Them's the rules for the BA AmEx - UK card holders only. And thus it follows you can't be part of a non-UK HHA either. Out of interest, what "savings" do you mean? The tier thresholds are the same so it's not like there's the Eurocheat incentive...I am curious how the US account differs from the UK because I thought (post July 2003's revamp) they were basically now the same.