The Platinum Card from American Express vs British Airways Visa Signature® Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

No image

The Platinum Card from American Express

American Express

British Airways Visa Signature® Credit Card

Chase

Annual Fee

$895

$95

Welcome Bonus

80,000 Flex point

75,000 points

Base Earn Rate

Top Earn Categories

5X Hotels

5X Flights

1X Hotels

2X Airlines

2X Hotels

Network

AMEX

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

None

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

—

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

—

The Bottom Line

The British Airways Visa Signature® Credit Card has a lower annual fee ($95 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

British Airways Visa Signature® Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

The Platinum Card from American Express vs British Airways Visa Signature® Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

No image