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How does American Express AccessLine work?

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American Express AccessLine is a payment service for companies who want to pay any supplier with a charge card to help their cash flow.  Obviously this only appeals to a small number of HfP readers who are small business owners, but we thought it was worth mentioning regardless.

Corporate card members with an American Express Corporate Green Card, American Express Corporate Gold Card or American Express Corporate Platinum Card can use this payment service (for domestic payments only).

It is basically a corporate version of Billhop, scaled up for the demands of small companies.  Amex pays your suppliers directly into their bank account and then adds the cost – plus a transaction fee, of course – to your card bill.

As well as having up to 55 days to pay the Amex bill, you will earn 1 Membership Rewards point for each eligible £1 spent.  This is clearly of appeal to our readers!

If this is of interest, the website with more information and to sign up is here.

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earns points from credit cards

Want to earn more points from credit cards? – July 2025 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

SPECIAL OFFER: Until 15th July 2025, the sign-up bonus on the Marriott Bonvoy American Express Card is TRIPLED to 60,000 Marriott Bonvoy points. This would convert into 25,000 Avios or into 40 other airline schemes. It would also get you at least £300 of Marriott hotel stays based on our 0.5p per point low-end valuation. Other T&C apply and remain unchanged. Click here for our full card review and click here to apply.

SPECIAL OFFER: Until 14th August 2025, the sign-up bonus on the Hilton Honors Plus debit card is TRIPLED to 30,000 Hilton Honors points. You will also receive Gold Elite status in Hilton Honors for as long as you hold the card. Click here for our full card review and click here to apply.

American Express Preferred Rewards Gold Credit Card

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus Card

30,000 Avios and the famous annual Companion Voucher voucher Read our full review

The Platinum Card from American Express

50,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

The American Express Business Platinum Card

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

The American Express Business Gold Card

20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review

British Airways American Express Accelerating Business Card

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Category

American Express Membership Rewards

Comments (95)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Mzungu says:
    16 Feb16 February 15:40

    OT, as this is bits – going to Delhi in a couple of weeks, and I have booked a tour with a local company. Payment is on arrival, and they take Amex. However… they have quoted in INR, but will add 5% to credit card payments in INR. No surcharge for payment in GBP.

    This seems counter-intuitive, as I would normally always opt to pay in local currency. Obviously if I pay in GBP, I will be at the mercy of their forex rate. I guess if this works out to less than 5%, I’m better off accepting that. I don’t know that there is any way to find out what their rate will be.

    Anyone any experience of anything similar? Thoughts/suggestions?

    Thanks in advance for any guidance!

    • Craig Strickland says:
      16 Feb16 February 21:52

      I’ve used it before but had negotiated that they reduce the tour cost by 5% because I said I was worried about carrying large amounts of cash. I’m in the same position in a few weeks time for the next trip.

    • Bagoly says:
      20 Feb20 February 04:06

      Dynamic Currency Conversion (where the merchant’s bank “helpfully” converts to your home currency) generally adds about 7%.
      Two hotel bars in Bangkok have tried this on me this week.
      I suspect that in this case it would be even more – they are just using the 5% surcharge to push you to suffer on the exchange rate which is less visible.
      Amex would charge you 1% spread + 3% fee.
      Unless you are chasing a spending target, I suggest you use a Visa or Mastercard with no/low exchange fees – you would be better off buying Avios from BA.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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