Best Barclays Business Credit Cards for 2023
This article is part of a larger series onBest Small Business Credit Cards.
Editor’s note:This is a recurring post with regularly updated card details.
Barclays offers 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.
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 substantial annual purchases
- 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
Barclays Business Credit Cards at a Glance
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® |
Substantial annual purchases |
$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 70,000 bonus points |
Up to 6x points per dollar |
Wyndham Rewards Earner® Business Card |
Earning free hotel stays at Wyndham properties |
$95 |
45,000 bonus points |
Up to 8x points per dollar |
Note:To qualify for any of the best Barclays business credit cards, you need to have a good to excellent credit score.
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 Cardoffers 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, clickAdd to Compareon 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 that 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.
- 同伴证书:Receive one discounted companion ticket, 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.
- 同伴证书:Receive one discounted companion ticket, 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 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 can earn 2x miles for every dollar spent on eligible American Airlines purchases, eligible office supplies, telecom services, and car rentals. Additionally, receive a 5% bonus miles on the total number of miles earned every year after your account anniversary date.
Spend $30,000 or more per year:Receive a companion certificate good for one guest at $99, issued on each account anniversary when you spend $30,000 or more on eligible purchases.
Other Benefits of the AAdvantage® Aviator® World Elite Business Mastercard®
- 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.
- 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.
- 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 US without having to pay international transaction fees.
- 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
Its generous rewards and other travel perks are few of the reasons why the AAdvantage® Aviator® World Elite Business Mastercard® is one of ourbest business credit cards for miles.
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 orTSA PreCheck. Moreover, the annual fee of $95 isn’t waived for the first year.
Hawaiian Airlines® World Elite Business Mastercard®: Best for Substantial Annual Purchases
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®
The Hawaiian Airlines® World Elite Business Mastercard® is an excellent option your business can spend $100,000 or more annually. You can earn 20,000 annual bonus miles if you spend $50,000 to $99,999 on annual purchases or 40,000 bonus miles if your annual expenses reach at least $100,000.
The card is great for those who prefer to fly with Hawaiian Airlines. It offers 3x miles on eligible Hawaiian Airlines® purchases, 2x miles on gas, dining, and office supplies, and 1x mile on all other purchases. 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.
Check the airline’s available destinations:在你申请这张卡片之前,访问夏威夷Airlines website for more details about its available destinations. If this isn’t the best Barclays business credit card for you, consider either the JetBlue Business Card or the AAdvantage® Aviator® World Elite Business Mastercard®.
Other Benefits of the Hawaiian Airlines® World Elite Business Mastercard®
- 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.
- Low annual fee:Earn unlimited travel rewards and enjoy travel perks while paying a low annual fee of $99.
- No foreign transaction fees:不需要担心额外成本时se 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.
- 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. There’s also no mention of the card 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.
- 购买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.
- 购买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
The JetBlue Business Card is best for business owners who primarily fly with JetBlue Airways. You can enjoy a 50% discount on cocktails, beer, wine, and meals 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.
It’s also a good option if you need to 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 bonus points during your account anniversary as long as your account is in good standing. While this is lower compared to the bonus points offered by the Hawaiian Airlines® World Elite Business Mastercard®, you don’t need to meet any annual spending requirement to receive anniversary bonus points.
Enjoy an 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.
Other Benefits of the JetBlue Business Card
- Sign-up bonus:Earn 60,000 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.
- Low annual fee:Pay a low annual fee of $99 while earning unlimited rewards that never expire.
- No foreign transaction fee:Use your card for purchases outside of the US without having to pay international transaction fees.
- 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.
What’s Missing From the JetBlue Business Card
Similar to other cards on this list, 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. It also doesn’t offer access to airport lounges, as well as credits for Global Entry or TSA PreCheck. Additionally, it has limited redemption options—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
Wyndham Rewards Earner® Business Card
BEST FOR:
Those who frequently stay at Wyndham hotels
- 赚75000加分后支出3000美元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:收到一个自动温德姆奖赏钻石级别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.
- 赚75000加分后支出3000美元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:收到一个自动温德姆奖赏钻石级别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
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 or for online shopping and gift cards. You can also enjoy exclusive booking discounts at participating Hotels by Wyndham.
The card is also a good option 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 other Barclays cards on this list.
Take advantage of 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. You can also gift one GOLD level membership to a friend or family. For a list of benefits,visit the Wyndham Rewards website.
Other Benefits of 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.
- 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.
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
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- 获得500美元的现金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 18.99% - 27.99%.
- 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.
- 购买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.
- 获得500美元的现金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 18.99% - 27.99%.
- 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.
- 购买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.
- Is a great option if you need along 0% APR period,as it offers interest-free financing on purchases and balance transfers for the first15 billing cyclesafter opening an account
- Hasno annual fee, but charges a foreign transaction fee of 3% per transaction
- Lets you earn$500 bonus cash backafter spending $4,500 in the first 150 days of card ownership
- Offers unlimited cash back rewards on your purchases, as follows:
- 5% cash backon prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash backat gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants
- 1% cash backon all other purchases
For more options from U.S. Bank, check out our roundup for thebest U.S. Bank business credit cards.
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards and instant approval
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- 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 helps get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts to 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- 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 helps get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts to 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.
- Is an excellent alternative for business owners needing alower ongoing APRthan Barclays business credit cards
- Offers0% APR on purchasesfor the first 12 months after opening an account
- Hasno annual feebut charges a 2.7% foreign transaction fee
- Lets you earn unlimited cash back:
- 2% cash backon all eligible purchases on up to $50,000 per calendar year
- 1% cash backwhen the cap is met
For other American Express alternatives, see our list of thebest American Express business credit cards.
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
- 有限的航空公司合作伙伴
- 购买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
- 有限的航空公司合作伙伴
- 购买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.
- Is best for business owners who prefer to earnfixed-rate travel rewards
- Lets you earnunlimited 2x mileson all purchases
- Allows you to use your rewards onflights, hotels, vacation packagesor ascash backin the form of a statement credit or check by mail
- Hasno annual fee,no balance transfer fee, andno foreign transaction fee
- Offers a0% APR on purchasesfor the first nine months of card ownership
To see other alternatives from Capital One, refer to our guide on thebest Capital One business credit cards.
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, 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.
Check out our roundup of thebest small business credit cardsto find other options.