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The best Barclays business credit cards provide a powerful combination of travel rewards, loyalty points, $0 foreign transaction fees, low annual fees, competitive APRs, and attractive welcome offers. With co-branded partnerships enhancing their value, these three cards cater to a variety of business needs. If you prefer a more versatile option, we’ve also included alternatives that aren’t tied to specific partners.
Here are the three best Barclays business credit cards:
- Hawaiian Airlines® World Elite Business Mastercard®: Best for frequent Hawaiian Airlines travelers, with miles on gas, dining, and office supplies
- JetBlue Business Card: Best for JetBlue loyalists, offering 50% off in-flight food and beverages
- Wyndham Rewards Earner® Business Card: Best for Wyndham stays, earning free nights at Wyndham properties
Overview of the Best Barclays Business Credit Cards
Best For | Annual Fee | Welcome Offer | Ongoing Rewards | ||
|---|---|---|---|---|---|
 Hawaiian Airlines® World Elite Business Mastercard® | Frequent Hawaiian Airlines travelers, with miles on gas, dining, and office supplies | $99 | 50,000 Bonus HawaiianMiles | Up to 3× miles per dollar | |
 JetBlue Business Card | JetBlue loyalists, offering 50% off in-flight food and beverages | $99 | Up to 60,000 bonus points | Up to 6× points per dollar | |
 Wyndham Rewards Earner® Business Card | Wyndham stays, earning free nights at Wyndham properties | $95 | Up to 80,000 bonus points | Up to 8× points per dollar |
To see how these credit cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Barclays’ business credit cards are all co-branded, making them ideal for loyal customers of specific airlines or hotels. To find the best fit for your business, consider three key factors: preferred rewards, airline preference, and the value of points or miles.
1. Preferred Rewards
- For hotel rewards: Choose the Wyndham Rewards Earner® Business Card to earn free stays.
- For flight rewards: Opt for the JetBlue Business Card or Hawaiian Airlines® World Elite Business Mastercard® to earn free flights.
2. Airline Preference
- If you prefer JetBlue, the JetBlue Business Card offers 6× points on JetBlue purchases.
- If you fly Hawaiian Airlines, the Hawaiian Airlines® World Elite Business Mastercard® provides 3× miles on Hawaiian Airlines purchases. Keep in mind that Hawaiian Airlines has more limited travel destinations.
- Both cards feature low annual fees, $0 foreign transaction fees, and attractive welcome offers.
2. Value of Points and Miles
- JetBlue Business Card: TrueBlue points are worth 1.3–1.6 cents each.
- Hawaiian Airlines® World Elite Business Mastercard®: HawaiianMiles are worth about 1 cent each.
- Wyndham Rewards Earner® Business Card: Wyndham points average 1.1 cents but can be worth more in certain cases.
Hawaiian Airlines® World Elite Business Mastercard®: Best for Frequent Hawaiian Airlines Travelers, With Miles on Gas, Dining, and Office Supplies
Hawaiian Airlines® World Elite Business Mastercard®
BEST FOR:
Hawaiian Airlines loyalists
Intro APR
N/A
Regular APR
20.49% to 29.49% variable
Annual Fee
$99
Credit Needed
Good to Excellent
- Earn 50,000 bonus miles after spending $4,000 on purchases within 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
- Doesn’t charge foreign transaction fees
- Low spending requirement for welcome offer
- Can share miles with family and friends
Cons
- Has no 0% intro annual percentage rate (APR)
- No free checked bag benefit
- Companion discount is only good for flights between Hawaii and North America
- HawaiianMiles Share Miles: Allows cardholders to share earned miles with family and friends faster. You can send and receive HawaiianMiles transferred from friends and family up to a maximum of 10 times per calendar year.
- Complimentary employee cards: You can create employee cards that can help you earn rewards faster and control business spending at no cost.
- Companion ticket: Receive a one-time 50% off companion discount for round-trip coach travel between Hawaii and North America on Hawaiian Airlines
Intro APR
N/A
Regular APR
20.49% to 29.49% variable
Annual Fee
$99
Credit Needed
Good to Excellent
- Earn 50,000 bonus miles after spending $4,000 on purchases within 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
- Doesn’t charge foreign transaction fees
- Low spending requirement for welcome offer
- Can share miles with family and friends
Cons
- Has no 0% intro annual percentage rate (APR)
- No free checked bag benefit
- Companion discount is only good for flights between Hawaii and North America
- HawaiianMiles Share Miles: Allows cardholders to share earned miles with family and friends faster. You can send and receive HawaiianMiles transferred from friends and family up to a maximum of 10 times per calendar year.
- Complimentary employee cards: You can create employee cards that can help you earn rewards faster and control business spending at no cost.
- Companion ticket: Receive a one-time 50% off companion discount for round-trip coach travel between Hawaii and North America on Hawaiian Airlines
This card is ideal for businesses that frequently travel with Hawaiian Airlines. You can earn up to 3× miles on select purchases, offering valuable rewards for travel and business expenses. It also includes perks like a companion discount and has $0 foreign transaction fees, making it a practical choice for international travel.
Ongoing Rewards
- 50,000 bonus HawaiianMiles after spending $4,000 on purchases in the first 90 days
- 20,000 bonus HawaiianMiles with $50,000-$99,999 spent in Net Purchases every year.
- 40,000 bonus HawaiianMiles with $100,000 or greater spent in Net Purchases every year.
- 3× miles on eligible Hawaiian Airlines purchases
- 2× miles on gas, dining, and office supply expenses
- 1× mile on all other purchases
Other Benefits
- No limit on miles: Earn unlimited HawaiianMiles with no cap on the total miles you can accumulate.
- Share miles feature: Easily share miles with friends and family at no additional cost.
- Miles never expire: Your HawaiianMiles won’t expire, giving you flexibility in redeeming rewards.
- Complimentary employee cards: Issue employee cards for free to streamline expenses and maximize rewards.
- Easier expense tracking: Simplify business expense management with detailed spending reports.
Who Should Consider It
- Business owners who frequently travel with Hawaiian Airlines.
- Those looking to earn rewards on business expenses like gas and dining.
- Companies that value $0 foreign transaction fees and companion travel discounts.
JetBlue Business Card: Best for JetBlue Loyalists, Offering 50% Off In-flight Food and Beverages
JetBlue Business Card
BEST FOR:
JetBlue frequent flyers who want excellent rewards
Intro APR
N/A
Regular APR
20.49% to 29.49% variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 50,000 TrueBlue bonus points after spending $4,000 on purchases within the first 90 days of card ownership and a maximum of 10,000 TrueBlue bonus points after at least one employee is added to the account
- 6x points per dollar spent on eligible JetBlue purchases
- 2x points per dollar spent at restaurants and office supply stores
- 1x points per dollar spent on all other purchases
Pros
- Welcome offer
- Premium travel rewards
- Does not charge foreign transaction fees
Cons
- Does not offer a 0% introductory period for purchases and balance transfers
- Premium rewards are only limited to JetBlue purchases
- Charges annual fee of $99
- Zero fraud liability protection: This card offers $0 fraud liability protection, making you not responsible for charges you did not authorize.
- In-flight savings on food and drink purchases: You can save 50% on in-flight purchases of food and drinks, including cocktails, beer, and wine, on JetBlue-operated flights. These savings don’t apply to other in-flight purchases like pillows, earphones, or upgraded seats and cabins.
- Free first checked bag: Get a free first checked bag for you and up to three companions on the same reservation after using your JetBlue Business Card to book JetBlue-operated flights.
Intro APR
N/A
Regular APR
20.49% to 29.49% variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 50,000 TrueBlue bonus points after spending $4,000 on purchases within the first 90 days of card ownership and a maximum of 10,000 TrueBlue bonus points after at least one employee is added to the account
- 6x points per dollar spent on eligible JetBlue purchases
- 2x points per dollar spent at restaurants and office supply stores
- 1x points per dollar spent on all other purchases
Pros
- Welcome offer
- Premium travel rewards
- Does not charge foreign transaction fees
Cons
- Does not offer a 0% introductory period for purchases and balance transfers
- Premium rewards are only limited to JetBlue purchases
- Charges annual fee of $99
- Zero fraud liability protection: This card offers $0 fraud liability protection, making you not responsible for charges you did not authorize.
- In-flight savings on food and drink purchases: You can save 50% on in-flight purchases of food and drinks, including cocktails, beer, and wine, on JetBlue-operated flights. These savings don’t apply to other in-flight purchases like pillows, earphones, or upgraded seats and cabins.
- Free first checked bag: Get a free first checked bag for you and up to three companions on the same reservation after using your JetBlue Business Card to book JetBlue-operated flights.
This card is perfect for JetBlue flyers, offering up to 60,000 bonus points as a welcome offer. It provides valuable travel perks, including a 50% discount on in-flight food and beverages, and features $0 foreign transaction fees, making it ideal for frequent business trips. Plus, you can get 10% of your points back when redeemed for and travel on a JetBlue-operated award flight.
Ongoing Rewards
- 50,000 TrueBlue bonus points after spending $4,000 on purchases within the first 90 days
- 10,000 TrueBlue bonus points after at least one employee is added to the account within the first 90 days
- 5,000 bonus points each year after your JetBlue Business card anniversary
- 6× points on eligible JetBlue purchases
- 2× points at restaurants and office supply stores
- 1× point on all other purchases
Other Benefits
- Free First Checked Bag: Enjoy a free checked bag for you and up to three companions on the same reservation.
- Group A Boarding: Board earlier and secure overhead space with Group A boarding.
- Faster Mosaic Status: Earn Mosaic status quickly through your spending, unlocking premium perks like complimentary upgrades and additional bonuses.
- Points Never Expire: Your TrueBlue points won’t expire, giving you flexibility in redeeming rewards.
- No Blackout Dates: Redeem your points for any available JetBlue flight with no restrictions on travel dates.
- Cash + Points: Combine cash and points to book flights, giving you more flexibility with your rewards.
- Points Pooling: Pool points with family, friends, or coworkers to redeem rewards faster.
- $0 Fraud Liability Protection: Stay secure with zero liability for unauthorized purchases.
Who Should Consider It
- Business owners who regularly fly with JetBlue.
- Those who want in-flight discounts and simple travel rewards.
- Companies that frequently travel internationally and prefer $0 foreign transaction fees.
Wyndham Rewards Earner®Business Card: Best for Wyndham Stays, Earning Free Nights at Wyndham Properties
Wyndham Rewards Earner® Business Card
BEST FOR:
Those who frequently stay at Wyndham hotels
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.74% to 29.74% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
- 8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
- 5 points per dollar on eligible marketing, advertising, and utility purchases
- 15,000 annual bonus points each anniversary year
Pros
- Offers 0% introductory APR on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous welcome offer
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee
- Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
- Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.74% to 29.74% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
- 8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
- 5 points per dollar on eligible marketing, advertising, and utility purchases
- 15,000 annual bonus points each anniversary year
Pros
- Offers 0% introductory APR on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous welcome offer
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee
- Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
- Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.
This card is a great option for businesses that frequently book Wyndham properties. You can earn up to 8× points on qualifying purchases, helping you save on hotel stays and other expenses. With $0 foreign transaction fees, it’s a cost-effective choice for both domestic and international business travel. What’s more, you’ll receive an automatic Wyndham Rewards Diamond member level and enjoy perks like suite upgrades and a welcome amenity at check-in.
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening
Ongoing Rewards
- 40,000 bonus points after spending $4,000 on purchases in the first 90 days
- 40,000 bonus points after spending $15,000 on purchases within the first 12 months
- 15,000 bonus points each anniversary year
- 8× points per dollar spent on eligible purchases made at Wyndham hotels
- 5×points per dollar spent on eligible marketing, advertising, and utility purchases
- 1× point per dollar spent on all other purchases (excluding Wyndham Timeshare resort down payments)
Other Benefits
- Wyndham Rewards DIAMOND Status: Enjoy perks like suite upgrades, a welcome amenity at check-in, and more.
- Redeem Nights Faster: Use 10% fewer points for Free Night awards, starting at 6,750 points.
- Flexible Redemption Tiers: Redeem points in tiers of 7,500, 15,000, or 30,000 per bedroom.
- Points + Cash: Book discounted nights starting at 1,500 points plus cash.
- Points Never Expire: Keep your rewards active with no expiration.
- $0 Fraud Liability: Protect your account from unauthorized charges.
Who Should Consider It
- Business owners who frequently stay at Wyndham Hotels.
- Those who want to earn rewards for free hotel stays.
- Companies that spend heavily on gas, utilities, and marketing expenses.
Alternatives to Barclays Business Credit Cards
Ramp Credit Card
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
This card has $0 annual and foreign transaction fees and built-in expense management tools. Businesses can also take advantage of partner discounts for additional savings, making it ideal for companies focused on efficiency and cost control. It is one of our leading business cards with no foreign transaction fees.
Ongoing Rewards
- Up to 1.5% cash back on purchases, regardless of spending categories
- More than $350,000 in partner rewards—including discounts from Gusto, QuickBooks, Accelerate Tax, UPS, Amazon Web Services (AWS), and Rippling, among others.
Other Benefits
- Automated expense tracking and reporting tools
- Custom spending limits for employees
- $0 fees for employees’ cards
- Integration with accounting software like QuickBooks and Xero.
- Real-time alerts for unusual transactions.
- Vendor discount programs for savings on business tools and services.
Who Should Consider It
- Startups and businesses prioritizing expense management over rewards.
- Companies seeking cost-saving tools and fee-free card options.
- Entrepreneurs looking for modern financial tools to streamline operations.
American Express Business Platinum Card®
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.49% - 29.24% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- 5X points on flights and prepaid hotels booked on AmexTravel.com
- 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 1X points on other eligible purchases
- Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Complimentary access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Intro APR
N/A
Regular APR
18.49% - 29.24% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- 5X points on flights and prepaid hotels booked on AmexTravel.com
- 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 1X points on other eligible purchases
- Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Complimentary access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
This card is a top choice for business owners who value premium travel perks and exclusive benefits. With access to over 1,400 airport lounges worldwide, it’s tailored for frequent travelers seeking comfort and convenience. While the card has a $695 annual fee, it offers over $2,000 in discounts on select business tools, helping offset the cost (enrollment required). Because of its generous perks, it is our best business card with airport lounge access.
Ongoing Rewards
- 150,000 Membership Rewards® points after spending $20,000 in the first three months.
- 5× Points: On flights and prepaid hotels booked through amextravel.com.
- 1.5× Points: On eligible purchases in key business categories (up to $2 million/year), including:
- Construction materials and hardware
- Electronics and software
- Cloud systems and shipping
- Purchases of $5,000 or more elsewhere
- 1×Points: On all other eligible purchases.
Other Benefits
- CLEAR® Plus credit: Get up to $199 annually in statement credits for your CLEAR Plus membership.
- Fine Hotels + Resorts®: Enjoy perks worth an average of $600 with stays booked through this program.
- Wireless credit: Get up to $120 per year for US wireless telephone services.
Who Should Consider It
- Business owners who travel frequently.
- Business owners who need luxury travel perks.
- Business owners who can pay their monthly balances in full.
Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
This card is ideal for Hilton loyalists, offering automatic Gold Status with perks like bonus points and room upgrades. It features a generous welcome offer, $0 foreign transaction fees, and up to $240 in Hilton credits annually. You can also upgrade to Diamond Status with sufficient spending. Additional benefits like complimentary car rental status, employee cards, and QuickBooks integration make it a valuable tool for managing business expenses while maximizing travel rewards. Moreover, it made our list of the top business cards for miles.
Ongoing Rewards
- 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership.
- 12× Hilton Honors Bonus Points on purchases made directly with Hilton Hotels & Resorts.
- 5× Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, then 3× points thereafter.
Other Benefits
- Hilton Honors Gold status: Enjoy perks like 80% bonus points on stays and room upgrades when available.
- Diamond Status upgrade: Earn Diamond status by spending $40,000 annually.
- National car rental status: Complimentary Emerald Club Executive® Status for easier car rentals.
- $240 Hilton credit: Receive up to $60 in quarterly credits on Hilton purchases.
- Protection coverage: Includes extended warranty and purchase protection.
- Employee cards: Issue cards to employees, set limits, and earn points on their spending.
- Year-end summary: Review annual expenses with a detailed summary.
- QuickBooks integration: Automatically categorize expenses for easier financial management
Who Should Consider It
- Business owners who frequently stay at Hilton properties and want to earn rewards.
- Companies that want employee cards to earn points on team spending.
- Business owners seeking travel perks like car rental status and hotel credits.
Frequently Asked Questions (FAQs)
You can call (800) 308-6008 or apply online through Barclays’ official website. Select the business credit card you’re interested in and complete the application. Note that it will take up to 14 business days for Barclays to let you know the status of your application. Once approved, you’ll receive your card within 7-10 business days.
To qualify, you’ll typically need the following:
- A good to excellent credit score (usually 670 or higher).
- Personal and business details, including income and revenue information.
- An Employer Identification Number (EIN) or Social Security Number (SSN) if you’re a sole proprietor.
- Proof of business operations or plans (in some cases).
Yes, Barclays business credit cards can be integrated with popular expense management tools like QuickBooks and other accounting software. This compatibility helps businesses easily track and categorize expenses, simplifying financial management.
Bottom Line
Barclays business credit cards are ideal for business owners who travel frequently, offering rewards for free flights or hotel stays. These cards come with loyalty points, $0 foreign transaction fees, low annual fees, competitive APRs, and attractive welcome offers. When deciding on the best option, consider your preferred airline, the type of rewards you value most, and the worth of the points or miles you’ll earn. However, keep in mind that none of these cards include zero-interest financing options, so they’re better suited for earning rewards than carrying balances.
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