Best Barclays Business Credit Cards for 2022
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This article is part of a larger series on Best Small Business Credit Cards.
Barclays has a total of four co-branded business credit cards designed for business owners who travel frequently. Barclays business credit cards come with zero foreign transaction fees, low annual fees, and lucrative travel rewards. The best Barclays business credit card for you depends on whether you prefer to earn airline miles for free flights or hotel points for free nights.
Here are the best Barclays business credit cards for 2022:
- AAdvantage® Aviator® World Elite Business Mastercard®: Best for free checked bags and preferred boarding
- Hawaiian Airlines® World Elite Mastercard®: Best for sharing miles with family and friends
- JetBlue Business Card: Best for in-flight discount on food and beverages
- Wyndham Rewards Earner® Business Card: Best for earning rewards for free hotel stays
Do you want to compare the features of one card to another? We’ve made it easy for you to do that. Check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
AAdvantage® Aviator® World Elite Business Mastercard®: Best for Free Checked Bags & Preferred Boarding
AAdvantage® Aviator® Business Mastercard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Business owners that frequently fly American Airlines
Intro APR
N/A
Regular APR
17.99% or 26.99% Variable
Annual Fee
$95
Credit Needed
Good - Excellent
- Earn up to 60,000 AAdvantage® bonus miles Earn 50,000 miles after spending $1,000 in the first 90 days. Earn 10,000 miles when a purchase is made on an employee card.
- Earn 2X AAdvantage® miles for every one dollar spent on eligible American Airlines purchases, eligible office supply, telecom and car rental merchants.
- Earn 1X AAdvantage® miles for every one dollar spent on all other purchases.
- 5% AAdvantage® mileage bonus earned every year after your account anniversary date based on the total number of miles earned using your card.
Pros
- A large introductory bonus offer
- Discounted companion certificate
- First free checked bag
Cons
- No 0% APR offer
- No lounge access
- No TSA Pre✓®
- First free checked Bag: Get one free checked bag for you and up to four companions.
- Companion Certificate: Receive one discounted companion ticket, each card anniversary after meeting spending requirements.
- Preferred boarding: You and o to four companions can board before economy boarding.
- Inflight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.
- AAdvantage Elite Status Benefits: Earn Elite Qualifying Dollars (EQDs) that can be applied toward American Airlines tiered elite statuses and benefits including upgrades and free checked bags.
Intro APR
N/A
Regular APR
17.99% or 26.99% Variable
Annual Fee
$95
Credit Needed
Good - Excellent
- Earn up to 60,000 AAdvantage® bonus miles Earn 50,000 miles after spending $1,000 in the first 90 days. Earn 10,000 miles when a purchase is made on an employee card.
- Earn 2X AAdvantage® miles for every one dollar spent on eligible American Airlines purchases, eligible office supply, telecom and car rental merchants.
- Earn 1X AAdvantage® miles for every one dollar spent on all other purchases.
- 5% AAdvantage® mileage bonus earned every year after your account anniversary date based on the total number of miles earned using your card.
Pros
- A large introductory bonus offer
- Discounted companion certificate
- First free checked bag
Cons
- No 0% APR offer
- No lounge access
- No TSA Pre✓®
- First free checked Bag: Get one free checked bag for you and up to four companions.
- Companion Certificate: Receive one discounted companion ticket, each card anniversary after meeting spending requirements.
- Preferred boarding: You and o to four companions can board before economy boarding.
- Inflight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.
- AAdvantage Elite Status Benefits: Earn Elite Qualifying Dollars (EQDs) that can be applied toward American Airlines tiered elite statuses and benefits including upgrades and free checked bags.
Who Is the AAdvantage® Aviator® World Elite Business Mastercard® Best For?
The AAdvantage® Aviator® World Elite Business Mastercard® from Barclays is best for business owners who primarily fly on American Airlines. This travel rewards business card is also a good option for those who travel with companions. You and up to four companions on your reservation can enjoy preferred boarding and one free checked bag each.
You can earn 2x miles for every dollar spent on eligible American Airlines purchases, eligible office supplies, telecom services, and car rentals. These rewards are lower compared to Barclay’s other co-branded airline business credit cards like the Hawaiian Airlines® World Elite Business Mastercard® and the JetBlue Business Card.
AAdvantage® Aviator® World Elite Business Mastercard® Fees
- Introductory APR: None
- Ongoing APR: 15.99% or 24.99% variable—adjusts with the prime rate
- Annual fee: $95
- Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Foreign transaction fee: None
- Cash advance fee: Either $10 or 3% of the amount of each transaction, whichever is greater—APR is 25.24%
Why We Like the AAdvantage® Aviator® World Elite Business Mastercard®
- Sign-up bonus: You can earn 60,000 bonus miles after spending $1,000 on purchases in the first 90 days and an additional 10,000 bonus miles after a purchase is made on an employee card.
- Low annual fee: You can earn miles on your purchases and enjoy travel perks while paying a low annual fee of $95.
- 5% anniversary bonus miles: You’ll receive 5% bonus miles every year after your account anniversary date based on the total number of miles earned on your card.
- First checked bag free: You and up to four companions on the same reservation can check your first bag for free when traveling on domestic flights operated by American Airlines.
- 25% inflight savings: Receive 25% savings as a statement credit on in-flight food and beverages on flights operated by American Airlines.
- No foreign transaction fees: There are no foreign transaction fees on purchases made outside of the United States.
- Preferred boarding: You and up to four companions on your reservation can enjoy preferred boarding when traveling on flights operated by American Airlines.
What’s Missing From the AAdvantage® Aviator® World Elite Business Mastercard®
The AAdvantage® Aviator® World Elite Business Mastercard® doesn’t offer a 0% introductory APR on purchases and balance transfers. It also doesn’t offer access to airport lounges or reimbursement or credits for Global Entry or TSA Pre✓®.
Hawaiian Airlines® World Elite Business Mastercard®: Best for Sharing Miles With Family & Friends
Hawaiian Airlines® World Elite Business Mastercard®
BEST FOR:
Hawaiian Airlines loyalists
Intro APR
N/A
Regular APR
15.99% to 24.99% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 60,000 bonus miles after spending $1,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
- Earn a one-time 50% discount on one companion pass
- Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
- Earn 3x miles on Hawaiian Airlines purchases
Pros
- Potential 20,000-mile bonus each anniversary
- Receive a one-time discounted companion fare for one guest
- No foreign transaction fee
Cons
- No free annual fee period
- No 0% introductory rate
- Only services flights to Hawaii
- Companion ticket: Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
- Share miles: Allows you to send and receive miles from family and friends through HawaiianAirlines.com, without a fee
- Complimentary employee cards: Employee cards help you earn rewards faster and control business spending
Intro APR
N/A
Regular APR
15.99% to 24.99% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 60,000 bonus miles after spending $1,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
- Earn a one-time 50% discount on one companion pass
- Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
- Earn 3x miles on Hawaiian Airlines purchases
Pros
- Potential 20,000-mile bonus each anniversary
- Receive a one-time discounted companion fare for one guest
- No foreign transaction fee
Cons
- No free annual fee period
- No 0% introductory rate
- Only services flights to Hawaii
- Companion ticket: Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
- Share miles: Allows you to send and receive miles from family and friends through HawaiianAirlines.com, without a fee
- Complimentary employee cards: Employee cards help you earn rewards faster and control business spending
Who Is the Hawaiian Airlines® World Elite Business Mastercard® Best For?
The Hawaiian Airlines® World Elite Business Mastercard® is best for business owners who travel frequently to Hawaii and prefer to fly on Hawaiian Airlines. This travel business credit card is an excellent option if you have friends and family who are also members of the HawaiianMiles program because you can share miles without a fee through the Hawaiian Airlines website.
Keep in mind that Hawaiian Airlines only offers non-stop service flights to Hawaii from destinations in North America, Asia, and the South Pacific, as well as service flights to every major Hawaiian Island. If you need to use your card to travel to other destinations aside from Hawaii, consider the JetBlue Business Card or the AAdvantage® Aviator® World Elite Business Mastercard®.
Hawaiian Airlines® World Elite Business Mastercard® Fees
- Introductory APR: None
- Ongoing APR: 15.99% or 24.99% variable—adjusts with the prime rate
- Annual fee: $99
- Balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater
- Foreign transaction fee: None
- Cash advance fee: $10 or 3% of the amount of each transaction, whichever is greater
Why We Like the Hawaiian Airlines® World Elite Business Mastercard®
- Sign-up bonus: Receive 60,000 bonus miles after spending $1,000 on purchases in the first 90 days, plus an additional 10,000 bonus miles after a purchase is made on an employee card.
- Low annual fee: You can earn unlimited travel rewards and enjoy travel perks while paying a low annual fee of $99.
- No foreign transaction fees: There are no foreign transaction fees on purchases made outside of the United States.
- 50% companion discount: Receive a one-time 50% companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines.
- Annual bonus miles: Earn 20,000 bonus miles if you spend $50,000 to $99,999 on annual purchases or 40,000 bonus miles if your annual expenses reach $100,000 or more.
- Share miles: You can send and receive miles from family and friends without a fee.
- Premium travel rewards: Earn 3x miles on eligible Hawaiian Airlines® purchases.
What’s Missing From the Hawaiian Airlines® World Elite Business Mastercard®
The Hawaiian Airlines® World Elite Business Mastercard® doesn’t offer zero-interest financing options on balance transfers and purchases. While this card comes with a low annual fee, it doesn’t waive the annual fee for the first year. Moreover, Hawaiian Airlines flights are limited to Hawaii destinations only.
JetBlue Business Card: Best for In-flight Food & Beverages Discount
JetBlue Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
JetBlue frequent flyers who want excellent rewards
Intro APR
N/A
Regular APR
17.99% or 26.99% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn up to 50,000 bonus points Earn 40,000 points after spending $1,000 in the first 90 days and earn 10,000 points when a purchase is made on an employee card in the first 90 days.
- 6X points on JetBlue purchases plus 2X points at restaurants and office supply stores and 1X points on all other purchases.
- Free first checked bag for you and up to three companions on the same reservation when you use your card to book JetBlue-operated flights
- Earn 5,000 bonus points every year after your account anniversary.
Pros
- Sign-up bonus
- Premium travel rewards
- No foreign transaction fee
Cons
- No 0% introductory APR
- No zero annual fee period
- Limited redemption option
Barclays doesn’t provide specific coverage information on their business credit cards. Review your guide to benefits for detailed benefit information.
- Free first checked bag: Receive one free checked bag for you and up to three companions.
- Inflight discounts: You’ll get 50% off inflight food and beverage purchases.
- Annual statement credit: Get $100 statement each year you purchase a JetBlue Vacations package.
- Vehicle rental insurance: Receive collision and damage waiver insurance for eligible car rentals, up to 30 days.
- Purchase assurance: You’ll receive coverage for items that are damaged or stolen within 90 days of purchase.
- Extended warranty protection: Get an additional warranty protection period with the manufacturer’s warranty.
- Travel assistance: Have access to free travel and emergency assistance.
Intro APR
N/A
Regular APR
17.99% or 26.99% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn up to 50,000 bonus points Earn 40,000 points after spending $1,000 in the first 90 days and earn 10,000 points when a purchase is made on an employee card in the first 90 days.
- 6X points on JetBlue purchases plus 2X points at restaurants and office supply stores and 1X points on all other purchases.
- Free first checked bag for you and up to three companions on the same reservation when you use your card to book JetBlue-operated flights
- Earn 5,000 bonus points every year after your account anniversary.
Pros
- Sign-up bonus
- Premium travel rewards
- No foreign transaction fee
Cons
- No 0% introductory APR
- No zero annual fee period
- Limited redemption option
Barclays doesn’t provide specific coverage information on their business credit cards. Review your guide to benefits for detailed benefit information.
- Free first checked bag: Receive one free checked bag for you and up to three companions.
- Inflight discounts: You’ll get 50% off inflight food and beverage purchases.
- Annual statement credit: Get $100 statement each year you purchase a JetBlue Vacations package.
- Vehicle rental insurance: Receive collision and damage waiver insurance for eligible car rentals, up to 30 days.
- Purchase assurance: You’ll receive coverage for items that are damaged or stolen within 90 days of purchase.
- Extended warranty protection: Get an additional warranty protection period with the manufacturer’s warranty.
- Travel assistance: Have access to free travel and emergency assistance.
Who Is the JetBlue Business Card Best For?
The JetBlue Business Card is best for business owners who primarily fly on JetBlue Airways. You can earn premium points on JetBlue purchases that can be used for free flights. This is also a good option for those who check a bag when traveling. This card offers one free checked bag for you and up to three companions.
The JetBlue Business Card offers a 50% discount on in-flight purchases of cocktails and food on JetBlue-operated flights. It offers 6x points on eligible JetBlue purchases, 2x points at restaurants and office supply stores, and 1x points on all other purchases. It offers 5,000 anniversary bonus points—this is lower compared to the bonus points offered by the Hawaiian Airlines® World Elite Business Mastercard®.
JetBlue Business Card Fees
- Introductory APR: None
- Ongoing APR: 15.99% or 24.99% variable—adjusts with the prime rate
- Annual fee: $99
- Balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater
- Foreign transaction fee: None
- Cash advance fee: $10 or 3% of the amount of each cash advance, whichever is greater—APR is 25.24%
Why We Like the JetBlue Business Card
- Sign-up bonus: You can earn up to 70,000 sign-up bonus points. Earn 60,000 bonus points after spending $1,000 on purchases in the first 90 days, plus an additional 10,000 bonus points after a purchase is made on an employee card.
- 50% in-flight savings: Receive 50% off eligible inflight purchases of cocktails and food on JetBlue-operated flights.
- Premium rewards: The JetBlue Business Card offers 6x points on eligible JetBlue purchases—this offer is higher compared to the other Barclays co-branded airline credit cards.
- Low annual fee: You’ll only pay a $99 annual fee while earning unlimited rewards.
- First free checked bag: You and up to three companions can each enjoy one free checked bag on JetBlue-operated flights.
- No foreign transaction fee: There are no foreign transaction fees on purchases made outside of the US.
- $100 annual statement credit: Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package with your card.
- Anniversary bonus points: Earn 5,000 bonus points every year after your account anniversary.
What’s Missing From the JetBlue Business Card
The JetBlue Business Card doesn’t offer a 0% introductory APR period on either balance transfers or purchases, and it doesn’t waive the annual fee in the first year. Additionally, you can only redeem points by paying for JetBlue vacation packages and flights on JetBlue Airways and Hawaiian Airlines.
Wyndham Rewards Earner® Business Card: Best for Earning Free Hotel Stays
Wyndham Rewards Earner® Business Card
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
15.99%, 19.99%, or 24.99% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days
- No foreign transaction fees
- Earn 8x points on eligible purchases at Hotels by Wyndham and at qualifying gas stations
Pros
- Sign-up bonus
- Premium rewards
- Anniversary bonus
Cons
- Limited 0% APR period
- No 0% APR period on balance transfers
- No $0 annual fee period
- Annual bonus: Receive 15,000 bonus points each anniversary year.
- Automatic Diamond level benefits: Cardholders are automatically upgraded to a Wyndham Rewards Diamond member level.
- go free®: Redeem 10% fewer Wyndham rewards points for go free® awards.
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
15.99%, 19.99%, or 24.99% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days
- No foreign transaction fees
- Earn 8x points on eligible purchases at Hotels by Wyndham and at qualifying gas stations
Pros
- Sign-up bonus
- Premium rewards
- Anniversary bonus
Cons
- Limited 0% APR period
- No 0% APR period on balance transfers
- No $0 annual fee period
- Annual bonus: Receive 15,000 bonus points each anniversary year.
- Automatic Diamond level benefits: Cardholders are automatically upgraded to a Wyndham Rewards Diamond member level.
- go free®: Redeem 10% fewer Wyndham rewards points for go free® awards.
Who Is the Wyndham Rewards Earner® Business Card Best For?
The Wyndham Rewards Earner® Business Card is best for business owners who stay frequently at Wyndham hotels and resorts. You’ll receive premium rewards on purchases made at Wyndham hotels, and you can use these rewards to book hotel stays. This card is also good for those who travel often because it doesn’t charge foreign transaction fees.
Wyndham Rewards Earner® Business Card points can be used for free nights at participating Wyndham Rewards properties. You can also use your points for online shopping and gift cards. If you want to use rewards for free flights, consider the JetBlue Business Card or the AAdvantage® Aviator® World Elite Business Mastercard® instead.
Wyndham Rewards Earner® Business Card Fees
- Introductory APR: 0% promotional APR for six billing cycles from the transaction date on all qualifying Wyndham Timeshare purchases
- Ongoing APR: 15.99%, 19.99%, or 24.99% variable—changes with the prime rate
- Annual fee: $95
- Balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater
- Foreign transaction fee: None
- Cash advance fee: $10 or 3% of the amount of each cash advance, whichever is greater—cash advance APR is 25.24%, variable
Why We Like the Wyndham Rewards Earner® Business Card
- Sign-up bonus: Earn 45,000 bonus points after spending $1,000 on purchases within the first 90 days of card membership.
- Premium rewards: You can earn 8x points per dollar on purchases at Wyndham hotels and eligible gas stations.
- Anniversary bonus: You’ll receive 15,000 bonus points every year on your account anniversary.
- Low annual fee: You can enjoy earning unlimited rewards for an annual fee of only $95.
- No foreign transaction fee: If you travel frequently and use this card to make purchases outside the US, you won’t be charged a foreign transaction fee.
What’s Missing From the Wyndham Rewards Earner® Business Card
The Wyndham Rewards Earner® Business Card doesn’t offer interest-free periods on regular purchases and balance transfers. The six-month 0% introductory rate is only for qualifying Wyndham Timeshare purchases. It also doesn’t waive the annual fee for the first year of card membership.
How To Choose the Best Barclays Business Credit Card
To find the right Barclays credit card for you, consider your preferred rewards and airline preference.
1. Your Preferred Rewards
Do you want to earn rewards that can be redeemed for free flights or free hotel stays? If you prefer to earn rewards for free hotel stays, consider the Wyndham Rewards Earner® Business Card. If you want to use your rewards for free flights, consider one of the three co-branded Barclays airline credit cards:
- JetBlue Business Credit Card
- Hawaiian Airlines® World Elite Business Mastercard®
- AAdvantage® Aviator® World Elite Business Mastercard®
2. Your Airline Preference
If you want a co-branded airline business credit card, choose which airline you typically fly on: American Airlines, JetBlue Airways, or Hawaiian Airlines. All of these cards have low annual fees, zero transaction fees, and a lucrative sign-up bonus.
The number of rewards you can earn from booking an airline flight varies. The AAdvantage® Aviator® World Elite Business Mastercard® offers 2x miles on eligible American Airlines purchases, while the Hawaiian Airlines® World Elite Business Mastercard® offers 3x miles on Hawaiian Airlines purchases. Lastly, the JetBlue Business Credit Card offers 6x points on JetBlue purchases.
Alternatives to Barclays Business Credit Cards
American Express Blue Business Cash™ Card
The American Express Blue Business CashTM Card is an excellent alternative for business owners who need a zero-interest financing option on purchases. This card comes with a lower ongoing APR compared to Barclays business credit cards and it has no annual fee. You can earn 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% cash back after that, automatically credited to your statement.
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
Intro APR
0% on purchases
Regular APR
13.99% - 21.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power, when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Intro APR
0% on purchases
Regular APR
13.99% - 21.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power, when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
For other American Express alternatives, visit our guide to the Best American Express business credit cards.
Capital One® Spark® Miles Select for Business
The Capital One® Spark® Miles Select for Business is best for business owners who prefer to earn fixed-rate travel rewards with no annual fee. You can use your miles on flights, hotels, vacation packages, or as cash back in the form of a statement credit or check by mail. This card offers a 0% APR on purchases for the first nine months.
Capital One® Spark® Miles Select for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Travel rewards and annual spending less than $19,000
Intro APR
0% on purchases
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12 month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assitance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
0% on purchases
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12 month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assitance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
For other Capital One business credit cards alternatives, visit our guide to the Best Capital One business credit cards.
Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card is a great option if you prefer to earn fixed-rate rewards without having to pay annual fees. It offers zero-interest financing on purchases and balance transfers for the first nine months of card membership. You can also earn a sign-up bonus of $300 cash back or 30,000 points.
Wells Fargo Business Platinum Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Choosing cash back or points rewards with no annual fee
Intro APR
0%
Regular APR
12.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
Intro APR
0%
Regular APR
12.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
For other Well Fargo business credit cards alternatives, check out our guide to the best Wells Fargo business credit cards.
Southwest® Rapid Rewards® Premier Business
If you prefer to fly on Southwest Airlines, consider the Southwest® Rapid Rewards® Premier Business credit card. This card offers rewards that can be redeemed for free flights for purchases made directly with Southwest Airlines. This card doesn’t offer 0% financing options.
Southwest® Rapid Rewards® Performance Business Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Southwest flyers who want a Global Entry or TSA Pre✓® application fee credit
Intro APR
N/A
Regular APR
16.24% - 23.24% Variable
Annual Fee
$199
Credit Needed
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Global Entry or TSA PreCheck® Fee Credit.
Pros
- Free Global Entry or TSA Pre✓® membership
- Large sign-up bonus that can help qualify for the companion pass
- Receive the best rewards for Southwest purchases compared to other Southwest cards
Cons
- High annual fee that isn’t waived in the first year
- Reward redemption value is poor outside of Southwest flights
- Limited options for international travel
- Global Entry or TSA PreCheck reimbursement: Receive application fee credits up to $100 for Global Entry or $85 for TSA PreCheck.
- Upgraded bookings: Southwest will reimburse you each anniversary year for the purchase of up to four upgraded boardings,
- Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays of more than six hours; up to $100 a day for three days.
Intro APR
N/A
Regular APR
16.24% - 23.24% Variable
Annual Fee
$199
Credit Needed
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X points on Southwest® purchases.
- Earn 3X points on Rapid Rewards® hotel and car partners.
- Earn 2X points on rideshare.
- Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
- 4 Upgraded Boardings per year when available.
- Global Entry or TSA PreCheck® Fee Credit.
Pros
- Free Global Entry or TSA Pre✓® membership
- Large sign-up bonus that can help qualify for the companion pass
- Receive the best rewards for Southwest purchases compared to other Southwest cards
Cons
- High annual fee that isn’t waived in the first year
- Reward redemption value is poor outside of Southwest flights
- Limited options for international travel
- Global Entry or TSA PreCheck reimbursement: Receive application fee credits up to $100 for Global Entry or $85 for TSA PreCheck.
- Upgraded bookings: Southwest will reimburse you each anniversary year for the purchase of up to four upgraded boardings,
- Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays of more than six hours; up to $100 a day for three days.
For other Chase business credit cards alternatives, visit our guide to the best Chase business credit cards.
Bottom Line
Barclays offers credit cards that are ideal for business owners who travel frequently. You can earn rewards that can be redeemed for either free flights or free hotel stays. These cards come with low annual fees, large sign-up bonuses, and no foreign transaction fee. The best Barclays business credit card will depend on your preferred airline or the type of rewards you want to earn.
Visit our credit card marketplace and our guide to the best small business credit cards to find other options.
