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British Airways American Express® Accelerating Business Card

Representative 81.6% APR variable 
Representative Example

Representative APR
81.6% APR variable
Annual fee
Based on £210
Credit Limit
Assumed credit limit of £1,200
Purchase Rate:
22.9% p.a. Variable for purchases
Product TermsRead summary box

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 spent on your Credit Card

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.

Worldwide support and protection

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

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.
  • Increase your cashflow
  • Benefit from payment flexibility
  • Drive efficencies with payment consolidation
  • Complimentary Supplementary Cards
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Accelerated rewards & On Business benefits

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.
  • 2,200 On Business Points when you spend £3,000 in your first three months of Cardmembership
  • 1.5 On Business Points for every eligible £1 spent with British Airways
  • extra 3,000 On Business Points annually when you spend £20,000 or more by your Card anniversary.
  • 1.5 Avios on every eligible £1 spent
  • no limit to the On Business Points and Avios you could earn
  • Additional On Business Points benefits
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World Class Service, Insurance and Protection

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.
  • 24/7 global customer service
  • Global Assist®
  • Emergency Card Replacement
  • Online & mobile access to your Business Card Account
  • Travel Accident Protection
  • Travel Inconvenience Protection - with additional cover when you fly British Airways.
  • Purchase Protection
  • Refund Protection
  • Fraud Guarantee
Read more
Cashflow management and flexibility
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).
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.
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 easily. This can also help build up your On Business Points and Avios balances faster, which you can reinvest in future business travel.
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 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.
Accelerated rewards & On Business benefits
Take your business further
- Earn 1.5 On Business Points for every eligible £1 spent with British Airways to book business travel flexibly across the British Airways, Iberia, and American Airlines networks.
- Earn 2,200 On Business Points when you spend £3,000 in your first three months of Cardmembership, 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.
- Earn 1.5 Avios on every eligible £1 spent on your Card 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 Avios 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.
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.
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.
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.
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.
- When you nominate an adminstrator, 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.
World Class Service, Insurance Protection
World Class Service
Our global customer service team is here to help 24/7 - wherever you are in the world, whatever the time of day.
Global Assist®
With the Global Assist® hotline you’re not on your own during international business trips. In case of an emergency while travelling outside the UK, we provide 24/7 phone service that puts you in contact with English speaking medical or legal assistance experts.
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 Access to your Business Card Account
- 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.
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.
Travel Inconvenience Protection
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).
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
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.
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.
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
  • 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)
Important Information
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
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Ready to apply?

Earn 2,200 On Business Points welcome offer.
Representative 81.6% APR variable.
The British Airways American Express® Accelerating Business Card is offered by American Express Services Europe Limited. Click here for more information
The British Airways American Express® Accelerating Business Card is offered by American Express Services Europe Limited. Click here for more information