to British Airways?

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Yes, you can transfer Chase Ultimate Rewards® points earned with your Sapphire Preferred card to the British Airways Executive Club program at a 1:1 ratio. This allows you to convert your Chase points directly into Avios.

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Does the British Airways Visa Signature® Card have foreign transaction fees?

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No, the British Airways Visa Signature® Card does not charge foreign transaction fees. This makes it a solid choice for purchases made outside of the United States.

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Can I have both the Chase Sapphire Preferred® Card and the British Airways Visa Signature® Card?

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Yes, it is possible to hold both cards simultaneously as they are distinct products. Having both can be a strategic way to maximize Avios earnings through different spending categories.

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