Top UK airline & hotel business credit card offers – April 2025
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This page contains the UK’s only comprehensive and regularly updated guide to small business credit and charge cards offering air miles or hotel loyalty points.
If you are looking for a personal credit card for private use, visit our directory of the best airline and hotel personal credit card deals here.
How many small business cards offer travel rewards?
There are only four cards on the market which offer travel rewards to small businesses and sole traders.
Want an American Express card, for a limited company or sole trader?
There are three American Express options which are available to sole traders and Limited Companies. American Express Business Gold is the only card which is free for the first year and comes with a generous bonus of 20,000 Membership Rewards points. These convert 1:1 to Avios or other airline miles.
You also have American Express Business Platinum which has a big sign-up bonus (50,000 points, worth 50,000 Avios) and big benefits, but also with a big fee.
For a dedicated Avios card, take a look at the British Airways American Express Accelerating Business credit card.
Want a Visa or Mastercard which earns miles, and you’re NOT a sole trader?
You have only one choice – the Capital on Tap Visa card. This card is FREE and earns points worth 1 Avios per £1 spent. There are no FX fees either. You must have a Limited Company to apply.
There is also a Pro version of the Capital on Tap card (£299 fee) which has the same earning rate but has additional travel benefits.
Want a Visa or Mastercard which earns miles, and you ARE a sole trader?
Sorry, there are no business cards which earn miles and accept sole traders.
Here are your options in more detail:
American Express Membership Rewards cards:
American Express Membership Rewards points convert at 1:1 into Avios and Virgin Flying Club, as well as various other airline and hotel loyalty programmes, plus Eurostar.
American Express Business Gold
Sign-up bonus and earn rate:
- Get 20,000 Membership Rewards points when you spend £3,000 within three months
- Earn 10,000 additional bonus points whenever you spend £20,000 in a quarter
- Earn 1 Membership Rewards point per £1 spent
Other information:
- Annual fee: Free for the first year
- £195 annual fee from Year 2
- Get £100 per year to spend at Dell
- Points transfer at 1:1 into Avios and Virgin Points
- You can also convert to other airlines, Eurostar and hotel schemes
- T&C apply, 18+, subject to status
This is a charge card, not a credit card. You must clear your balance in full each month. Annual fee £195 from Year 2, free in Year 1.
You will receive a sign-up bonus of 20,000 American Express Membership Rewards points if you spend £3,000 in your first three months.
Membership Rewards points are hugely flexible. You can transfer them into Avios, Virgin Points or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.
There are no longer any rules on qualifying for the sign-up offer on this card, subject to hitting the spend target. If you are accepted and spend the required amount you will receive the bonus, irrespective of what other cards you hold or have recently held.
You receive £100 of Dell statement credit per calendar year. This is made available in two parts. You receive a £50 credit on Dell purchases made between January and June and a £50 credit on Dell purchases made between July and December. There is no minimum spend requirement.
You can apply for complimentary Amex business cards for your employees.
You will receive one consolidated statement showing the spend on your card and all of the complimentary cards. All of the Membership Rewards points earned on the complimentary cards will flow into your personal account.
Depending on when in your monthly cycle you make a payment, you will effectively receive up to 54 days free credit on your spending.
American Express statements provide more underlying transaction detail for flights and certain other transactions than Visa or Mastercard statements, making it easier to reconcile transactions.
You need a minimum personal income of £20,000 to apply for the card.
Terms and conditions apply to all card benefits.
American Express Business Platinum
Sign-up bonus and earn rate:
- Get 50,000 Membership Rewards points when you spend £6,000 within three months
- Earn 1 Membership Rewards point per £1 spent
- Earn 10,000 bonus points in every month you spend £10,000+
- Points transfer at 1:1 into Avios and Virgin Points
- You can also convert to other airlines, Eurostar and hotel schemes
Other information:
- Get £200 per year to spend at Amex Travel
- Two Priority Pass cards, each allowing two people into 1,400 airport lounges
- Elite status in four major hotel loyalty programmes
- Get £150 per year to spend at Dell
- Get £300 per year to spend at job ads site Indeed
- Comprehensive travel insurance
- Annual fee: £650
- T&C apply, 18+, subject to status
This is a charge card, not a credit card. You must clear your balance in full each month. Annual fee £650.
You will receive a sign-up bonus of 50,000 American Express Membership Rewards points if you spend £6,000 in your first three months.
Membership Rewards points are hugely flexible. You can transfer them into Avios, Virgin Points or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.
There are no longer any rules on qualifying for the sign-up offer on this card, subject to hitting the spend target. If you are accepted and spend the required amount you will receive the bonus, irrespective of what other cards you hold or have recently held.
American Express Business Platinum comes with an unrivalled list of benefits for the keen traveller.
Your personal travel patterns will determine which of these is the most valuable. The key benefits are:
£200 of Amex Travel credit per membership year
Full comprehensive travel insurance for you, your family and the family of up to five complimentary cardholders, subject to enrolment
Two Priority Pass cards, each of which allows the holder and a guest unlimited free access to 1,400 airport lounges
Elite status in four major hotel loyalty schemes: Marriott Bonvoy (Gold), Hilton Honors (Gold), Radisson Rewards (Premium), MeliaRewards (Gold)
Other benefits include:
£150 of Dell statement credit per year – you receive £75 credit on Dell purchases betweeen January and June and £75 credit on purchases between July and December
£300 of credit to run job advertisements at indeed.com (£75 per quarter)
Digital subscription to The Times and The Sunday Times, worth over £300
You need a minimum personal income of £35,000 to apply for the card.
Terms and conditions apply to all card benefits.
Avios credit cards:
Sign-up bonus and earn rate:
- Earn 1 point per £1 spent
- Capital on Tap points convert to Avios at 1:1
- Points can also be turned into 1p of cash
Other information:
- No foreign exchange fees
- Points transfers to Avios are instantaneous
- There is no annual fee
Your interest rate is based on your business profile and can be as low as 14.95% APR variable.
You must have a Limited Company or LLP to apply, with a minimum turnover of £24,000. Partnerships and sole traders are not being accepted at this time.
Capital on Tap points transfer to Avios at 1:1.
Points can also be converted into cash at 1 point = 1p.
Other card benefits include:
unlimited free supplementary cards for your staff
a credit limit of up to £250,000
up to 42 days to pay before interest is incurred
accounting integrations with Sage, QuickBooks, Xero, FreeAgent and more
no foreign exchange fees and no ATM fees
Sign-up bonus and earn rate:
- Get 10,500 points with your first purchase
- Benefits include a Priority Pass and Radisson Rewards VIP status
- Earn 1 point per £1 spent
- Earn 1.25 points per £1 if you pre-load your card
- Capital on Tap points convert to Avios at 1:1
Other information:
- No foreign exchange fees
- Points transfers to Avios are instantaneous
- Points can also be turned into cash
- Annual fee: £299
Your interest rate is based on your business profile and can be as low as 14.95% APR variable.
You will receive the bonus as long as you are a new customer of Capital on Tap.
You will receive 10,500 points with your first purchase. This includes a special 500 points additional bonus for Head for Points readers.
You must have a Limited Company or LLP to apply, with a minimum turnover of £24,000. Partnerships and sole traders are not being accepted at this time.
Capital on Tap points transfer to Avios at 1:1.
Capital on Tap Pro comes with good travel benefits:
a Priority Pass card, giving you unlimited free access to 1,600 airport lounges worldwide
you receive two Priority Pass guest vouchers per year, with additional guest visits chargeable at £20 each
you receive VIP status in Radisson Rewards, which gets you free breakfast and an upgrade to the best available room at check-in (suites excluded at most hotels) on every stay
Other card benefits include:
unlimited free supplementary cards for your staff
a credit limit of up to £250,000
up to 42 days to pay before interest is incurred
accounting integrations with Sage, QuickBooks, Xero and more
a higher earning rate of 1.25 points per £1 spent if you pre-load your card with funds
no foreign exchange fees and no ATM fees
British Airways American Express Accelerating Business
Sign-up bonus and earn rate:
- Get 30,000 Avios when you spend £5,000 within the first three months
- Earn 1.5 Avios per £1 spent
- Receive 10,000 bonus Avios for every £20,000 you spend each year, up to three times a year
Other information:
- Earn 1.5 Avios per eligible £1 spent
- Get 1 bonus On Business point per £1 spent on qualifying BA flights
- Annual fee: £250
Representative 106.7% APR variable based on an assumed £1,200 credit limit and £250 annual fee. Interest rate on purchases 27.6% APR variable.
You will qualify for the bonus as long as you have not held an American Express Business card, including Accelerating Business, Business Gold and Business Platinum, in the previous 12 months.
There are no restrictions if you only have personal American Express cards at the moment, including the personal British Airways cards.
You need to spend £5,000 within the first three months to receive the bonus.
Certain items (the card fee, cash withdrawals etc) do not count towards the £5,000 target – check the card rules for full details.
The card comes with the typical American Express credit card benefits:
Up to 56 days to pay
Up to 20 complimentary cards for your employees
Travel inconvenience cover (with higher payouts if you or your baggage is delayed on a British Airways flight)
Travel accident protection
Purchase protection
Refund protection
Terms and conditions apply to all benefits.
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. The site discusses products offered by lenders but is not a lender itself. Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as an independent credit broker.
