Maximise your Avios, air miles and hotel points

Top UK airline & hotel business credit card offers – June 2024

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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 and big benefits, but also with a big fee.

For a dedicated Avios card, you can usually take a look at the British Airways American Express Accelerating Business credit card. However, applications for this card are currently suspended until the British Airways On Business SME loyalty scheme relaunches.

Want a Visa or Mastercard which earns miles, and you’re NOT a sole trader?

You have only one choicethe 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. You must have a Limited Company to apply.

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. Instead, we recommend the Barclaycard Select Cashback credit card. This has no annual fee and pays 1% cashback.

Here are your options in more detail:

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

Bonus: 20,000 Membership Rewards points

Read our full reviewApply here

Other information:

  • Annual fee: Free for the first year, £195 from Year 2
  • Points transfer at 1:1 into Avios, Virgin Points and other airline schemes
  • Get £100 per year to spend at Dell

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.

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 Points 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 13 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 complimentary card on someone else’s American Express account.

You are OK if the only American Express card you have had in the previous 13 months was a British Airways, Marriott Bonvoy, Nectar, Amex Cashback or Harrods American Express card.

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 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.

American Express Business Platinum

Bonus: 40,000 Membership Rewards points

Read our full reviewApply here

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

This is a charge card, not a credit card. You must clear your balance in full each month.  Annual fee £650.

See if you qualify for the 40,000 points 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 Points 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 13 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 complimentary card on someone else’s American Express account.

You are OK if the only American Express card you have had in the previous 13 months was a British Airways, Marriott Bonvoy, Nectar, Amex Cashback or Harrods American Express card.

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 including the £200 of annual Amex Travel credit.

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:

£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.

Avios credit cards:

Capital on Tap Business Rewards Visa

Bonus: 10,500 Capital on Tap points

Read our full reviewApply here

Other information:

  • No foreign exchange fees
  • Points transfers to Avios are instantaneous
  • Points can also be turned into cash
  • Annual fee: £99

Representative 34.3% APR variable based on an assumed £1,200 credit limit and £99 annual fee.  Rate varies by individual circumstances and can be as low as 1.19% per month.

See if you qualify for the 10,500 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 points if you spend £5,000 within three months.

You will receive an additional 500 points as a Head for Points reader if you apply via our link, for a total bonus of 10,500 points.

You must be 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.

Learn more about the card benefits +

Other card benefits include:

unlimited free supplementary cards for your staff

a credit limit of up to £250,000

up to 56 days to pay before interest is incurred

accounting integrations with Sage, QuickBooks, Xero and more

no foreign exchange fees and no ATM fees

Cashback credit cards:

There are few Visa or Mastercard business credit cards which offer travel rewards apart from the Capital On Tap Business Rewards Visa card above.

The Capital On Tap Business Rewards Visa credit card is not available to sole traders or partnerships. Instead we recommend the free Barclaycard Select Cashback credit card as a good companion to an American Express Business card:

Barclaycard Select Cashback Business Credit Card

Read our full reviewApply here

Other information:

  • A free FreshBooks accounting plan***
  • Purchase protection and cardholder misuse insurances ****
  • Access to business rewards with offers and discounts from leading retailers and suppliers (T&C apply)

Representative example: The standard interest rate on purchases is 27.5% pa variable so if you borrow £1,200 the Representative APR will be 27.5% APR variable.

Learn more about the card benefits +

Whilst Head for Points is primarily focused on credit cards which offer travel rewards, there are few suitable options in the small business sector if you are looking for a Visa or Mastercard.

The Barclaycard Select Cashback credit card is our preferred choice for a non-Amex SME card.  You receive 1% cashback uncapped on your business spending (T&C apply) and there are no annual fees for the card or account.

Representative example: The standard interest rate on purchases is 27.5% pa variable so if you borrow £1,200 the Representative APR will be 27.5% APR variable.

*Cashback T&Cs apply. The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.

**If you do not pay your balance in full, you will pay interest on the outstanding balance in line with the standard terms and conditions.

***Free FreshBooks Plus plan available for selected Barclaycard customers only. FreshBooks reserves the right to terminate free accounts that don’t belong to an existing Barclaycard customer. The partners may receive a revenue share from each other on approved applications.

****If you opt out of insurance, you won’t be eligible for insurance benefits and won’t be able to make a claim.

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.

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