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
3.8
★★★★★
Finder score
Representative example:
When you spend £1,200 at a purchase rate of 28.2% (variable) p.a. with a fee of £250 per annum, your representative rate is 107.8% 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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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 28.2% 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 107.8%
Annual/monthly fees £250 per annum
Balance transfers 28.2%
Balance transfer fee 3%
Purchases 28.2%
Purchases interest-free period Up to 56 days
Money transfers 28.2%
Cash advances 28.2%
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. Terms apply.
Incentive
Earn 30,000 bonus Avios points when you spend £5,000 in first 3 months of Cardmembership. Terms apply.
Potential costs 3.4 ★★★★★
Doing its job 3.7 ★★★★★
Extras 5.0 ★★★★★
Overall Finder Score 3.8 ★★★★★

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
1 - 6 of 34
Name Product UKCCF Finder Score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
CASHBACK
Funding Circle Business Cashback Card
4.2
★★★★★
34.9%
£0
1% uncapped cashback*
34.9% APR (variable)
Go to siteCard details
Earn 2% cashback up to £2000 for 6 months, 1% after that. T&Cs apply.
Representative Example: The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)
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CASHBACK
Capital on Tap Business Credit Card
4.2
★★★★★
36.19%
£0
1 point per £1 spent
36.19% APR (variable)
Go to siteCard details
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 36.19% (variable) p.a., your representative rate is 36.19% APR (variable).
Funding Circle FlexiPay Business Credit Card
3.9
★★★★★
0% interest, flat fee per transaction
£0
N/A
33.4% APR (variable)
Go to siteCard details
0% interest, no annual fees, spread payments over 1, 3, 6, 9 or 12 months.
Representative example: If you spend £1,200 with a fee of 4.9%, your representative rate is 33.4% APR.
CASHBACK
Moss Business Cashback Card
3.5
★★★★★
N/A (this product is a charge card).
Subject to plan
2% cashback
N/A (this product is a charge card).
Go to siteCard details
2% cashback for eligible customers, capped at the platform fee.
CASHBACK
Barclaycard Payments Select Cashback Business Credit Card
3.7
★★★★★
27.1%
£0
1% cashback uncapped*
27.1% APR (variable)
Go to siteCard details
Get 1% cashback uncapped on all your business spend when you spend at least £2,000 per statement month. T&Cs apply*
Representative example: When you spend £1,200 at a purchase rate of 27.1% (variable) p.a., your representative rate is 27.1% APR (variable).
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CASHBACK
Capital on Tap Business Rewards Credit Card
4.2
★★★★★
36.19%
£99 per annum
1 point per £1 spent
59.15% APR (variable)
Go to siteCard details
Representative example: When you spend £1,200 at a purchase rate of 36.19% (variable) p.a., your representative rate is 59.15% APR (variable). Optional upgrade to Business Rewards (£99 per year).
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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

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 has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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