Best Barclays Business Credit Cards for 2022
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
Barclays has a total of four cobranded business credit cards designed for business owners who travel frequently. They 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.
To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
AAdvantage® Aviator® World Elite 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
18.24% or 27.24% Variable
Annual Fee
$95
Credit Needed
Good - Excellent
- 2x AAdvantage® miles for every dollar spent on eligible American Airlines purchases
- 2x AAdvantage® miles for every dollar spent at eligible office supply, telecom, and car rental purchases
- 1x AAdvantage® miles for every dollar spent on all other purchases
- Earn 5% AAdvantage® mileage bonus every year after your account anniversary date based on the total number of miles earned
Pros
- Generous welcome offer
- Consolidated way of earning loyalty points
- No foreign transaction fees
Cons
- No interest-free financing option
- Can only obtain rewards by flying with American Airlines and its partner airlines
- Charges an annual fee
- 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.
- In-flight 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
18.24% or 27.24% Variable
Annual Fee
$95
Credit Needed
Good - Excellent
- 2x AAdvantage® miles for every dollar spent on eligible American Airlines purchases
- 2x AAdvantage® miles for every dollar spent at eligible office supply, telecom, and car rental purchases
- 1x AAdvantage® miles for every dollar spent on all other purchases
- Earn 5% AAdvantage® mileage bonus every year after your account anniversary date based on the total number of miles earned
Pros
- Generous welcome offer
- Consolidated way of earning loyalty points
- No foreign transaction fees
Cons
- No interest-free financing option
- Can only obtain rewards by flying with American Airlines and its partner airlines
- Charges an annual fee
- 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.
- In-flight 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.
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
- HawaiianMiles don’t expire
Cons
- No free annual fee period
- No 0% introductory rate
- Only services flights to Hawaii
- Only has six partner airlines
- 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
- HawaiianMiles don’t expire
Cons
- No free annual fee period
- No 0% introductory rate
- Only services flights to Hawaii
- Only has six partner airlines
- 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
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
16.74% or 25.74% 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
- Charges an annual fee
- 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
16.74% or 25.74% 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
- Charges an annual fee
- 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.
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.
How To Choose the Best Barclays Business Credit Card
There are two major factors that can help you decide which Barclays credit card is best for you.
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.
On the other hand, if you want to use your rewards for free flights, consider the other co-branded Barclays airline credit cards:
2. Your Airline Preference
If you want a co-branded airline business credit card, choose which airline you typically fly with: American Airlines, JetBlue Airways, or Hawaiian Airlines. All these cards have low annual fees, zero transaction fees, and lucrative sign-up bonuses. However, it’s important to note that Hawaiian Airlines has limited travel destinations.
The amount 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.
AAdvantage® Aviator® World Elite Business Mastercard®: Best for Free Checked Bags & Preferred Boarding
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 with American Airlines. This travel rewards business card is also a good option for those who travel with companions—you can take advantage of preferred boarding and one free checked bag each for you and up to four companions on your reservation. You’ll also receive a companion certificate good for one guest at $99, issued each account anniversary if you spend $30,000 or more on eligible purchases.
You can earn 2x miles for every dollar spent on eligible American Airlines purchases, eligible office supplies, telecom services, and car rentals. Additionally, you earn 5% bonus miles every year after your account anniversary date. For this reason, it’s one of our best business credit cards for miles.
While some of its rewards are lower compared to Barclay’s other cobranded airline business credit cards, American Airlines offers flights to more destinations than Hawaiian Airlines and JetBlue Airways.
Why We Like the AAdvantage® Aviator® World Elite Business Mastercard®
- Sign-up bonus: Earn 80,000 bonus miles and a $95 statement credit after spending $2,000 on purchases in the first 90 days.
- Low annual fee: For a low annual fee of $95, you can reduce your credit costs while earning miles on your purchases and taking advantage of travel perks.
- 5% anniversary bonus miles: 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: Enjoy 25% savings as a statement credit on in-flight purchases of food and beverages.
- No foreign transaction fees: Use your card to make purchases outside of the United States without having to pay international transaction fees.
- Preferred boarding: You and up to four companions on your reservation can enjoy preferred boarding when traveling on flights operated by American Airlines.
- Free flights on various airlines: You can redeem miles for free flights on American Airlines and its Oneworld® airline partners, including:
- Alaska Airlines
- British Airways
- Cathay Pacific
- Finnair
- Iberia Airline
- Japan Airlines
- Malaysia Airlines
- Qatar Airways
- Royal Air Maroc
- Royal Jordanian Airlines
- SriLankan 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 PreCheck®. Moreover, the annual fee of $95 isn’t waived for the first year.
Hawaiian Airlines® World Elite Business Mastercard®: Best for Sharing Miles With Family & Friends
Who Is the Hawaiian Airlines® World Elite Business Mastercard® Best For?
The Hawaiian Airlines® World Elite Business Mastercard® 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. You earn 3x miles on eligible Hawaiian Airlines® purchases, 2x miles on gas, dining, and office supplies, and 1x mile on all other purchases.
The card is great for those who prefer to fly with Hawaiian Airlines. It’s an especially excellent option for business owners who travel to and from Hawaii and other countries in Asia and the South Pacific as the airline has flights to several international destinations (with layovers in Hawaii) and every major Hawaiian Island.
You may visit the Hawaiian Airlines website for more details about its available destinations. If this doesn’t fit your needs, consider either the JetBlue Business Card or the AAdvantage® Aviator® World Elite Business Mastercard®.
Why We Like the Hawaiian Airlines® World Elite Business Mastercard®
- Sign-up bonus: Receive 80,000 bonus miles and a $99 statement credit after spending $2,000 on purchases in the first 90 days.
- Low annual fee: Earn unlimited travel rewards and enjoy travel perks while paying a low annual fee of $99.
- No foreign transaction fees: No need to worry about additional costs when you use your card to make purchases 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: Send and receive miles from family and friends without a fee.
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 it comes with a low annual fee, it doesn’t waive the annual fee for the first year.
JetBlue Business Card: Best for In-flight Food & Beverages Discount
Who Is the JetBlue Business Card Best For?
The JetBlue Business Card is best for business owners who primarily fly with JetBlue Airways. You can enjoy a 50% discount on cocktails and food on JetBlue-operated flights. Plus, you can earn 6x points on JetBlue purchases, 2x on restaurants and office supply stores, and 1x point on all other purchases. It also lets you use your rewards for free JetBlue-operated flights.
This card is also a good option for those who check a bag when traveling as it offers one free checked bag each for you and up to three companions. Plus, you’ll receive 5,000 anniversary bonus points; however, this is lower compared to the bonus points offered by the Hawaiian Airlines® World Elite Business Mastercard®.
Why We Like the JetBlue Business Card
- Sign-up bonus: Earn up to 80,000 bonus points and a $99 statement credit after spending $2,000 on purchases in the first 90 days of card ownership.
- Premium rewards: The JetBlue Business Card offers 6x points on eligible JetBlue purchases—this offer is higher compared to the other Barclays cobranded airline credit cards.
- Low annual fee: Pay a low annual fee of $99 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: Use your card for purchases outside of the US without having to pay international transaction fees.
- $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 for the first year. Additionally, you can only redeem points toward JetBlue vacation packages and flights on JetBlue Airways and Hawaiian Airlines.
Wyndham Rewards Earner® Business Card: Best for Earning Free Hotel Stays at Wyndham Properties
Who Is the Wyndham Rewards Earner® Business Card Best For?
The Wyndham Rewards Earner® Business Card is best for business owners who frequently stay at Wyndham hotels and resorts. You’ll receive 8x points per dollar on purchases made at Wyndham hotels, 5x points per dollar on marketing, advertising, and utilities, and 1x point per dollar on all other purchases. You can use your points for free nights at participating Wyndham Rewards properties. Plus, you can also use your points for online shopping and gift cards.
It’s also good for those who often travel because it doesn’t charge foreign transaction fees. However, if you want to use rewards for free flights, consider the JetBlue Business Card or the AAdvantage® Aviator® World Elite Business Mastercard® instead.
Why We Like the Wyndham Rewards Earner® Business Card
- Sign-up bonus: Earn 45,000 bonus points after spending $2,000 on purchases within the first 90 days of card membership.
- Premium rewards: Receive 8x points per dollar on purchases at Wyndham hotels and eligible gas stations.
- Anniversary bonus: Get 15,000 bonus points every year on your account anniversary.
- Low annual fee: Enjoy earning unlimited rewards for an annual fee of only $95.
- No foreign transaction fee: Use this card to make purchases outside the US without getting charged a foreign transaction fee.
What’s Missing From the Wyndham Rewards Earner® Business Card
While the Wyndham Rewards Earner® Business Card offers a six-month 0% introductory rate for qualifying Wyndham Timeshare purchases, it doesn’t offer interest-free periods on regular purchases and balance transfers. Moreover, it doesn’t waive the annual fee for the first year of card membership.
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 needing a zero-interest financing option on purchases. It comes with a lower ongoing APR than 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
16.24% - 24.24% 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 us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, 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
16.24% - 24.24% 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 us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.24% - 24.24%, 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 earn 2x miles on all purchases and use your rewards on flights, hotels, vacation packages, or as cash back in the form of a statement credit or check by mail. Plus, you can enjoy a 0% APR on purchases for the first nine months of card ownership.
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
15.49% - 25.49% (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 assistance: 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
15.49% - 25.49% (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 assistance: 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.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a great option for business owners needing a long 0% APR period. It offers interest-free financing on purchases and balance transfers for the first 15 billing cycles after opening an account. Plus, it has no annual fee, and you can earn unlimited cash back rewards on your purchases.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
0% for first 15 billing cycles
Regular APR
16.24% - 25.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone service providers, and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned.
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 16.24% to 25.24%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Intro APR
0% for first 15 billing cycles
Regular APR
16.24% - 25.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone service providers, and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned.
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 16.24% to 25.24%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Bottom Line
Barclays offers business credit cards 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 fees. 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.
