British Airways Visa Signature® Credit Card vs Chase Sapphire Reserve®

British Airways Visa Signature® Credit CardBritish Airways Visa Signature® Credit Card

Chase

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Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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Annual Fee
$95
$795
Card Type
Personal
Personal
Rewards Currency
Avios
Chase Ultimate Rewards
Point Value
1.30¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
75,000 Avios after $5,000 in 3 months
100,000 Chase Ultimate Rewards after $6,000 in 3 months

Effective return by category

CategoryBritish Airways Visa Signature® Credit CardChase Sapphire Reserve®
Card Travel Portals1.30%
1x
16.00%
8x
Airfare1.30%
1x
8.00%
4x
Hotels & Lodging2.60%
2x
8.00%
4x
Dining & Restaurants1.30%
1x
6.00%
3x
Everything else1.30%
1x
2.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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