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American Express announces positive changes to British Airways Accelerating Business Credit Card

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American Express® has announced some changes today to the British Airways Accelerating Business Credit Card which is aimed at sole traders and small businesses.

Overall the changes look positive and American Express appears to have come up with a good package.

Let’s take a look at the Card and what has changed. The changes do not take effect until 1st September 2021 and will not be reflected on the American Express website until then.

British Airways Accelerating Business American Express card

What is the British Airways Accelerating Business Credit Card?

In 2019, American Express launched a new British Airways Credit Card for SME’s – the British Airways American Express Accelerating Business Credit Card (which I will now call “BA Amex Business” for short). 

The sign-up bonus and the annual spend bonus consisted of On Business Points, which are part of the British Airways small business loyalty scheme, whilst day to day spending on the Card earned Avios. The new package is easier to understand.

The day to day earning rate is improving

There are two ways to earn points with the BA Amex Business Card on day to day spend, with flight purchases at British Airways attracting an extra bonus.

From 1st September:

  • You earn 1.5 Avios for every £1 you spend on the Card, plus
  • You earn an additional 1 On Business Point for every eligible £1 you spend with British Airways, on top of your standard On Business earning rate (1 point per £1 for Tier 1 members)

On Business is the British Airways loyalty scheme for small businesses.  If you are not a member, please read our full review of British Airways On Business here. The On Business redemption chart, which British Airways does not make public, can be found in this HfP article.

What has changed is the additional bonus you receive when you purchase British Airways flight tickets. This increases from an extra 0.5 On Business Points per eligible £1 to 1 On Business Point.

British Airways Accelerating Business credit card changes

The annual spend bonus is improving

The British Airways Accelerating Business Credit Card has always had an annual spend bonus, but from September this is improving. You used to receive 3,000 bonus On Business Points if you spent £20,000 on the Card during your membership year.

The annual bonus will now be paid as Avios.

You will receive 10,000 bonus Avios for every £20,000 of qualifying purchases you make on the Card.

You can earn this bonus up to three times per calendar year, meaning a maximum annual bonus of 30,000 Avios.

This means that, if you spent exactly £20,000 or £40,000 or £60,000 on the Card, you would be earning an average of 2 Avios per £1. No other card, either from American Express or elsewhere, can match this.

What happens to your 2021 annual spend bonus?

American Express will be in touch to explain how your Card will transition to the new benefits, in particular the change in the annual spending bonus.

From 1st September, spend by existing Cardmembers will count towards the new ‘10,000 bonus Avios each time you spend £20,000’ bonus. This is driven by calendar year, so you will need to reach £20,000 by 31st December 2021 when your accumulated spend total will reset.

Existing Cardmembers will also remain eligible for the existing annual bonus of 3,000 On Business Points as long as you hit the £20,000 spend target by 31st December 2021.

Is the annual fee changing?

The annual fee for BA Amex Business will be £250 from 1st September. This will apply from your next renewal date for existing Cardmembers.

The Card has a representative APR of 96.7% variable, including the annual fee, based on an assumed credit limit of £1200. The purchase rate is 22.2% p.a. variable.

What is happening to the sign up bonus?

Whilst not relevant for existing Cardmembers, I am told by American Express that the sign-up bonus will switch from On Business Points to Avios from September.

We will write more about this nearer the time when more details are available.


These changes to the BA Amex Business Card represent a welcome simplification and improvement to the overall package.

This is especially true if you can trigger annual spend bonuses for spending £20,000+ on the Card each year, and have substantial British Airways spending which will benefit from earning bonus On Business Points.

Cardmembers will receive full details of these changes from American Express over the next few days, with the changes taking effect from 1st September. The sign-up bonus for new applicants will change at that time.

You can learn more about the Card on the British Airways Accelerating Business website although the new benefits package is not reflected there.

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 is authorised and regulated by the Financial Conduct Authority.

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

Comments (14)

  • Freddy says:

    Nice earn rate on the 20k multiples….but at a loss on the dual earning of onbusiness points. Would rather accumulate one pot of avios

  • Save East Coast Rewards says:

    How does supplementary cardholders work on a business card? Do they get their own Avios or is it like on a personal Amex the main cardholder gets all the points?

    I’ve never looked into this product before but I thought the reason all the bonuses were paid as On Business points is because On Business points belong to the company but Avios belong to the individual.

  • Nick says:

    Nice improvement, but note this is a 20% increase in the annual fee – quite a massive point to miss out!

  • Holly says:

    Slightly off subject but is anyone having difficulty in getting their 50K bonus Avios from targeted emails in May when opening an account? Amex say BA add it to your account/ BA say Amex add it to your account !

    • Rob says:

      Amex knows the problem and they know it is their fault.

    • LessCleverAndrew says:

      Same here. I feel like a ping pong ball.
      I wonder – launch an offer if you have no (IT) means of fulfilling it? This is something I expect in a third world country. Clearly Amex is not worried about annoying a small population of customers. I am going to wait another month and then close that account and demand my £250 back since it was part and parcel of the offer.

      • Holly says:

        Update: I have spoken again with Amex today who have now agreed there is a tech error on their part with this bonus being added. A case has been set up and I am getting a call back on Monday.

        • Rob says:

          I’ve also spoken to Amex today. They have confirmed that the Avios will be issued by 8th October, as per the terms and conditions of the offer, and that people should sit tight until then. They are aware of the line being put out by the call centre which I am told is not correct.

  • memesweeper says:

    “You will receive 10,000 bonus Avios for every £20,000 of qualifying purchases you make on the Card”

    If I sign up *before* 1 Sept do I only get the old annual bonus of OB points, or does it switch over in Sept?

    Do we still get 2,200 On Business Points sign up bonus for spending £3,000 in the first three months of Cardmembership?

    I’ve been meaning to sign up for this again and need to decide if I’m going to hold off or jump in now.

    • Rob says:

      Sign up now and:

      a) until 1st Sep, your spend only counts towards the annual OB bonus
      b) from 1st Sep to 31st Dec, your spend counts towards BOTH the current annual OB bonus and the ’10k Avios for spending £20k’
      c) from 1st Jan 2022, your spend only counts towards the ’10k Avios for spending £20k’ bonus

      You get the OB sign-up bonus if you apply before 1st September.

  • JD says:

    A couple of personal points on this card which I’ve had for almost a year. The annual bonus tracker has been stuck on 8k for months, I’ve now spent over 20k, and despite calls to Amex and being informed they would “investigate” nothing appears to have changed. Additionally, does anyone know when OB points should be added for BA spend on the card. I’ve put through 2 flights (both completed) on this card this year and can’t see any sign of the OB point being added to my account.

  • VinZ says:

    any changes coming to the BA corporate card too???

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