In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements
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British Airways American Express® Accelerating Business Card review

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British Airways American Express® Accelerating Business Card
4.0
★★★★★
Finder score
Representative example:
When you spend £1,200 at a purchase rate of 28.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 108.4% APR (variable).
Interest-free each billing period
Up to 56 days
Intro bonus
Up to 30,000 points
Minimum credit limit
£1,000

Our verdict

Go all-in with travel rewards thanks to this business credit card that earns both Avios and On Business points.
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Finder Awards 2024 highly commended
Customer Satisfaction Award

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 £250 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 many 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. The 28.5% rate on purchases is pretty standard. 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.

Pros

  • Welcome bonus offer
  • Complimentary employee cards
  • 1.5 Avios for every eligible £1 spent
  • Customers report excellent customer service when dealing with American Express
  • Earn points on day-to-day spending
  • Up to 30,000 points introductory bonus

Cons

  • £250 per annum annual account fee - only worthwhile for frequent business travellers. The fee is tax deductible and refundable pro-rata if you cancel during the year
  • Extra fee on foreign exchange transactions

In this guide

  • Our verdict
  • Details
    • Product Overview
    • Fees and charges
    • Application Requirements

Details

Product Overview

Issuer American Express
Network Amex
Representative APR 108.4%
Annual/monthly fees £250 per annum
Balance transfers 28.5%
Balance transfer fee 3%
Purchases 28.5%
Purchases interest-free period Up to 56 days
Money transfers 28.5%
Cash advances 33.7%
Minimum credit limit £1,000
Maximum credit limit Subject to status
Additional cards available 20
Introductory Rewards Earn 30,000 bonus Avios points when you spend £5,000 in first 3 months of Cardmembership. Plus, for every £20,000 spent on the card, receive another 10,000 bonus Avios points, up to 3 times per year. Terms apply.
Incentive
Earn 1.5 Avios for every eligible £1 spent on purchases. Plus, for every £20,000 spent on the card, receive another 10,000 bonus Avios points, up to 3 times per year. Terms apply.
Potential costs 3.5 ★★★★★
Doing its job 4.0 ★★★★★
Extras 5.0 ★★★★★
Overall Finder score 4.0 ★★★★★

Fees and charges

Minimum monthly payment 2% or £25 (whichever is greater) or the total of any interest, default fees and charges, 1/12th of annual fee plus 2% of the outstanding balance.
Annual/monthly fees £250 per annum
Balance transfer fee 3%
Foreign usage charge (EU) 2.99%
Foreign usage charge (rest of world) 2.99%
Cash advance fee 3% (min. £3)
Late payment fee £12
Duplicate statement fee £2
Exceeding limit fee £0
Additional card fee £0
Dormancy fee £0

Application Requirements

Minimum Age 18
Residency UK-based
Additional Criteria The business has a current UK Bank or Building Society account

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

Table: promoted then other popular deals
Name Product Finder score Finder score Max. intro bonus Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
Capital on Tap Business Credit Card
4.0
★★★★★
★★★★★
Expert analysis
N/A
1 point per £1 spent
£0
35.2% APR (variable)
Go to site
Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback)
Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.2% APR (variable).
Barclaycard Payments Select Cashback Business Credit Card
4.0
★★★★★
★★★★★
Expert analysis
N/A
1% cashback
£0
27.5% APR (variable)
Go to site
*Get 1% uncapped cashback on all your business spend. T&Cs apply.
Representative example: When you spend £1,200 at a purchase rate of 27.5% (variable) p.a., your representative rate is 27.5% APR (variable).
Capital on Tap Business Credit Card (+optional Business Rewards)
4.0
★★★★★
★★★★★
Expert analysis
10,000 points
1 point per £1 spent
£99 per annum
35.15% APR (variable)
Go to site
Earn points on all card spend. Points can be redeemed for Avios or 1% cashback. 10,000 bonus points when £5,000 is spent on card in first 3 months.
Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.15% APR (variable). Optional upgrade to Business Rewards (£99 per year).
Barclaycard Select Charge Card
3.5
★★★★★
★★★★★
Expert analysis
N/A
N/A
£42 per annum
3.6% APR (variable)
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Access exclusive offers through Barclaycard business rewards. Including, but not limited to, exclusive pre-sale tickets plus discounts on hotel bookings, dining out and car hire. Terms apply.
British Airways American Express® Accelerating Business Card
4.0
★★★★★
★★★★★
Expert analysis
30,000 points
1.5 points per £1 spent
£250 per annum
108.4% APR (variable)
Go to site
Earn 1.5 Avios for every eligible £1 spent on purchases. Plus, for every £20,000 spent on the card, receive another 10,000 bonus Avios points, up to 3 times per year. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 28.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 108.4% APR (variable).
American Express Business Gold Card
4.0
★★★★★
★★★★★
Expert analysis
20,000 points
1 point per £1 spent
Year 1 - £0, Year 2 onwards - £195
N/A (this product is a charge card).
Go to site
Earn 20,000 bonus Membership Rewards® points when you spend £3,000 in the first 3 months. Terms apply.
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Approval for any credit card depends on your status. The representative APRs shown represent 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. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Repayment options

You can make manual repayments through American Express's app by logging in to your online banking or over the phone (0800 917 8043). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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 settled on the British Airways American Express® Accelerating Business Card, you can head over to American Express's secure online application to apply. Don't forget, you'll need to be over 18 and a UK resident to apply.

Customer support

To contact customer support for the British Airways American Express® Accelerating Business Card, ring 0800 917 8043.

Frequently asked questions

What credit limit will I get with the British Airways American Express® Accelerating Business Card?

If American Express offers you this deal, it will specify a tailored credit limit based on American Express's assessment of your situation and your business. The minimum limit offered on this card is £1,000, and American Express does not specify a maximum. Once you've had the card for a while and shown American Express you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the British Airways American Express® Accelerating Business Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the British Airways American Express® Accelerating Business Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250 and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 33.7% (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use the British Airways American Express® Accelerating Business Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£170.79), it'll cost you around £5.11 in fees.

Can I get additional British Airways American Express® Accelerating Business Cards for my team?

Yes, you can request up to 20 more. There's no fee for additional cards. Plus, with additional cards, you could earn avios at a faster rate.

Finder credit card scores

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

Our experts score business credit and charge cards to determine their value against similar products on the market. We look at a number of important factors, like the flexibility it offers, any rewards you can earn through company spending, account management tools, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria 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. Most of the data in Finder's comparison tables is provided by Moneyfacts.
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