British Airways American Express Accelerating Business Card review November 2019

Go all-in with travel rewards thanks to this business credit card that earns both Avios and On Business points.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £210 per annum, your representative rate is 81.6% APR (variable).

0%

Balance transfer fee

81.6%

Representative APR

£210

Yearly account fee

Earn 1.5 points

per £1 spent

Details

IssuerAmerican Express
NetworkAmex
Annual/monthly fees£210 per annum
Balance transfers22.9%
Balance transfer fee0%
Purchases22.9%
Purchases interest-free periodUp to 56 days
Cash advances27.9%
Min. credit limit£1,000
Max credit limitNot specified
Additional cards available25
IncentiveEarn 1.5 On Business Points for every £1 spent with BA on eligible flights and 1.5 Avios for every eligible £1 spent on credit card. Earn an extra 3,000 On Business Points annually when £20K or more spent by card anniversary.

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

As you may have guessed, this card is meant for companies that travel with BA a lot. If you do, it’s probably your best shot at stockpiling points and earning free flights and rewards as quickly as it gets.

The On Business programme is a business frequent flyer scheme and its points are usually way more valuable than Avios points (although it does depend on the rewards you choose). With this card, you’ll earn them on your BA spending at a quicker rate than you normally would. There is a juicy annual bonus you can qualify for if you use the card enough too.

You’ll also earn Avios points (on your personal Avios account) for every £1 you spend on the card, no matter what for. All in all, if you and your colleagues travel often, it won’t take long before you can start enjoying well-deserved free flights, hotel stays and flight upgrades.

However, all these rewards come for a not-so-cheap £210 per annum annual fee. It can totally be worth it, but you’ll have to use the card a lot, so make sure you’ve done your maths before applying.

Finally, unlike the rest of Amex’s business cards, this is an actual credit card, not a charge card, so you can carry a balance on it if you need to – although the 22.9% rate on purchases isn’t especially competitive. But if you do pay off your bill in full every month, your business cash flow will also get the benefit of a 56-day long billing cycle.

How does this card compare with other similar cards on the market?

American Express card

Updated November 21st, 2019
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
N/A
1.5 points per £1 spent
£210 per annum
81.6% p.a. (variable)
Earn 1.5 On Business Points for every £1 spent with BA on eligible flights and 1.5 Avios for every eligible £1 spent on credit card. Earn an extra 3,000 On Business Points annually when £20K or more spent by card anniversary.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £210 per annum, your representative rate is 81.6% APR (variable).

Compare up to 4 providers

Other business cards

Table: sorted by representative APR, promoted deals first
Updated November 21st, 2019
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
20,000 points
N/A
£0
39.9% p.a. (variable)
Opt-in to Capital Club for £99 pa to earn 1 point for every £1 spent. 2 points can be redeemed for either 1 Avios Point or 1p in cashback. 10,000 bonus points when £5,000 spent in first 3 months. Up to 15 free supplementary cards available.
Representative example: When you spend £1,200 at a purchase rate of 39.9% (variable) p.a., your representative rate is 39.9% APR (variable).
20,000 points
N/A
Capital Club £99 p.a. or On Tap Club £249 p.a
39.9% p.a. (variable)
Earn 1 point for every £1 spent. 2 points can be redeemed for either 1 Avios Point or 1p in cashback. 10,000 bonus points when £5,000 spent in first 3 months. Up to 15 free supplementary cards available. Opt-in to On-Tap Club for £249 pa to earn 1 point for every £1 spent. 1 point can be redeemed for either 1 Avios Point or 1p in cashback. 20,000 bonus points when £5,000 spent in first 3 months. Up to 20 free supplementary cards available.
Representative example: When you spend £1,200 at a purchase rate of 39.9% (variable) p.a., your representative rate is 39.9% APR (variable).
N/A
1.5 points per £1 spent
£210 per annum
81.6% p.a. (variable)
Earn 1.5 On Business Points for every £1 spent with BA on eligible flights and 1.5 Avios for every eligible £1 spent on credit card. Earn an extra 3,000 On Business Points annually when £20K or more spent by card anniversary.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £210 per annum, your representative rate is 81.6% APR (variable).
N/A
N/A
£125 (£0 in first year)
N/A (this product is a charge card).
Earn 20,000 bonus Membership Rewards® points when you spend £3,000 in first 3 months of Card membership. Earn 1 Membership Rewards® point for every £1 spent thereafter.
40,000 points
1 point per £1 spent
£595 p.a.
N/A (this product is a charge card).
Earn 40,000 bonus Membership Rewards® points when you spend £6,000 in first 3 months of Card membership. Earn 1 Membership Rewards® point for every £1 spent thereafter.
N/A
N/A
£0
14.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a., your representative rate is 14.9% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 917 8043), or you can set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the British Airways American Express Accelerating Business Card

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

Finder credit card ratings

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★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

We rate business rewards credit cards by comparing them to similar products on the market. We consider a lot of factors, but prioritise those that tell us if the card does its job, such as the earn-rate and the quality of the rewards, plus fees, rates and costs.

Learn more on our scoring criteria and star ratings on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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