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At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one
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so you can trust that our content is honest and accurate. Our award-winning editors and
reporters create honest and accurate content to help you make the right financial
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staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and
useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison
service. We are compensated in exchange for placement of sponsored products and
services, or by you clicking on certain links posted on our site. Therefore,
this compensation may impact how, where and in what order products appear within
listing categories, except where prohibited by law for our mortgage, home equity
and other home lending products. Other factors, such as our own proprietary
website rules and whether a product is offered in your area or at your
self-selected credit score range, can also impact how and where products appear
on this site. While we strive to provide a wide range of offers, Bankrate does not
include information about every financial or credit product or service.
Barclays offers four co-branded business credit cards that allow small-business owners to earn rewards from American Airlines, JetBlue, Hawaiian Airlines, and Wyndham Hotels. The value of these cards depends on whether you are willing to pay an annual fee and if the additional perks work with your business travel preferences and spending habits. Here’s a comparison of Barclays business credit cards to show how they stack up.
Comparing the best Barclay business credit cards
Card Name
Best for
Highlights
Annual fee
Bankrate review score
AAdvantage® Aviator® World Elite Business Mastercard®
American Airlines frequent flyers
2X AAdvantage miles on eligible American Airlines purchases
2X AAdvantage miles on car rentals and select telecom and office supply purchases
8X Wyndham points on eligible Wyndham purchases and qualifying gas purchases
5X Wyndham points on eligible marketing, advertising and utility purchases
$95
3.1
Top Barclays business credit cards
Best for American Airlines frequent flyers
AAdvantage® Aviator® World Elite Business Mastercard®
This card is one of the best business cards for American Airlines, earning 2X American AAdvantage miles on eligible American Airlines purchases and at eligible office supply, telecom and car rental companies, and 1X on all other purchases. You’ll also get a 5 percent mileage bonus every year on your cardmember anniversary based on the total miles earned on the card.
A $95 annual fee provides solid in-flight benefits, no foreign transaction fees and the ability to spend towards a companion certificate. However, it’s not currently available for new applications while Barclays considers possible changes to the card.
Pros
You’ll earn loyalty points towards AAdvantage elite status through your spending on the card.
You can use AAdvantage miles to book partner awards within the Oneworld alliance and 8 other airlines, often at better rates.
Cons
Using AAdvantage miles is subject to availability and can be dynamically priced, making ideal redemptions more challenging to find.
There has yet to be a timetable for when this card will be available for new applications.
Best for JetBlue loyalists
JetBlue Business Card
Rating: 3.1 stars out of 5
3.1
The JetBlue Business Card is a tidy, all-around value play for business owners. The JetBlue Business Card has a $99 annual fee and earns 6X JetBlue TrueBlue points on JetBlue purchases, 2X points on restaurant and office supply purchases and 1X points on all other purchases. The welcome offer is worth up to 60,000 bonus points: 50,000 bonus points after you spend $4,000 in the first 90 days of account opening and an additional 10,000 bonus points after making a purchase on an employee card.
Your points won’t expire and can be redeemed for Hawaiian Airlines or Qatar Airways flights. In addition, JetBlue TrueBlue lets you pool points with up to 7 friends and family members to help make the most of your rewards and your spending also counts towards earning Mosaic status.
Pros
You’ll earn bonus miles on your anniversary which can help offset the annual fee.
The card gives you a rebate when using points for JetBlue-operated flights, which can benefit frequent travelers.
Cons
Earning Mosaic status through spending alone has a high spending requirement.
Bonus category earning rates outside JetBlue purchases are mediocre compared to other travel cards.
Best for frequent Hawaiian Airlines travelers
Hawaiian Airlines® World Elite Business Mastercard®
Rating: 4.1 stars out of 5
4.1
There’s plenty of value on this card for Hawaiian Airlines business travelers, all for a low cost. For a $99 annual fee, this card earns 3X miles on eligible Hawaiian Airlines purchases, 2X miles on gas, dining and office supply store purchases, and 1X miles on all other purchases. The card comes with a solid welcome offer of up to 70,000 HawaiianMiles, earning 60,000 miles after spending $2,000 within the first 90 days of account opening, plus an additional 10,000 miles after a purchase is made on an employee card in that timeframe.
You’ll also get a one-time 50 percent companion discount, anniversary bonus miles based on spending, no foreign transaction fees, and you can share miles with friends and family with no transfer fee.
Pros
The spending requirement for the card’s high-value welcome offer is reasonable.
The ability to share your miles with others offers strong reward flexibility.
Cons
The companion discount is only valid for flights in Hawaii and North America.
Earning anniversary bonus miles requires high spending to achieve.
Best for Wyndham Hotels stays
Wyndham Rewards Earner® Business Card
Rating: 3.1 stars out of 5
3.1
For a $95 annual fee, you’ll get automatic top-level Diamond status, booking discounts, and no foreign transaction fees. This card is also a surprisingly strong gas rewards card, featuring the strongest gas bonus category rate of all Barclays business cards.
This card earns 8X Wyndham Rewards points at Hotels by Wyndham and gas stations, 5X for eligible marketing, advertising and utility purchases, and 1X on all other purchases. The limited-time welcome offer can earn 100,000 points: You’ll earn 50,000 after spending $4,000 in the first 90 days and another 50,000 for sending $15,000 within the first 12 months.
Pros
This card earns one of the best rates available on gas station purchases.
Automatic Diamond status and booking discounts provide extra value for frequent Wyndham stays.
Cons
The card’s earning rates outside its bonus categories are poor compared to other travel cards.
Diamond status with Wyndham doesn’t provide as much value as top-tier status at other hotel brands.
How to choose the best Barclays business card
Barclays business credit cards are co-branded travel cards, which makes them less flexible than standard travel rewards business cards. They all offer standard business perks like complimentary employee cards and expense management.
Business owners who want to earn rewards with Barclays’ co-branded programs will most benefit from these cards. But if you don’t typically utilize one of their programs, you should look for a business card that aligns better with your needs and spending habits. When choosing the best business credit card from Barclays, consider the following factors:
Find out how much points and miles are worth: According to our points and miles valuations, HawaiianMiles are worth 0.7 cents, Wyndham Rewards are worth 0.9 cents, AAdvantage miles are worth 1.0 cents, and JetBlue TrueBlue points are worth up to 1.3 cents on average. These numbers can help you better visualize the overall value of your points. For example, earning 8X Wyndham points on a gas purchase is worth a minimum 7.2 percent return, with the potential for more value with the proper redemption.
Evaluate your travel needs: Since Barclays only offers co-branded business cards, it makes sense to consider one if that airline or hotel fits your travel needs. The points earned only work with the co-branded program, so you might want to look at other options if you travel with more than one airline.
Consider additional benefits: See if the card you choose offers cardholder perks you’re interested in, especially if they can benefit your business. There are many helpful business tools outside travel rewards, like free employee cards, software integrations, and accounting tools.
Barclays business cards all offer bonus categories and additional co-branded perks on each card. Some provide instant value while others require significant spending to unlock. For those, you’ll need to decide whether allocating that much spending makes the most sense for your business.
Bonus categories
Make your spending decisions wisely based on your needs.
The best way to maximize spending on any card is to use bonus categories to earn additional points, and that’s no different for Barclay’s business cards. The most obvious way to do that with Barclays business cards is to use the card on its respective airline or hotel brand.
The other bonus categories are geared toward business spending in categories like office supply stores. These additional categories can help you earn a little extra on the way to earning other milestones, like a companion certificate or elite status.
While you can usually get better rates on the other bonus categories with other cards or programs, there are exceptions, notably on the Wyndham card. The rate for gas stations is one of the highest available, and the 5X categories offer solid returns in uncommon reward categories. Most businesses have utility bills, so using that card is one of the few options to earn better than flat-rate bonuses on those expenses.
Co-branded perks
Barclays’ business card offerings carry unique perks and milestones to their specific brand. These can incentivize spending and provide potential outsized value, although some perks have high spending requirements to utilize.
The AAdvantage card offers a 5 percent AAdvantage mileage bonus every year after your account anniversary (terms apply) based on the amount of spending you put on the card. Other card benefits include preferred boarding and your first checked bag free (for you and up to four companions on domestic American itineraries), an annual companion certificate for one guest (worth $99) when you spend $30,000 or more each year and your account remains open 45 days past the anniversary date and 25 percent in-flight savings on food and beverages.
These perks benefit frequent travelers, and card spending can also give great value in the right scenario. If you spent $30,000 all within any 2X category, you’d earn the companion certificate, 60,000 miles from spending, plus a 1,500-mile bonus at the end of the year. Considering award flights start as low as 7,500 miles, that’s an excellent return.
You can also earn 1X loyalty point for every eligible mile from purchases, meaning you can spend your way to elite status. However, these benchmarks are very high. It takes $40,000 in spending to earn AAdvantage Gold status and a whopping $200,000 to earn AAdvantage Executive Platinum status. While this feature can help qualify for status, we don’t recommend relying solely on spending to achieve status with this card.
The JetBlue card offers Group A boarding and a free first checked bag for you and up to three companions on JetBlue-operated flights, 5,000 bonus points each year after your account anniversary, 50 percent savings on in-flight purchases, 10 percent discount on award redemptions on JetBlue-operated flights and an annual $100 statement credit each year after purchasing a JetBlue Vacations package.
The common theme with Barclays airline-branded business cards is the benefits for frequent travelers, which this card provides. The anniversary bonus points and statement credit for JetBlue Vacations also go a long way toward offsetting the annual fee.
You can also earn points towards Mosaic status through spending. This is only a wise move if spending on JetBlue purchases. For basic Mosaic status, you’d need either $5,000 in JetBlue spending or $50,000 in credit card spending. For top-tier Mosaic status, that would cost $25,000 in JetBlue spending or a massive $250,000 in credit card spending. Earning points towards status through spending is best suited as a supplement, not the primary method.
The perks on the HawaiianMiles card don’t provide the immediate value of the other cards, but the potential is there if you spend enough. You can earn 20,000 miles if you spend $50,000 to $99,999 in annual purchases or 40,000 miles if you spend $100,000 or more in annual purchases. The spending requirement is very high and the bonus categories outside Hawaiian Airlines purchases are mediocre compared to other cards. It’s not a good value to spend significantly just to earn these miles, although they provide a nice boost if your business reaches these marks organically.
This card also includes a one-time 50 percent companion discount for a roundtrip coach flight between Hawaii and North America on Hawaiian Airlines. This discount is limited compared to the AAdvantage certificate. You only get it once, and you still have to book a roundtrip and pay half the cost for your companion, meaning a more expensive flight reduces its value.
The Wyndham card pays for itself with its additional offerings. You’ll get 15,000 bonus points each anniversary year (worth around $135) which will more than offset the annual fee. With rates starting as low as 7,500 points per night, this can be enough for two free nights and offers more flexibility than a card that just gives you an annual free night certificate.
You’ll also get more value from automatic Diamond status, which provides welcome amenities at check-in and can lead to suite upgrades. Other cards with top-tier status have much higher annual fees. Cardmembers also get a booking discount on cash and award bookings, with goFree awards costing 10 percent less. This card provides the most straightforward value of all Barclays’ business cards.
Frequently asked questions
Yes, Barclays can respond instantly after submitting a business card application. However, your application may be reviewed for up to 14 days before you’ll get a decision.
All business structures, including corporations, limited liability companies, partnerships, and sole proprietorships, can open a business credit card. For your tax ID, you can use your Employer Identification Number or your Social Security number if you are a sole proprietor.
You can request a credit limit increase online through your Barclays account. Select “Request a credit line increase” under the “Services” menu. Barclays may perform a hard credit inquiry to determine eligibility for a limit increase, which may negatively impact your credit score. A higher credit limit can improve your credit utilization ratio.
What’s next?
Get the resources and products you need to grow your business.
Barclays business credit cards offer solid travel rewards in three airline programs and Wyndham hotels for annual fees between $95 and $99. Spending with that program on the card gives the highest rewards, but they all carry additional bonus categories that can work for your everyday spending. But if these co-branded programs don’t work for you, check out other top business credit cards from different issuers to see what better suits your needs.
*All information about the AAdvantage® Aviator® World Elite Business Mastercard®, JetBlue Business Card, Hawaiian Airlines® World Elite Business Mastercard®, and Wyndham Rewards Earner® Business Card has been collected independently by Bankrate and has not been reviewed or approved by the issuer.
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APA:
Flanigan, R. (2024, April 26). Best Barclays business cards. Bankrate. Retrieved May 04, 2025, from https://www.bankrate.com/credit-cards/business/best-barclays-business-cards/
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MLA:
Flanigan, Ryan. "Best Barclays business cards." Bankrate. 26 April 2024, https://www.bankrate.com/credit-cards/business/best-barclays-business-cards/.
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Chicago:
Flanigan, Ryan. "Best Barclays business cards." Bankrate. April 26, 2024. https://www.bankrate.com/credit-cards/business/best-barclays-business-cards/.
We are an independent, advertising-supported comparison service. Our
goal is to help you make smarter financial decisions by providing you
with interactive tools and financial calculators, publishing original
and objective content, by enabling you to conduct research and compare
information for free - so that you can make financial decisions with
confidence.
Bankrate has partnerships with issuers including, but not limited to,
American Express, Bank of America, Capital One, Chase, Citi and
Discover.
The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one
you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly,
people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit
card industry year-round to:
Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions.
Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience.
Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way,
we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first.
Our award-winning editors and reporters create honest and accurate content to help you make the right
financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have
editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial
content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and
our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you
make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced
by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked
to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and
dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master
your money for over four decades.
We continually strive to provide consumers with the expert advice and tools needed to
succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy,
so you can trust that our content is honest and accurate. Our award-winning editors and
reporters create honest and accurate content to help you make the right financial
decisions. The content created by our editorial
staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and
useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison
service. We are compensated in exchange for placement of sponsored products and
services, or by you clicking on certain links posted on our site. Therefore,
this compensation may impact how, where and in what order products appear within
listing categories, except where prohibited by law for our mortgage, home equity
and other home lending products. Other factors, such as our own proprietary
website rules and whether a product is offered in your area or at your
self-selected credit score range, can also impact how and where products appear
on this site. While we strive to provide a wide range of offers, Bankrate does not
include information about every financial or credit product or service.
Quick citation guide
Select a citation to automatically copy to clipboard.
APA:
Flanigan, R. (2024, April 26). Best Barclays business cards. Bankrate. Retrieved May 04, 2025, from https://www.bankrate.com/credit-cards/business/best-barclays-business-cards/
Copied to clipboard!
MLA:
Flanigan, Ryan. "Best Barclays business cards." Bankrate. 26 April 2024, https://www.bankrate.com/credit-cards/business/best-barclays-business-cards/.
Copied to clipboard!
Chicago:
Flanigan, Ryan. "Best Barclays business cards." Bankrate. April 26, 2024. https://www.bankrate.com/credit-cards/business/best-barclays-business-cards/.
