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There’s no tip-toeing around the fact that Chase has a lot of great rewards credit cards. Choosing the best Chase credit card can be downright difficult, especially for those just starting out. Is it better to apply for the Chase Sapphire Preferred® Card vs British Airways Visa Signature® Card? Let’s take a look.

Best Sign-Up Bonus: Chase Sapphire Preferred vs British Airways Credit Card

Chase Sapphire Preferred Card

The Chase Sapphire Preferred is known as one of the best Chase credit cards for a reason.

New Chase Sapphire Preferred® Card cardholders can earn 80,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1,000 when you redeem through Chase Ultimate Rewards®. Plus, they can earn up to $50 in statement credits towards grocery store purchases within the first year of account opening.

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Chase Sapphire Preferred® Card

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APPLY NOW
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Those signup bonus points are a nice haul. They are good for statement credits or cash back (not that I would recommend using your UR points this way). Or you can get even more value by transferring your points out to travel partners. More on this later.

British Airways Visa Signature Card

New British Airways Visa Signature® Card cardholders can earn 50,000 Avios by spending $3,000 on purchases in the first 3 months of account opening. Additionally, spending $20,000 total on purchases within the first year of account opening earns a Travel Together Ticket.

New cardholders also earn 5 Avios per $1 spent on purchases with Aer Lingus, British Airways, Iberia, and LEVEL within the first 12 months from account opening (earn 3 Avios thereafter). New cardholders can also earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within the first 12 months from account opening (earn 2 Avios thereafter).

Plus, new British Airways Visa Signature® Card cardholders can get 10% off British Airways flights starting in the United States when you book through the website provided in the welcome materials.

You can do a lot with British Airways Avios. This is a tough call, as both cards have some of the best credit card offers. I’m going to go with the British Airways Visa since you can currently earn more Avios.

Winner: British Airways Visa Signature® Card

Best Spending Benefits

The British Airways Visa earns at least 1x Avios on all purchases. I love earning more than 1x per $1, but 1x doesn’t get me too excited. However, you will get 3x Avios per $1 spent on British Airways, Aer Lingus, Iberia, and Level purchases. You also earn 2x Avios per $1 spent on hotel accommodations. 

There is an additional spending bonus with the British Airways Visa. Every calendar year that you make $30,000 in purchases on your British Airways Visa Card, you’ll earn a Travel Together Ticket, good for two years.

The Travel Together Ticket lets you bring a companion for free on an award ticket. Well, kind of free. You will still have to pay the taxes and fees on the award ticket. We all know those can be hefty on BA, but still, a great value if you’re traveling in a premium cabin.

Travel-together-british-airways Chase Sapphire Preferred vs British Airways Credit Card
Is the British Airways Travel Together Companion Ticket a Good Deal?

The Chase Sapphire Preferred earns 2x Ultimate Rewards points on dining and travel. I said it before, but man do I spend a lot on dining & travel, so it’s nice to know there’s a card with a built-in perk for those purchases. All other purchases will earn 1 point. Other Chase Sapphire Preferred benefits include travel protections and the ability to transfer all the points you’re earning.

I think the British Airways Travel Together Ticket offers some great value, but not everyone will want to spend $30,000 in a calendar year (unless they qualify and earn the signup bonus). I gotta go with the Sapphire Preferred and its 2x spending bonus on dining and travel that is not limited to specific airlines.

Winner: Chase Sapphire Preferred® Card

Best Perks Chase Sapphire Preferred or British Airways Visa?

The Chase Sapphire Preferred and British Airways Visa are both chip & signature cards that don’t charge foreign transaction fees. This makes them an attractive option when you’re traveling abroad. Both of these cards made our best credit cards for international travel list.

Also, both cards are Visa Signature cards, which I’ve written about before here.

Visa Signature benefits are additional benefits you can receive for travel, movie tickets, dining, or special occasions. You can check out the Visa Signature page here. The Sapphire Preferred and British Airways Visa pretty much even each other out here.

Winner: Tie 

chase sapphire preferred wine
All the Chase Sapphire Preferred benefits

Best Points — Ultimate Rewards or Avios?

Ultimate Rewards

The Chase Sapphire Preferred earns uber valuable Ultimate Rewards points. Ultimate Rewards points can be transferred out to many top tier travel programs.

You can use them for international travel on United, Korean, Virgin Atlantic, and yes, British Airways. Cardholders can also fly to Europe by transferring your Ultimate Rewards points to United in economy for 60,000 miles.

You can fly domestically with your UR points by transferring to Southwest, British Airways (AA), Virgin Atlantic (Virgin America) or United. I prefer to use my Ultimate Rewards points for domestic flights through Southwest or British Airways (actually fly AA).

And there are many hotel chains that you can transfer your points to, including Hyatt, Marriott, Ritz Carlton, and IHG. I prefer Hyatt, but that’s because I have elite status with them.

And of course, you can also use your Ultimate Rewards points for statement credits or cash back, but I wouldn’t suggest using them in that way, mainly because you can get more value by redeeming for award travel (plus this is a travel site, after all).

Ultimate Rewards points can be combined with household member accounts, and if you hold multiple Ultimate Rewards earning credit cards. I do. Combining and transferring Ultimate Rewards points to travel partners is easy.

Avios

The British Airways Visa earns Avios. I love Avios, and since Membership Rewards & Ultimate Reward points transfer to British Airways, it’s easy to top off your account. I love having a couple of options to top off my points balance.

The British Airways loyalty program is distance-based. That means the longer the distance of the flight, the more you will pay in miles and in fuel surcharges/taxes. Gross. Flying in First Class and Business Class can be worth the fees, but that’s not for everyone. However, there are definitely some gems.

For example, you can fly to Dublin from Boston in business class for 25,000 Avios one-way, or 12,500 in economy. Smoking. You can also avoid the hefty fuel surcharges by flying air Berlin. And then there’s Iberia. You can combine your British Airways Avios with Iberia Avios to book a flight. And Iberia will sometimes have fare sales like earlier in the year when you could book a one-way business class ticket to Spain for 20,000 Avios!

So you do have some options with Avios to fly long distance and avoid their fees. But don’t forget about their short-haul gems, both domestically and internationally. I’d have taken advantage of these gems many times. Domestically, you will actually be flying American Airlines and US Airways once the merger is complete with American. I always look to British Airways Avios first when I need a domestic flight.

We have also jaunted across intra-Europe with Avios. Last year, after going to Dublin, we hopped over to London for 4,500 and $30 each. That’s not bad at all. Almost felt bad about that redemption. And on our current trip, we’ve used Avios to hop to Rome, Barcelona, and Madrid.

Avios vs Ultimate Rewards

The fact that Ultimate Rewards can be transferred to British Airways and many other programs obviously gives it the edge here. But the British Airways loyalty program is one of my favorites for its redemptions and because you can top it off with Membership Rewards (lower redemption rate) and Ultimate Rewards points.

Winner: Chase Sapphire Preferred® Card

Conclusion

The Chase Sapphire Preferred and British Airways Visa are both great card offerings from Chase bank, but if I could only choose one, I would have to go with the Chase Sapphire Preferred. Ultimate Rewards points are just too darn flexible.

I could see the British Airways Visa being more attractive if you’re a big spender, so you can take advantage of the Travel Together Ticket, but I understand that’s probably a small market. Also, the sign-up bonus is better with the British Airways card, so if you had a specific BA redemption in mind, then it could make sense to choose it over the Chase Sapphire Preferred.

My wife and I both have had these cards, and they have actually worked quite well together. It’s hard to go wrong with these two cards. I hope this helps if you’ve been on the fence about applying for either card.

Chase Sapphire Preferred® Card

British Airways Visa Signature® Card

Related posts: 

Chase Sapphire Preferred vs. Barclays Arrival

Southwest Rapid Rewards vs. Chase Sapphire Preferred

Advertisement

Chase Sapphire Preferred® Card

recommended-cart-post-image
APPLY NOW
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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