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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

British Airways American Express® Accelerating Business Card

Earn 2,200 On Business Points if you are approved and spend £3,000 in the first six months of Cardmembership.1
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  • Representative Example
  • Representative APR:
    80.3% APR variable16
  • Annual Fee:
    £21015
  • Credit Limit:Assumed credit limit of £1,200
  • Purchase Rate:22.2% p.a. variable
    Your interest rates will change in line with the Bank of England base rate. Please click here for more information.
  • Take your business further:The only business Credit Card that lets you earn accelerated On Business Points and Avios.

Key Benefits

TWO REWARD CURRENCIES, TWO ACCELERATED EARN RATES

Earn 1.5 On Business Points for every eligible £1 spent with British Airways and 1.5 Avios for every eligible £1 spent2 on your Credit Card3

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.5

WORLDWIDE SUPPORT AND PROTECTION

Business or pleasure - rely on our 24/7 Global Assist® phone line6, emergency Card replacement service and comprehensive Travel Insurance protection11.

Cashflow management and flexibility

The British Airways American Express Accelerating Business Card makes it easier to manage your business expenses and rewards you and your business faster.
The British Airways American Express Accelerating Business Card makes it easier to manage your business expenses and rewards you and your business faster.

Increase your cashflow

Increase your cashflow

  • Making business payments on your business Credit Card gives you access to up to 56 calendar days interest free (when you pay your balance in full).5

Benefit from payment flexibility

Benefit from payment flexibility

  • Your Card offers payment flexibility on your forthcoming purchases. You can choose to pay your full balance, or pay over time with interest – you decide how to support the cashflow for your business. Terms apply.

Drive efficiencies with payment consolidation

Drive efficiencies 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 Supplementary 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.
  • You can also use the Card to cover any kind of expenses or payments to support your business needs.

Get complimentary Supplementary Cards

Get complimentary Supplementary Cards

  • You can have up to 99 complimentary Supplementary Cards for your employees, so you can consolidate all business expenses and manage the spend under one Business Card Account easily7. This can also help build up your Avios8 and On Business Points9 balances faster, which you can reinvest in future business travel.

Compare our Business Cards

REPRESENTATIVE EXAMPLE
Representative APR: 80.3% APR variable16

Annual fee: £210
15

Credit limit: Assumed credit limit of £1,200


Purchase rate: 22.2% p.a. variable.
ANNUAL FEE
£595
ANNUAL FEE
£125
WELCOME OFFER
Earn 2,200 On Business Points if you are approved and spend £3,000 in the first six months of Cardmembership.1
WELCOME OFFER
Earn 40,000 bonus Membership Rewards® points if you are approved and spend £6,000 in the first six months of Cardmembership1 - enough for two business class return flights from London to Berlin Terms, taxes, fees and charges apply.
WELCOME OFFER
Earn 20,000 bonus Membership Rewards® points if you are approved and spend £3,000 in the first six months of Cardmembership2 - enough for two economy return flights from London to selected European destinations such as Berlin
CARD OVERVIEW
Exclusively for Businesses. The Credit Card with travel rewards for choice and flexibility.
CARD OVERVIEW
Exclusively for Businesses, the Card with premium travel benefits and rewards.
CARD OVERVIEW
Exclusively for Businesses, you could turn business purchases into rewards and keep your cashflow, flowing.
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Accelerated rewards

The British Airways American Express Accelerating Business Card gives you the best of both worlds - with On Business Points and Avios to take you and your business further.
    • Earn 1.5 On Business Points for every eligible £1 spent with British Airways3 to book business travel flexibly across the British Airways, Iberia, and American Airlines networks.9
    • Earn 2,200 On Business Points when you spend £3,000 in your first six months of Cardmembership1, enough to fly one of your employees to Europe and back.
    • Earn an extra 3,000 On Business Points annually when you spend £20,000 or more by your Card anniversary.4
    • Earn 1.5 Avios on every eligible £1 spent on your Card2 which can be used to book reward flights and cabin upgrades with British Airways, and other airline partners. It doesn't stop there, you can choose to part-pay a flight fare in Avios8 or book hotel stays, car hires and more.
    • There is no limit to the On Business Points and Avios you could earn with your Credit Card, as long as your account is open and in good standing.

    Benefits of On Business Points

    On Business is the British Airways complimentary loyalty programme for businesses designed with travel savings and flexibility in mind.
    On Business is the British Airways complimentary loyalty programme for businesses designed with travel savings and flexibility in mind.

    For when you need to book that last minute business trip

    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.9
    • With set redemption rates all year round, be reassured there'll be no surprises or penalties for late travel plans.

    For when you need face to face business meetings around the world

    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 where ever 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.9

    For when your business travel plans need to change

    For when your business travel plans need to change

    On Business supports you when you need flexibility 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 fees9. Taking away the worry for when things need to change.

    For when your employees need to travel

    For when your employees need to travel

    All of your On Business Points are stored in one central company account, giving you total visibility and control over how you choose to use them for your business.
    • You can use the points for any individual, who is linked to your business without the need to transfer points.9
    • When you nominate an administrator, they will have access to the On Business online Dashboard. This centralises the management of your travel bookings, freeing up your time.
    • Plus, by consolidating your business spend from Supplementary Cardmembers, all On Business Points earned will go into your company account, meaning you are able to accumulate points faster.

    American Express Experiences

    Whether it's entertaining clients, rewarding your employees, or treating yourself, make it a memorable experience with American Express Experiences.

    The Card gives you access to purchase tickets to some of the most in-demand music, film and theatre events in town, often before they go on sale to the general public.
    12

      World Class Service

      World Class Service

      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.
      • Our global customer service team is here to help 24/7 - wherever you are in the world, whatever the time of day.
      • Global Assist®- If you’re away on business anywhere in the world and run into trouble, assistance is just a phone call away, 24/7.6
      • Emergency Card Replacement - No matter where your business takes you, if you report your Card lost, damaged or stolen, we'll help you replace it.

      Online & Mobile Account Management

      Online & Mobile Account Management

      Through our award winning iPhone or Android mobile apps or simply online, you can get access to your Card account to manage your business account such as checking your balances and available credit, making payments and viewing statements anytime, anywhere even on the go.10
      • You can also view your Card transactions as well as any activity on Supplementary Cards.
      • Our Rewards Summary page provides you oversight of what Avios8 you’ve earned with your account and when they’ve been transferred to British Airways.

      Insurance and Protection

      Travel Accident Protection

      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.11

      Travel Inconvenience

      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).11
      • Up to an additional £400 (overbookings only) if alternative arrangements are not made within 6 hours.11
      • £750 for baggage delayed by an airline for 6 hours or more (£1,000 if a British Airways flight).11
      • Up to an additional £1,000 for extended baggage delay by an airline (£1,250 if a British Airways flight).11

      Purchase Protection

      Purchase Protection
      If you buy an item on your Credit 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.11

      Refund Protection

      Refund Protection
      Eligible items you buy in the UK for your business with your Credit Card are covered up to 90 days. You will be insured to replace or refund up to a maximum of £300 if a retailer won’t.11

      Fraud Guarantee

      Fraud Guarantee
      If you don’t recognise a purchase, let us know and we’ll remove it from your Account immediately and investigate for you.11

      Am I Eligible?

      To save time before applying for the Card, it’s best to make sure you can say yes to the following:
        • The business has a current UK Bank or Building Society account
        • You/The business have/has no County Court Judgements for non-payment of debt
        • You are aged 18 or over
        • You have a permanent UK home address
        • You will pay the annual Cardmembership fee of £210
        • 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. (Visit ba.com/onbusiness for criteria)

        Work for a large business or Corporation?

        LEARN MORE ABOUT OUR CORPORATE CARDS & PROGRAMMES

        Terms & Conditions

        Terms & Conditions
        Please ensure that you have read and downloaded these important documents before starting your application.
          • American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board
          • 1. The 2,200 bonus On Business Points will be awarded once you have been approved and you have spent and charged a minimum of £3,000 on goods and services to the Account within six months of Account opening. 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, are not eligible towards the bonus. Your account must be in good standing at the time of earning the bonus. All introductory offers are subject to change and can be withdrawn at any time. On Business Points are issued and redeemed subject to On Business Programme terms and conditions.
          • 2. 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.
          • 3. 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.
          • 4. The 3,000 bonus On Business Points will be awarded once you have spent and charged a minimum of £20,000 by the Card Anniversary of your primary Card. 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, are not eligible towards the bonus. Your account must be in good standing at the time of earning the bonus. On Business Points are issued and redeemed subject to On Business Programme terms and conditions.
          • 5. 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. 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.
          • 7. 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, main Account holders receive up to 99 complimentary Supplementary Cards.
          • 9. 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.
          • 10. American Express Mobile App terms and conditions apply. Apple, the Apple logo, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution Licence.
          • 11. 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.
          • 12. Cardmembers can enjoy access to a wide range of sought after events, often before they go on general sale. Tell me more.
          • 13. 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.
          • 14. 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.
          • 15. Annual Fees
          • 15.1 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.
          • 15.2 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.
          • 15.3 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.
          • 16. Rates can vary for several reasons. Your purchase and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. For more information click here. Rates may also vary based on your individual circumstances, either when you apply for a product or afterwards.
          • Applicants must be UK residents, aged 18 or over. Approval is subject to status and terms and conditions apply.
          • 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.
          British Airways American Express Accelerating Business Card
          British Airways American Express® Accelerating Business Card