Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
3x
Travel
2x
Where it wins:
Stated credits ($600/yr) cover the $95 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 3 Avios per $1 on Iberia, British Airways, and Aer Lingus flights.
Earn 2 Avios per $1 on hotel accomodations booked directly with the hotel.
Earn 1 Avios per $1 on all other purchases.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseBritish Airways3×
- Everything elseAer Lingus3×
- Everything elseIberia3×
- TravelHotels2×
- Everything elseAll Purchases1×
Welcome offer
75,000 points
- Spend $5,000 in 90 days
- Est. value: $750 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Reward Flight Statement Credits$600/yr
Receive statement credits of $100 for Economy/Premium Economy or $200 for Business/First Class seats, up to three times per year (max $600), when you book a Reward Flight on British Airways and pay taxes, fees, and carrier charges with your card.
Benefits
- 10% Off Flights
Receive 10% off British Airways flights when you book through the website provided in your welcome materials.
- Travel Together Ticket
Spend $20,000 each year on your card and receive a two-for-one travel together ticket.
- Travel Together Ticket(earned)$200/yr
- Reward Flight Credit$600/yr
Recieve a statement credit of up to $200 US per booking when you book a reward flight to London travelling on British Airways. Eligible up to 3 times per year.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.