American Express Gold Business Card vs Barclays Avios Rewards
Side-by-side comparison for UK businesses
| Feature | American Express Gold Business Card | Barclays Avios Rewards |
|---|---|---|
| Annual fee | £195 | £0 |
| Monthly fee | None | £12 |
| Welcome bonus | 20,000 Membership Rewards points | 25,000 Avios (account switchers) or 2,500 Avios (existing customers) |
| Earn rate (default) | 1x | 0x |
| Rewards currency | membership rewards | Avios |
| Card type | business | personal |
Data last verified March 2026. Check issuer websites for the latest terms.
American Express Gold Business Card
The go-to business card for UK companies spending £3k+ per month. Strong earn rate on travel, solid welcome bonus, and genuinely useful travel perks.
Annual cost
£195
Earn rate
1x
Welcome bonus
20,000 Membership Rewards points
Best for
TravelAvios
Key benefits
- • Airport lounge access (2 visits per year)
- • Comprehensive travel insurance
- • No foreign transaction fees
- • Expense management tools
Barclays Avios Rewards
Not a credit card — a banking rewards programme bundled with Barclays Premier. Earns 1,500 Avios monthly for £12/month. Requires £75k income or £100k in savings. Good for passive Avios stacking alongside a spend card.
Annual cost
£144
Earn rate
0x
Welcome bonus
25,000 Avios (account switchers) or 2,500 Avios (existing customers)
Best for
Avios collectingBA loyalty
Key benefits
- • 1,500 Avios per month just for holding the account
- • 7,000 bonus Avios or BA cabin upgrade voucher annually
- • Discounted airport lounge access worldwide
- • Extra Avios for Barclays mortgage, loan, and insurance products