Why we didn’t publish the so called 120K BA offer

Update: While we did not initially publish the 120K offer because there was still a better 100K offer as outlined in this post, that 100K offer has now expired and we have updated our link to the only known public offer, which is the 120K offer described in this post.

The “120K” offer.  After $30K spend, you’ll have earned a total of 120,000 Avios.  Meanwhile, you’ll get the same number of Avios with only $20K spend via the 100K offer.

Today, Chase debuted a new offer for their British Airways (BA) credit card: Earn up to 120,000 Avios.  That sounds great right?  So, why have we kept the 100K offer on our site instead?  The answer is simple: The 100K offer is better, without question.  With the “120K” offer, you can earn a total of 120,000 Avios after $30,000 spend.  With the 100K offer, though, you’ll earn the same 120,000 Avios (100K bonus Avios + 20K standard credit card earnings) from only $20,000 spend.

The 100K offer. Earn 100,000 bonus points after $20,000 in total spend. With this offer, you’ll earn at least 120,000 points (100K bonus points + 20K standard earning points) after $20K spend. Update: The offer above has expired and is no longer available.

We always publish the best public offers, even if it means less revenue for us.  And in this case, that’s exactly what it means.  While Chase has pushed the inferior 120K offer out to affiliates, they are still showing the better 100K offer on their own website: creditcards.chase.com.  So, we’ve replaced our affiliate link with a direct link to the better Chase offer.

Update: The above was true at the time of publication, but the 100K offer is no longer available as of February 2019. The offer shown below is now the only known public offer.

Chase British Airways Visa Signature® Card
Up to 90K bonus Avios (advertised as 120K)
Earn 4x everywhere on up to $30K in total purchases during the first year (then 3x on British Airways and 1x everywhere else)

$95 Annual Fee

Recent better offer: 100K:
-50K after $3K spend in 3 months
-Additional 25K after $10K total spend in 1st year and a further 25K after $20K total spend in 1st year [Expired 2/19]

FM Mini Review: Good choice for a nice signup bonus. For most people, though, I don't see it as a compelling card to keep past the first year.


Card Type: Visa Signature

Base
Brand

Earning rate: ⚬ 3X British Airways. Iberia, and Open Skies purchases ⚬ 1X elsewhere

Big spend bonus: Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together companion Ticket good for two years.

Last updated on February 27th, 2019

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About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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JL100
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JL100

we appreciate it

GradCashGrab
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GradCashGrab

Always appreciate your aboveboard actions and analyses.

Matthew
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Matthew

Thank you! Initially I thought well that’s kinda nice as it’s a flat 4x on everything as some get scared by the minimum spend required. However, I would hope most could do the $3,000 spend, which at 50k is 16.7x. The same level of spend for 50k at 4x would require $12,500 spend. With the old offer at $13,000 total spend you would be at 75k anyway, much better than 52,000 Avios! Clearly this offer isn’t very good and I hope $30k spends don’t become a norm!

Matthew Harlan
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Matthew Harlan

Good call Greg. Thanks.

Colabus
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Colabus

If you did go for the $30k spend, wouldn’t that also qualify you for the free companion ticket?

JayP
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JayP

“We always publish the best public offers, even if it means less revenue for us.”
It might not mean less revenue in the end. I generally use your links and always refer friends who aren’t familiar with all of the complexities of points and miles to your best offers page specifically because of this policy, and the objective ranking system used for first year values. At any rate, a good policy. This post may be half explanation for why you don’t have the new offer posted and half a self pat-on-the-back, but whatever the case your deserve credit for this policy.

qmc
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qmc

But if you’re including the spend from the 20k to meet the bonuses for the “100k” offer (20k for spend + 100k for all the bonuses), you should also include the 30k avios in the “120k” offer’s spend… (30k for spend + 120k for all the bonuses) making it 150k avios for $30k spend.

120k avios for 20k spend

150k avios for 30k spend.

Could be compelling for some…

philco1941
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philco1941

Yeah could be useful for those that want the travel together certificate which comes after $30k in spend though with the recent BA increases in fees on award tickets which were already fairly obscene ex-US those certs are pretty useless in my opinion and I have used several in years past.