Maximise your Avios, air miles and hotel points

Your guide to the BA ‘On Business’ SME loyalty programme and BA Amex Business Card (Pt 2)

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This article is an advertisement feature by American Express

American Express has just relaunched the British Airways American Express® Accelerating Business Credit Card. This is the dedicated British Airways credit card for sole traders and small businesses.

For a limited time, the BA Amex Business Card comes with a huge sign-up bonus of 60,000 Avios. You need £5,000 of qualifying spend in the first three months to receive the bonus. No end date for the offer has been given although it may be withdrawn by American Express at any time.

You can also earn up to 30,000 bonus Avios per calendar year if you spend £60,000 (an average of £5,000 per month) on the Card. You also earn bonus On Business Points when you buy qualifying British Airways flights on the Card.

You can find out more about the card, and apply, here.

As this offer has raised interest in the British Airways On Business loyalty programme, I thought I would look at it again. Part 1 of our British Airways On Business review is here and was published yesterday. Part 2 is below.

British Airways On Business promo code

The On Business sign-up page is here.  If you are signing up, you will qualify for a special sign-up bonus of triple points for your first six one-way flights within 12 months of joining.

If you say on your application form that you were referred by member OB10171896 then you receive 1,500 bonus On Business points after crediting your first flight.  (And so do I, so thank you.)

Today I want to look at whether it is worth redeeming for flight upgrades, and how to earn more points with credit and charge cards.

Redeeming On Business Points for upgrades

The reward chart for upgrading flights using On Business Points is not published, but there are some examples below.  

British Airways tickets issued by travel agents can be upgraded with On Business Points, as can American Airlines and Iberia flights in certain scenarios.

Upgrades are potentially more attractive than outright redemptions which I discussed in Part 1 of our On Business review.  Almost all Economy tickets can now be upgraded with On Business Points.  ALL Club World seats are upgradeable.

Upgrades start at 5,000 On Business Points long-haul for World Traveller to World Traveller Plus, from 10,500 for World Traveller Plus to Club World and from 7,000 On Business Points for Club World to First.   These are one-way prices.  Remember that On Business availability is better than Avios availability so you have a decent chance of being able to upgrade if you wish.

As an example:

  • Hamburg – Euro Traveller to Club Europe – 4,100 On Business Points each way
  • Dubai – World Traveller to World Traveller Plus – 6,000 On Business Points each way
  • New York – World Traveller Plus to Club World – 13,000 On Business Points each way
  • Tokyo – Club World to First Class – 10,000 On Business Points each way

These prices are generous for First Class upgrades and this may be the sweet spot of the entire programme.

british airways accelerating business credit card

Boosting your Avios and On Business Points with the Credit Card

There are two ways of earning On Business Points via credit card spend.  Following the launch of the British Airways American Express® Accelerating Business Card in 2019, there is now an option for smaller businesses.

Earning Points with the BA Amex Business Card:

American Express launched the British Airways American Express Accelerating Business Credit Card in 2019. In September 2021 it received an impressive overhaul with a huge 60,000 Avios sign up bonus.

You can receive the 60,000 Avios sign-up bonus on this card even if you have a personal British Airways American Express Card. The only rule is that you have not had another American Express Business Card in the previous 12 months.

Our full review of British Airways American Express Accelerating Business Card is here. In summary:

  • For a limited period, you get 60,000 Avios as a sign-up bonus when you make £5,000 of qualifying spend within 90 days
  • You earn 1.5 Avios per £1 spent
  • You earn 10,000 bonus Avios when you spend £20,000, £40,000 and £60,000 in a calendar year, up to 30,000 Avios in total.
  • You earn one bonus On Business Point for every £1 spent on qualifying British Airways flight purchases when you pay for them using the card

If your company spends a lot of money on British Airways flights, the additional On Business Points might work well.  

We assume that 1 On Business Point is worth 4 Avios (I discussed why in Part 1 of this BA On Business review) and 1 Avios is worth 1p which is our HfP valuation. This means you are getting back an extra 4% of your British Airways expenditure from the additional 1 On Business Point per £1 spent.

You can apply here.

Earning points with a Corporate Charge Card:

If you have a large (ie multi-million £ turnover) company, American Express issues two British Airways Corporate Charge Cards.

(NB: the link only works if you are logged out of your On Business account)

The details are here.  The earn rate on the Corporate Cards is identical to the personal British Airways Amex Cards: 1 Avios per £1 spent on the Classic Card and 1.5 Avios per £1 spent or 3 Avios per £1 with British Airways on the Corporate Plus Card.

The Corporate Plus Card also has an annual bonus of 2,500 On Business Points when you spend £25,000 or more a year.

British Airways On Business review


If you run your own business, you should have a British Airways On Business account and be earning On Business Points alongside Avios.

You may never earn enough points for a long haul business class flight due to the expiration policy, but a couple of free (taxes and charges apply) short haul flights are always worth having.

If you are a member of On Business, you should take a serious look at the British Airways American Express Accelerating Business Credit Card whilst the sign-up bonus remains at 60,000 Avios.

Our full review of the BA Amex Business Card is here and you can apply here.

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 (5)

  • Nick says:

    It’s a shame that BA On Business don’t still have the original redemption possibilities with Marriott Hotels, whereby you could purchase ‘free’ night reward certificates. That used to be the easiest, and cheapest way to use up some spare points before expiration, but sadly that ended some time ago now.

  • Benjamin says:

    Can one recommend a friend for the BA Amex business card and get some points for recommending?

  • Iain says:

    I have a BA On business Card plus a BA Platinum. Can me wife apply for a BA On business card from another company of which we are both Directors and give me an employee card so that I can max the spend and points?

  • Tim says:

    I applied. I have a regular BA Black AMEX with a high credit limit. I needed a card for a member of staff for overseas travel and this fitted the bill. When the cards arrived they only came with a £1,500 credit limit which was useless. On querying they said my credit limit was too high and I’d have to wait for 3 months. All balances cleared every month. So I cancelled it. Waste of my time.

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