How You Earn
1.5X
Avios
On purchases
for every £1 spent. Please note from 7 Oct 2026, Avios earn rate is changing to 1.25 Avios for every eligible £1 spent.
2X
On Business Points
On purchases
for every £1 spent with British Airways. Please note from 7 Oct 2026, you will not earn On Business points.
30,000
Avios
Per Calendar Year
For every £20,000 you spend, get 10,000 bonus Avios. Up to 3 times each calender year
How You Earn
1.5X
Avios
On purchases
for every £1 spent. Please note from 7 Oct 2026, Avios earn rate is changing to 1.25 Avios for every eligible £1 spent.
2X
On Business Points
On purchases
for every £1 spent with British Airways. Please note from 7 Oct 2026, you will not earn On Business points.
30,000
Avios
Per Calendar Year
For every £20,000 you spend, get 10,000 bonus Avios. Up to 3 times each calender year
Key Benefits
Two Reward Currencies, Two Accelerated Earn Rates
Earn 1.5 Avios for every £1 spent on everyday purchases on your Credit Card, plus earn double On Business Points with British Airways. Please note from 7 Oct 2026, Avios earn rate is changing to 1.25 Avios for every eligible £1 spent and you will not earn On Business points.
Get up to 30,000 bonus Avios annually
Be rewarded every calendar year with a tiered Avios annual bonus. For every £20,000 spent on the Card, receive 10,000 bonus Avios, up to 3 times each year.
Flexible Cashflow Management
Your Credit Card gives you access to up to 56 calendar days interest free (when you pay your balance in full) or the choice to pay over time with interest.
World Support and Protection
Business or pleasure - rely on our 24/7 Global Assist® phone line, emergency Card replacement service and Travel Insurance protection.
Plan ItTM – Instalment Plans from American Express
Spread the cost of your purchases of £100 or more into monthly instalments with a fixed fee.
- No additional application or extra credit checks required
- A fixed monthly fee is shown upfront, with no interest charged on your instalment plan balance
- Earn rewards on the purchases the way you usually do
Learn more by visiting here.
All Benefits
Increase your cashflow
Have access to up to 56 calendar days without interest (when you pay your balance in full) or the choice to pay over time with interest. Make your Card work as hard as you do and flex your cashflow as you need it.
Benefit from payment flexibility
Your Card offers payment flexibility on your forthcoming purchases. You can choose to pay your balance in full, or pay over time with interest – you decide how to support the cashflow for your business. Terms apply.
Drive efficencies with payment consolidation
Your Credit Card can give you a clearer view of your business expenses. By shifting all your payments to the Credit Card, you can avoid having to track multiple direct debits, bank transfers, cheques and cash transactions.
- In your Online Account, you can see all spend (including Employee Cards) in one place.
- You can use the Credit Card to cover a whole range of business expenses from travelling to meet your suppliers or clients, to paying for your office supplies.
Get complimentary Employee Cards
You can apply for up to 20 complimentary Employee Cards for your employees so you can consolidate your business expenditure and track all spend under one business Account. Plus, spend on your Employee Cards can help build up your Avios and On Business Points. The main Cardmember will be liable for all charges made on the Employee Card(s). Please note from 7 Oct 2026, you will not earn On Business points.
The richest rewards for business spend
Earn 1.5 Avios for every £1 spent on everyday purchases on your Credit Card. Please note from 7 Oct 2026, Avios earn rate is changing to 1.25 Avios for every eligible £1 spent.
Earn double On Business Points
Exclusively with this Card you will earn 2 On Business Points for every eligible £1 spent on qualifying British Airways flights (that’s double the normal earn rate). This is in addition to your everyday Avios. Please note from 7 Oct 2026, you will not earn On Business points.
For when you need to book that last minute business trip
When a last minute booking is what you need, use your On Business Points to pay for any available seat, letting you book your next business trip up to one day before travel. With set redemption rates all year round, be reassured there'll be no surprises or penalties for late travel plans. Please note from 7 Oct 2026, you will not earn On Business points.
Please note from 7 October 2026, you will receive up to £200 in statement credits each calendar year when you book through Avios Hotels or Avios Car Hire.
For when you need face to face business meetings around the world
With On Business, you can book any available flight that matches your business schedule across British Airways, Iberia and American Airlines so that you can fly wherever your client and suppliers are.
If you're looking for that premium travel experience, you can use your On Business Points to upgrade your seat on British Airways and Iberia routes, making business travel more convenient. Please note from 7 Oct 2026, you will not earn On Business points.
For when your business travel plans need to change
On Business supports you when you need flexiblity to change your travel plans.
You may change, cancel or upgrade your flight booking outside 24 hours before departure of your first flight knowing that there will be no extra change or cancellation fees. Taking away the worry for when things need to change. Please note from 7 Oct 2026, you will not earn On Business points.
Refund Protection
Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won't refund you, we’ll replace or refund you up to a maximum of £300.
Worldwide 24-hour Customer Service with Global Assist®
If you’re away on business and run into trouble anywhere in the world, assistance is just a phone call away – in your own language, 24/7.
Purchase Protection
If you buy an item on your Card and it's stolen or damaged within 90 days, we'll replace or repair it, or refund you up to £2,500 per eligible item.
Travel Accident Protection
It is reassuring to know that wherever you are on business, your Card provides the Cardmember cover for no additional charge when your trip is booked with the Card. Cover includes £250,000 travel accident benefit when travelling on public transport on a business trip.
Emergency Business Card Replacement
No matter where your business takes you, you’ll never be stranded. Report your Card lost, damaged or stolen and we’ll help you replace it.
Travel Inconvenience
When business travel does not go to plan, your Card has you covered. For our Cardmembers, we're here to help out in situations such as flight cancellations, delays and delayed luggage when you pay with your Card, with even greater protection if flying with British Airways.
- £200 for a flight delay, overbooking or missed connection (£250 if a British Airways flight).
- Up to an additional £400 (overbookings only) if alternative arrangements are not made within 6 hours.
- £750 for baggage delayed by an airline for 6 hours or more (£1,000 if a British Airways flight).
- Up to an additional £1,000 for extended baggage delay by an airline (£1,250 if a British Airways flight).
Cashflow Management and Flexibility
Accelerated Rewards & On Business Benefits
World Class Service
Eligibility
To ensure timely completion of the application for your British Airways American Express® Accelerating Business Card, it’s best to make sure you have the following information with you before you start to apply for the Card:
- The business has a current UK Bank or Building Society account. Available to Sole Traders and Small Businesses.
- You are aged 18 or over
- You have a permanent UK home address
- You earn at least £20,000 per year
- You will pay the annual Cardmembership fee of £250
- You understand and meet the British Airways On Business requirements. To access the On Business benefits, your company must not be a travel agency, ticket brokerage firm or consolidator AND your company does not have an existing corporate incentive agreement with British Airways, Iberia or American Airlines. When enrolling into the On Business programme through this British Airways American Express Accelerating Business Card application process, there is no requirement for your business to be VAT registered.(Visit ba.com/onbusiness for criteria) Please note from 7 Oct 2026, you will not earn On Business points.
Important Information
Please ensure that you have read and downloaded these important documents before starting your application.