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Important Note on Welcome Bonus Offers
Due to the impact of COVID-19, for all eligible Consumer and Small Business Cards we are extending the welcome bonus offer period from three (3) months to six (6) months to allow Cardmembers more time to achieve their spend threshold. Visit our webpage for more details

Business Charge and Credit Cards

Compare features and benefits of different Business Credit and Charge Cards from American Express and find the Card that best suits your business.

Benefits for almost every company

Whatever you do, using an American Express Business Card could benefit your business - widely accepted in many industries including: dental, construction, veterinary, plumbing and electrical, retail, restaurant, automotive, optical, pharmaceutical, travel, and consultancy, to name but a few. So whether you’re paying for business travel, parking, office supplies, equipment, business registration or advertising, you could be earning rewards by putting your business expenses on an American Express Business Card.

    Why American Express® Business Cards?

    GET MORE FROM YOUR BUSINESS EXPENSES

    Make your business spend more rewarding by earning Membership Rewards points, On Business Points or Avios – depending on the Card you hold.

    REINVEST IN YOUR BUSINESS OR EMPLOYEES

    Use your points to redeem for a variety of rewards or travel upgrades for those people going above and beyond for your business.

    GET THERE FASTER WITH SUPPLEMENTARY CARDS

    All of your Supplementary Cards earn rewards for your Account, helping you build your balance faster.
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    Why American Express?

    MANAGE BUSINESS CASHFLOW

    With up to 56 days payment period, you have the flexibility to optimise your purchasing power and cashflow by paying us later5.

    HELPING YOU GET BUSINESS DONE

    American Express provides the tools to manage your business spend anytime, anywhere on the American Express App or through your Online Account.

    WORLD CLASS SERVICE

    Running your business could be made easier with a great range of resources designed to help you maintain control of your business expenses, while also helping to provide some peace of mind.
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    Work for a large business or Corporation?

    LEARN MORE ABOUT OUR CORPORATE CARDS & PROGRAMMES

    Terms & Conditions

    Terms & Conditions
    Please ensure that have read and downloaded these important documents before starting your application.
    • 1. Membership Rewards points are earned on every full £1 spent and charged, per transaction. Membership Rewards points are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds. Visit membershiprewards.co.uk/terms for full Membership Rewards Terms and Conditions.
    • 2. The Primary Platinum Business Cardmember and the first Supplementary Platinum Cardmember are eligible for part of the American Express Global Lounge Collection and will be enrolled automatically. In order to access over 500+ lounges in the Priority Pass programme, the Cardmember must present a valid Priority Pass membership card in their name, along with a boarding pass for same day travel. The Primary Platinum Business and supplementary Platinum Business Cardmembers who are enrolled to the programme can each bring 1 additional guest free of charge.Any additional guests will be charged a fee at the prevailing rate – currently £20 per person, per visit, to his or her American Express Platinum Card. Subsequent years’ renewal terms and conditions are at the discretion of Priority Pass. For Priority Pass Conditions of Use visit prioritypass.com. The Cardmember agrees to abide by the Conditions of Use, as detailed at prioritypass.com.

      The Centurion Lounge


      Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum Card account are not eligible for complimentary access. Card Members may bring up to two (2) companions into The Centurion Lounge. To access The Centurion Lounge, the Card Member must present The Centurion Lounge agent with the following upon each visit: his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Card Members will not be compensated for changes in locations, rates or policies. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Card Member must be of legal drinking age in the location's jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. ©2018 American Express Travel Related Services Company, Inc. All rights reserved.


      American Express International Lounges


      Business Platinum Card Members have unlimited complimentary access to American Express Lounge locations. Guest access policies vary by location and are subject to change. Fees may apply for additional guests. To access American Express Lounges, the Business Platinum Card Member must present the agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Business Platinum Card Members will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behavior or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change. In some Lounges the Business Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Age restrictions for the service of alcohol also vary between Lounges. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to the local rules and conditions set by American Express and the Lounge operator. American Express and the Lounge operator reserve the right to revise the rules at any time without notice. For details of individual American Express lounge access requirements please visit
      americanexpress.com/findalounge

      Delta Sky Club


      The Business Platinum Card Member must present his or her valid American Express Card, government-issued I.D., and same-day corresponding airline ticket to club ambassador. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Card Members must adhere to all House Rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs.For the most current Delta Sky Club access and pricing policy, please visit
      delta.com/skyclub. All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub.

      Escape Lounges


      This benefit is available to Business Platinum Card Members. Card Members receive complimentary access to any US location of the Escape Lounges. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) companions into Escape Lounges as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and his or her guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change.
    • 3. No pre-set spending limit does not mean unlimited spending. Purchasing power can adjust with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. We reserve the right to apply temporary spending limits in accordance with the Cardmember Agreement.
    • 4. Annual Fees

      4.1 Business Platinum Card: a £595 annual Card fee will automatically be charged to your account on or after the anniversary of your account opening date.


      4.2 Business Gold Card: The first year’s Cardmembership is complimentary and from year two of your membership, a £125 annual Card fee will automatically be charged to your Account on or after the anniversary of your Account opening date.


      4.3 BA Accelerating Business Card: a £210 annual Card fee will automatically be charged to your account on or after the anniversary of your account opening date.


      Applicants must be UK residents, aged 18 or over. Approval is subject to status and terms and conditions apply.
    • 5. Payment Period

      5.1 Business Platinum and Business Gold Card: the maximum payment period on purchases is 54 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date.


      5.2 Business Basic Card: the maximum payment period on purchases is 42 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date.


      5.3 BA Accelerating Business Card: The maximum amount of time for interest free payment on purchases is 56 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date. If you only make a minimum payment every month, then interest rates will apply, and it will take you longer to pay off your balance.
    • 6. Supplementary Cards

      Subject to application and approval. Supplementary Cards are issued under and subject to the Terms and Conditions of your existing Cardmember Agreement, and as the main Cardmember, you will be responsible for paying all charges on any Supplementary Cards which are added to your Account. Supplementary Cardmembers must be aged 18 or over. As part of the annual fee, BA Accelerating Business Account holders and Business Gold Account holders can request up to 99 complimentary Supplementary Cards, while Business Platinum Account holders can request for one complimentary Business Platinum Supplementary Card and up to 98 complimentary Business Gold Supplementary Cards where additional Platinum Supplementary Cards are available for £295.
    • 7. Enrolment is required to receive programme benefits. Individual benefits vary by partner and are subject to availability. Please refer to each partner’s Terms and Conditions. American Express reserves the right to instruct partners to cancel your membership if you cease to be a Platinum Cardmember or your Account is not in good standing. Benefits are subject to availability. Call Platinum Concierge for details of each partner’s Terms and Conditions. Hotel Loyalty programme benefits may not be combined with the Fine Hotels & Resorts programme.
    • 8. Global Assist services are included without a fee; however, cash advances, medical, shipping and other costs are charged to your designated Card. Your approval will be sought prior to incurring any costs.
    • 9. Subject to enrolment, for more information click here. Terms and conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.

      Business Gold Card

      Business Platinum Card

      BA Accelerating Business Card
    • 10. Find out more about Avios, the British Airways Executive Club and its terms and conditions at ba.com/executiveclub
    • 11. Find out more about the On Business programme, the booking process, and terms and conditions on ba.com/onbusiness. Flights can be redeemed on British Airways, Iberia and American Airlines; cabin upgrades can be redeemed on British Airways and Iberia flights. On Business flights and cabin upgrades are subject to applicable taxes, fees, carrier charges and surcharges.
    • 12. If you are approved and spend £6,000 on purchases on the Account within the first six months of Cardmembership, 40,000 bonus Membership Rewards points will be awarded shortly after the end of the six months. Business Gold or Business Platinum Cardmembers who are enrolled or have been enrolled in the Membership Rewards Programme in the last six months, are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time.
    • 13. If you are approved and spend £3,000 on purchases on the Account within the first six months of Cardmembership, 20,000 bonus Membership Rewards points will be awarded shortly after the end of the six months. Business Gold or Business Platinum Cardmembers who are enrolled or have been enrolled in the Membership Rewards Programme in the last six months, are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time.
    • 14. You will be awarded 1.5 Avios for every eligible £1 spent and charged per transaction. Avios are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of prepaid cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds or other types of credit. Please refer to full benefit terms and conditions associated with your Card Account for all eligibility criteria. Avios are issued and redeemed subject to British Airways Executive Club terms and conditions and will be reflected on your British Airways Executive Club account.
    • 15. Your Company will earn an incremental 50% more On Business Points on the base On Business earn for British Airways flights purchased on the Card. For illustrative purposes, you would earn 1.5 On Business Points for every eligible £1 spent directly with British Airways for eligible flights purchased with this Card Account. Of this, 0.5 On Business Points compose the Amex Accelerator, the remainder being your base On Business Point earn. Please refer to full benefit terms and conditions associated with your Card Account for all benefit eligibility criteria. On Business Points are issued and redeemed subject to On Business Programme terms and conditions.

      American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.