Is the British Airways Amex Premium Plus worth it in 2026?
£300/year
The British Airways Amex Premium Plus earns 1.5 Avioss per £1. Whether it's worth the fee comes down to one question: do the perks and points you'll actually use add up to more than £300 a year? Here's what's on the table — and a free tool to work out your number.
Travel inconvenience & accident insurance. Underwritten by Chubb at no extra premium: flight delay/overbooking/missed connection cover (up to £200 missed departure, £1,750 extended baggage delay), Travel Accident, Purchase Protection (£2,500/item) and Refund Protection (£200/item). Counted at £25 — this cover is rarely purchased standalone.
Vouchers
Companion Voucher (any cabin) — earned at £15,000 spend in a card year, valid 24 months. Spend £15,000 in a card year and a second passenger flies on the same Avios booking for no extra Avios — any cabin including Club World and First, with enhanced Club World reward availability. Flying solo? It halves the Avios instead. Valid 24 months. Default value £500: a long-haul Club World 2-4-1 saves 100k+ Avios (≈£1,000 at 1p), heavily discounted for taxes, availability and the risk you never use it.
Does it pay for itself?
You need more than £300 of value a year to come out ahead. Unused perks are worth £0, so the honest answer depends on how you'd really use it: lounges you'd actually visit, credits you'd actually spend, insurance you'd otherwise buy, and vouchers you'd actually redeem. The free CCWorth adds it all up from your own answers and shows your real position — plus exactly what it'd take to break even.