Best Barclays Business Credit Cards for 2023
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 offers four co-branded 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 qualify, you need to have a good to excellent credit score.
Here are the four best Barclays business credit cards for 2023:
- AAdvantage® Aviator® World Elite Business Mastercard®: Best for free checked bags and preferred boarding
- Hawaiian Airlines® World Elite Business Mastercard®: Best for premium miles on gas, dining, and office supply stores
- JetBlue Business Card: Best for 50% discount on in-flight food and beverage
- Wyndham Rewards Earner® Business Card: Best for earning free hotel stays at Wyndham properties
Overview of the Best Barclays Business Credit Cards 2023
Best For | Annual Fee | Introductory Offer | Ongoing Rewards | ||
---|---|---|---|---|---|
AAdvantage® Aviator® World Elite Business Mastercard® | Free checked bags and preferred boarding | $95 | Up to 70,000 AAdvantage® bonus miles | Up to 2x AAdvantage® miles per dollar | |
Hawaiian Airlines® World Elite Business Mastercard® | Premium miles on gas, dining, and office supply stores. | $99 | Up to 70,000 Bonus HawaiianMiles | Up to 3x miles per dollar | |
JetBlue Business Card | 50% discount on in-flight food and beverages | $99 | Up to 60,000 bonus points | Up to 6x points per dollar | |
Wyndham Rewards Earner® Business Card | Earning free hotel stays at Wyndham properties | $95 | 75,000 bonus points | Up to 8x points per dollar |
All four Barclays business credit cards are cobranded cards, which means they are ideal for those who are loyal to a specific airline or hotel. The best Barclays credit card for you will depend on three major factors: preferred rewards, airline preference, and the value of the points/miles being offered.
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.
However, if you want to use your rewards for free flights, consider the other cobranded 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 cobranded 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 as follows:
- AAdvantage® Aviator® World Elite Business Mastercard® offers 2x miles on eligible American Airlines purchases
- Hawaiian Airlines® World Elite Business Mastercard® offers 3x miles on Hawaiian Airlines purchases
- JetBlue Business Credit Card offers 6x points on JetBlue purchases
3. How Much Miles & Points Are Worth
You also need to consider how much each point or mile is worth when finding which of Barclays’ business credit cards is right for you:
- AAdvantage® Aviator® World Elite Business Mastercard®: Each AAdvantage® mile has a value ranging from 1 cent to 1.5 cents
- JetBlue Business Credit Card: Each JetBlue TrueBlue point has a value ranging from 1.3 to 1.6 cents
- Hawaiian Airlines® World Elite Business Mastercard®: HawaiianMiles have a value of 1 cent each
Wyndham Rewards Earner® Business Card: Wyndham Rewards points have an average value of 1.1 cents each but, in some instances, the points may be worth more
To see how these 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.
AAdvantage® Aviator® World Elite Business Mastercard®: Best for Free Checked Bags & Preferred Boarding
AAdvantage® Aviator® World Elite Business Mastercard®
BEST FOR:
Business owners who frequently fly American Airlines
- 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
- Consolidated way of earning Loyalty Points
- Doesn’t charge any foreign transaction fees
- With signup bonus
Cons
- Doesn’t offer 0% introductory APR
- Can only obtain rewards by flying with American Airlines and its partner airlines
- With 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 on each card anniversary after meeting spending requirements.
- Preferred boarding: You and up to four companions can board before economy boarding.
- In-flight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.
- 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
- Consolidated way of earning Loyalty Points
- Doesn’t charge any foreign transaction fees
- With signup bonus
Cons
- Doesn’t offer 0% introductory APR
- Can only obtain rewards by flying with American Airlines and its partner airlines
- With 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 on each card anniversary after meeting spending requirements.
- Preferred boarding: You and up to four companions can board before economy boarding.
- In-flight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.
Who Should Consider the AAdvantage® Aviator® World Elite Business Mastercard®
The card is best for business owners who travel frequently and fly primarily with American Airlines. It offers the first checked bag for free and preferred boarding for you and up to four companions when traveling on itineraries operated by American Airlines. It’s one of our best business credit cards for miles because of its low annual fee, premium rewards, and other travel perks.
Rewards:
- 2x AAdvantage® miles on eligible American Airlines purchases, office supply, telecom, and car rental merchants
- 1x AAdvantage® miles on all other purchases
-
- Sign-up bonus: Earn 60,000 bonus miles when you spend $2,000 on purchases in the first 90 days, and an additional 10,000 bonus miles after a purchase is made on an employee card.
- 25% inflight savings: Enjoy 25% savings as a statement credit on in-flight purchases of food and beverages.
- Companion Certificate: Receive one (1) Companion Certificate for your guest at $99, which is issued each year after your account anniversary after spending $30,000 or more on eligible purchases.
- Redeem miles for 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
- Iberia Airline
- Japan Airlines
- Finnair
Important Considerations:
- It does not offer a 0% introductory APR on purchases and balance transfers.
- It doesn’t provide access to airport lounges and does not provide reimbursements or credits for Global Entry or TSA PreCheck®.
- The annual fee of $95 is not waived for the first year.
Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® if you want a card that offers a long introductory APR period and won’t charge you annual fees.
Hawaiian Airlines® World Elite Business Mastercard®: Best for Earning Premium Miles on Gas, Dining, and Office Supply Stores
Hawaiian Airlines® World Elite Business Mastercard®
BEST FOR:
Hawaiian Airlines loyalists
- Earn 50,000 bonus miles after spending $2,000 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
- Doesn’t charge foreign transaction fees
- Low spending requirement for sign-up bonus
- Can share miles with family and friends
Cons
- Has no 0% intro 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
- Earn 50,000 bonus miles after spending $2,000 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
- Doesn’t charge foreign transaction fees
- Low spending requirement for sign-up bonus
- Can share miles with family and friends
Cons
- Has no 0% intro 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
Who Should Consider the Hawaiian Airlines® World Elite Business Mastercard®
It is an excellent option if you either fly with Hawaiian Airlines frequently or spend on gas, dining, and office supply stores. On top of the miles that you can earn, you’ll get a one-time 50% companion discount for round-trip coach travel between Hawaii and North America.
Rewards:
- 3x miles on eligible Hawaiian Airlines purchases
- 2x miles on gas, dining, and office supply stores
- 1x miles on all other purchases
- Sign-up bonus: Receive a 60,000 bonus HawaiianMiles® after spending $2,000 on purchases and an additional 10,000 bonus HawaiianMiles after a purchase is made on an employee card within the first 90 days.
- 50% companion discount: Receive a one-time 50% companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines.
- Share miles: Send and receive miles from family and friends without a fee.
Important Considerations:
- It doesn’t offer a 0% introductory APR on purchases and balance transfers.
- Its premium rewards are locked on purchases made in Hawaiian Airlines.
- There is no mention of offering access to airport lounges and credit for Global Entry or TSA PreCheck®.
JetBlue Business Card: Best for 50% Discount on In-flight Food & Beverages
JetBlue Business Card
BEST FOR:
JetBlue frequent flyers who want excellent rewards
- Earn 80,000 bonus points and a $99 statement credit after spending $2,000 on purchases in the first 90 days.
- 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
- 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.
- Earn 80,000 bonus points and a $99 statement credit after spending $2,000 on purchases in the first 90 days.
- 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
- 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.
Who Should Consider the JetBlue Business Card
This card is best for business owners who fly primarily with JetBlue Airways as it offers discounts of up to 50% on in-flight food and beverages. Note that this only applies to JetBlue-operated flights and that codeshare flights and flights operated by a partner airline are ineligible for inflight purchase savings.
You’ll also receive 5,000 bonus points during your account anniversary as long as your account is in good standing.
Rewards:
- 6x points on eligible JetBlue purchases
- 2x points at restaurants and office supply stores
- 1x points on all other purchases
- Sign-up bonus: Earn 50,000 bonus points after spending $2,000 on purchases in the first 90 days and an additional 10,000 bonus points when a purchase is made on an employee card.
- Annual $100 statement credit: Purchase a JetBlue Vacations package of $100 or more with your JetBlue Business Card and receive an annual statement credit of $100.
- Points pooling: You can share your points with family and friends who are also members of the JetBlue rewards program.
- Group A boarding: Enjoy preferred Group A boarding on JetBlue-operated flights.
- Free first checked bag: Get a free first checked bag for you and up to three (3) eligible travel companions on JetBlue-operated flights.
Important Considerations:
- It doesn’t offer a 0% introductory period on purchases and balance transfers.
- It doesn’t provide access to airport lounges and credits for Global Entry or TSA PreCheck®
- It has limited redemption options as you can only redeem your points toward JetBlue vacation packages and flights to JetBlue Airways and Hawaiian Airlines.
Wyndham Rewards Earner® Business Card: Best for Earning Free Hotel Stays at Wyndham Properties
Wyndham Rewards Earner® Business Card
BEST FOR:
Those who frequently stay at Wyndham hotels
- 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 annual percentage rate (APR) on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous sign-up bonus
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee of $95
- 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.
- 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 annual percentage rate (APR) on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous sign-up bonus
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee of $95
- 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.
Who Should Consider the Wyndham Rewards Earner® Business Card
This is best for business owners who stay at Wyndham hotels and resorts frequently. It is also a good option for those who often travel because it doesn’t charge foreign transaction fees. You can use your earned points for free nights at participating Wyndham Rewards properties or for online shopping and gift cards. You can also enjoy exclusive booking discounts at participating Hotels by Wyndham.
Rewards:
- 8x points per dollar spent on eligible purchases made at Wyndham hotels and on qualifying gas purchases
- 5x points per dollar spent on eligible marketing, advertising, and utility purchases
- 1x point per dollar spent on all other purchases (excluding Wyndham Timeshare resort down payments).
- Sign-up bonus: Earn up to 75,000 bonus points—50,000 bonus points after spending $3,000 on purchases within the first 90 days, and 25,000 bonus points after spending $10,000 within the first 12 months.
- Anniversary bonus: Get 15,000 bonus points every year on your account anniversary.
- Automatic DIAMOND level benefits: As a Wyndham Rewards Earner® Business Card owner, you’ll automatically receive Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenities at check-in, and Avis® and Budget® car rental upgrades.
Important Considerations:
- It doesn’t offer 0% introductory APR on purchases and balance transfers.
- The annual fee is not waived for the first year.
Alternatives to Barclays Business Credit Cards
One limitation of Barclays business credit cards is that premium rewards are locked on purchases made on specific airlines and hotels. Consider the alternative business credit cards below if you are looking for a more flexible travel rewards business credit card.
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending less than $19,000
- 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.
- 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.
This is a viable option if you are looking for a fixed-rate travel rewards business credit card. It also offers premium rewards if you book your hotels and rental cars through Capital One Travel. What’s more, it comes with a 0% introductory period on purchases. It is for these reasons that it is our top-recommended business credit card for travel and one of our best business credit cards for miles.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone 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 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 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone 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 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 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
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.
Consider this card if you seek a long 0% introductory period on purchases and balance transfers (for the first 15 billing cycles). It also offers premium rewards on travel booked in the Travel Rewards Center, gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants. Those are a few reasons we included it in our roundups of the best small business credit cards, best credit cards for new businesses with no credit history, and best business credit cards for balance transfers.
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
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- 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 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
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 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 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.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- 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 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
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 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 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.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
The card is an excellent choice if you want access to luxury travel perks such as airport lounges and credit when you pay for Global Entry and TSA PreCheck®. While it charges a high annual fee of $695, its premium rewards and features make it our top-recommended business credit card with airport lounge access and one of our best business credit cards for travel.
Frequently Asked Questions (FAQs)
The odds of your application being approved will largely depend on your credit score, income, and debt. Note that you need Good to Excellent credit scores to get approved.
You can apply online or by calling (800) 308-6008. 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.
Bottom Line
Barclays offers co-branded 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, no foreign transaction fees, and different perks and benefits. When choosing from the best Barclays business credit cards, consider your preferred airline, the type of rewards you want to earn, and how much miles and points are worth.