Hi there BA Visa card "experts"! I'm a newbie at playing the points game & am hoping some of you seasoned players can help. I am looking to travel from the NY/NJ area to London this summer with my family (husband & 2 teens) & was thinking about getting the BA Visa card. It looks like the "deal" they are currently offering is $95 annual fee, 50,000 bonus Avios if you spend $1,000 in the first 90 days & a "travel together ticket" if you spend $30,000/year. My first question is...When do they post the 50,000 bonus miles to your account? Is it when you "hit" the $1,000 or after 3 months? I was thinking it might be possible to redeem the bonus miles towards upgrading the 4 of us from Premium Economy to Business. Second question... Do you cash in Avios for upgrades at the time of making your reservation or can this be gone at a later date? Any thoughts would be appreciated!!!