4 Best Barclays Business Cards

Jodie Price

By Jodie Price | Updated September 15, 2025

Finding the right business credit card can make everyday expenses more rewarding and travel more affordable. Barclays offers several strong options that give small business owners airline miles, hotel points, and other valuable perks. This guide highlights the four best Barclays business cards so that anyone can quickly see which one fits their travel and spending needs.

  • AAdvantage® Aviator® World Elite Business Mastercard®

    The AAdvantage® Aviator® World Elite Business Mastercard® is designed for small business owners who frequently fly with American Airlines. It helps cardholders earn rewards on both travel and everyday business purchases.

    This card also provides travel perks that can make business trips smoother. Its features support both cost savings and earning potential for those loyal to American Airlines.

    Earning Structure:

    • 2x miles on eligible American Airlines purchases
    • 2x miles on select business categories (such as office supply, telecom, and car rentals)
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can earn 75,000 bonus miles after spending $4,000 in the first three months of opening the account.

    Card Details:

    • Annual fee: $95
    • APR: Variable, typically around 21.24%–29.99%
    • Other benefits: Free first checked bag, preferred boarding on American Airlines flights
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None
    • Additional perks: Companion certificate after meeting spending requirements

    Key Benefits:

    • Earn miles on both travel and business expenses
    • Free checked bag on domestic American Airlines flights
    • Preferred boarding privileges
    • No foreign transaction fees
    • Companion certificate opportunity

    Redemption Options:

    Miles can be redeemed for flights, seat upgrades, vacation packages, and other American Airlines AAdvantage program rewards.

    Credit Requirements:

    Applicants generally need good to excellent credit to qualify.

    Spending Limitations / Potential Drawbacks:

    The card is most valuable for frequent American Airlines flyers, so its benefits may not suit travelers who prefer other airlines.

    Why it Works for Beginners:

    It offers straightforward earning and redemption options, making it easy for new business cardholders to understand and use effectively.

  • JetBlue Business Card

    The JetBlue Business Card is designed for small business owners who fly often with JetBlue. It focuses on earning travel rewards that can be used directly with the airline. This card also provides travel-related perks that make it easier to manage frequent trips.

    Earning Structure:

    • 6x points on eligible JetBlue purchases
    • 2x points at restaurants and office supply stores
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 50,000 points after spending $1,000 within the first three months of joining.

    Card Details:

    • Annual fee: $99
    • APR: Variable, 20.24% or 29.99%
    • Other benefits: Free first checked bag for the cardholder and companions, in-flight savings
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Earn higher rewards on JetBlue purchases
    • Free checked bag on eligible flights
    • In-flight food and drink discounts
    • Points never expire as long as the account is open

    Redemption Options:

    Points can be redeemed for JetBlue flights, seat upgrades, and vacation packages.

    Credit Requirements:

    There are no specific credit score or qualification requirements for this card.

    Spending Limitations / Potential Drawbacks:

    The card rewards are tied mainly to JetBlue, so it lacks flexibility compared to general travel cards.

    Why it Works for Beginners:

    It offers simple earning categories and straightforward redemptions, making it easy for new business cardholders to manage.

  • Hawaiian Airlines® World Elite Business Mastercard®

    The Hawaiian Airlines® World Elite Business Mastercard® is a co-branded credit card issued by Barclays. It is designed for business owners who travel often with Hawaiian Airlines and want to earn rewards on flights and everyday purchases. This makes it easier for businesses to collect miles that can be redeemed for flights, upgrades, and other travel perks.

    Earning Structure:

    • 3x miles on eligible Hawaiian Airlines purchases
    • 2x miles on gas, dining, and office supply store purchases
    • 1x mile on all other purchases

    Welcome Bonus:

    New cardholders can qualify for a 50,000 HawaiianMiles bonus after spending $4,000 and paying the annual fee within the first three months.

    Card Details:

    • Annual fee: $99
    • APR: Variable, based on creditworthiness
    • Other benefits: Free checked bag on Hawaiian Airlines flights, companion discount, in-flight purchase discounts
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Earn bonus miles on common business expenses
    • Free checked bag for the primary cardholder
    • Companion discount on flights
    • No foreign transaction fees
    • Access to Mastercard business tools and protections

    Redemption Options:

    Miles can be redeemed for flights, seat upgrades, and sharing miles with family or employees.

    Credit Requirements:

    Applicants generally need excellent credit, typically a FICO score of 700 or higher, to qualify.

    Spending Limitations / Potential Drawbacks:

    The card’s best value comes from frequent travel with Hawaiian Airlines, which may limit its usefulness for businesses outside of Hawaii or major route cities.

    Why it Works for Beginners:

    The earning categories are straightforward, and the direct link to HawaiianMiles helps first-time business card users easily understand and redeem rewards.

  • Wyndham Rewards Earner® Business Card

    The Wyndham Rewards Earner® Business Card is designed for small business owners who often stay at Wyndham properties. It provides a way to earn hotel rewards on both travel and everyday business expenses.

    This card focuses on delivering value to those loyal to Wyndham Hotels & Resorts. It also includes benefits that make it easier to manage spending while earning points toward free nights.

    Earning Structure:

    • 8x points on Wyndham hotel stays and gas
    • 5x points on marketing, advertising, and utilities
    • 1x point on all other purchases

    Welcome Bonus:

    New cardholders can earn 45,000 bonus points after spending $3,000 within the first three months.

    Card Details:

    • Annual fee: $95
    • APR: Variable, around 21.24%–29.99%
    • Other benefits: Complimentary Wyndham Rewards Diamond status
    • Network: Mastercard
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • High rewards on Wyndham stays
    • Bonus categories for business expenses
    • Automatic elite status with Wyndham
    • No foreign transaction fees
    • Strong hotel redemption value

    Redemption Options:

    Points can be redeemed for free or discounted stays at Wyndham properties, as well as for gift cards and other travel-related options.

    Credit Requirements:

    Applicants typically need good to excellent credit with a FICO score of 670–850.

    Spending Limitations / Potential Drawbacks:

    The card is most rewarding for Wyndham loyalists, so travelers who prefer other hotel brands may find it less valuable.

    Why it Works for Beginners:

    It offers simple earning categories and straightforward redemption, making it easy for new cardholders to maximize rewards.

Frequently Asked Questions

What are the eligibility requirements for a Barclays business credit card?

Applicants usually need to own a business or operate as a sole proprietor to qualify. Barclays also reviews personal credit history, business income, and overall financial health. Strong credit scores improve approval chances, especially for travel-focused cards.

How do I apply for pre-approval for a Barclays business credit card?

Barclays sometimes provides targeted offers that allow business owners to check for pre-approval online. This process uses a soft credit inquiry, which does not affect credit scores. Receiving a pre-approval offer does not guarantee final approval once a full application is submitted.

What are the benefits associated with the Barclays American Airlines business credit card?

The AAdvantage® Aviator® World Elite Business Mastercard® offers perks like free checked bags, priority boarding, and companion certificates. Cardholders earn bonus miles on airline and business expenses. These benefits make it a strong option for small business owners who fly American Airlines frequently.

Can I manage my Barclays business credit card account online?

Yes, cardholders can log in through Barclays’ online platform or mobile app. They can view transactions, pay bills, and redeem rewards digitally. This makes it easier to track spending and manage accounts without relying on paper statements.

What are the top Barclays business credit cards available for small businesses?

The AAdvantage® Aviator® and Wyndham Rewards Earner® Business Cards are strong picks for frequent travelers. The JetBlue Business Card is valuable for business owners near JetBlue hubs, while the Hawaiian Airlines Business Card benefits island travelers. Each option tailors rewards and perks to different travel preferences.