Maximise your Avios, air miles and hotel points

Top UK airline & hotel business credit card offers – September 2020

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This page contains the UK’s only comprehensive and regularly updated guide to small businenss 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.

If you want a Visa or Mastercard, you have only one choice – the Capital On Tap Business Rewards Visa card. This is good value, with a sign-up bonus which converts to 10,000 Avios and points worth 1 Avios per £1 spent. The annual fee is £99.

There are three American Express options. 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.

Here are your options:

American Express Membership Rewards cards:

American Express Membership Rewards points convert at 1:1 into Avios, Virgin Flying Club and various other loyalty programmes

American Express Business Gold card

American Express Business Gold

Read our full review

Other information:

  • Annual fee: Free for the first year, £125 from Year 2

This is a charge card, not a credit card. You must clear your balance in full each month.  Annual fee £125 from Year 2, free in Year 1.

See if you qualify for the 20,000 points sign-up bonus +

You will receive 20,000 American Express Membership Rewards points as a sign-up bonus on the American Express Business Gold card if you spend £3,000 within 90 days.

Membership Rewards points are hugely flexible.  You can transfer them into Avios, Virgin Flying Club or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.

To qualify for the bonus, you must NOT, currently or in the previous 6 months, have held any other American Express card which earns Membership Rewards points.  This includes Business or personal Gold, Business or personal Platinum and the personal American Express Rewards credit card.

You are OK if you had a supplementary card on someone else’s American Express account.

For clarity, you can still apply for the American Express Business Gold card even if you do not qualify for the bonus.  You would still benefit from the ‘no fee in Year 1’ offer.

Learn more about the card benefits +

You can apply for supplementary Amex business cards for your employees at no extra cost.

You will receive one consolidated statement showing the spend on your card and all of the supplementary cards.  All of the Membership Rewards points earned on the supplementary 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.

Amex Platinum Business American Express

American Express Business Platinum

Read our full review

Other information:

  • Two Priority Pass cards, each allowing two people into 1,300 airport lounges
  • Elite status in five major hotel loyalty programmes
  • Comprehensive travel insurance
  • Annual fee: £595

This is a charge card, not a credit card. You must clear your balance in full each month.  Annual fee £595.

See if you qualify for the 40,000 points sign-up bonus +

You will receive 40,000 American Express Membership Rewards points as a sign-up bonus on the American Express Business Platinum card if you spend £6,000 within 90 days.

Membership Rewards points are hugely flexible.  You can transfer them into Avios, Virgin Flying Club or other airlines (at 1:1) or into various hotels schemes, into Club Eurostar or use them for shopping vouchers.

To qualify for the bonus, you must NOT, currently or in the previous 6 months, have held any other American Express card which earns Membership Rewards points.  This includes Business or personal Gold, Business or personal Platinum and the personal American Express Rewards credit card.

You are OK if you had a supplementary card on someone else’s American Express account.

For clarity, you can still apply for the American Express Business Platinum card even if you do not qualify for the bonus.  You would still benefit from all of the other card features.

Learn more about the card benefits +

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:

Full comprehensive travel insurance for you, your family and the family of up to five supplementary cardholders, subject to enrolment

Two Priority Pass cards, each of which allows the holder and a guest unlimited free access to 1,300 airport lounges

Elite status in five major hotel loyalty schemes: Marriott Bonvoy (Gold Elite), Hilton Honors (Gold), Radisson Rewards (Gold Elite), Shangri-La Golden Circle (Jade), MeliaRewards (Gold)

Digital subscription to The Times and The Sunday Times, worth over £300

Avios and On Business credit cards:

Capital On Tap Business Rewards Visa

Read our full review

Other information:

  • No foreign exchange fees
  • Points transfers to Avios are instantaneous
  • Annual fee: £99

Representative 39.9% APR variable based on a notional £1,200 credit limit and £99 annual fee.  Rate varies by individual circumstances and can be as low as 9.9% APR.

See if you qualify for the 10,000 points sign-up bonus +

You will receive the bonus as long as you are a new customer of Capital On Tap.

You will receive 10,000 Capital On Tap points as a sign-up bonus when you £5,000 within 90 days.

Head for Points readers receive an additional 500 points if they use promo code headforpoints on the application form.  Our Capital On Tap review has more information.

Capital On Tap points transfer to Avios at 1:1.

Learn more about the card benefits +

Other card benefits include:

20 free supplementary cards for your staff

a credit limit of up to £50,000

up to 56 days to pay before interest is incurred

no foreign exchange fees and no ATM fees 

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

Read our full review

Other information:

  • Get 50% bonus On Business points on BA flights purchased with the card
  • Annual fee: £210

Representative 80.3% APR variable based on a notional £1,200 credit limit and £210 annual fee. Interest rate on purchases 22.2% APR variable.

See if you qualify for the 2,200 points sign-up bonus +

There are no restrictions on receiving the sign-up bonus on the British Airways Accelerating Business American Express credit card.

You will receive the bonus irrespective of what other business or personal American Express cards you hold.

Learn more about the card benefits +

The card comes with the typical American Express credit card benefits:

Up to 56 days to pay

Up to 99 FREE supplementary 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

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.