British Airways American Express Credit Card vs Starling Personal Account Debit Card: fees, rewards and APR compared - DebitCue Skip to content
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Head-to-head

British Airways American Express Credit Card vs Starling Personal Account Debit Card

Compare British Airways American Express Credit Card and Starling Personal Account Debit Card side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

British Airways American Express Credit Card versus Starling Personal Account Debit Card compared by attribute
Feature British Airways American Express Credit Card Starling Personal Account Debit Card
Card fee No fee No fee
Purchase APR (from) 29.1% -
Interest-free period 56 days -
Foreign transaction fee 2.99% 0%
Rewards 1 Avios per £1 on all purchases. Companion Voucher (2-for-1 in Economy) unlocked at £15,000 annual spend, valid 1 year. Solo travellers receive 50% Avios discount instead. No cashback or points programme. No interest currently paid on current account balance (removed February 2025). The Tail app integration provides selective merchant cashback but is a third-party add-on, not a native Starling reward.
Installments Flexible instalment plan available -
No card fee
No foreign transaction fee -
Welcome bonus -
Airport lounge access - -
Travel insurance -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the British Airways American Express Credit Card if its checked rows above line up with how you spend most.
  • Choose the Starling Personal Account Debit Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review British Airways American Express Credit Card Full review Starling Personal Account Debit Card

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