British Airways American Express Accelerating Business Card vs Funding Circle Business Cashback Card
Side-by-side comparison for UK businesses
| Feature | British Airways American Express Accelerating Business Card | Funding Circle Business Cashback Card |
|---|---|---|
| Annual fee | £250 | £0 |
| Monthly fee | None | None |
| Welcome bonus | 30,000 Avios | 2% cashback for first 6 months (capped at £2,000) |
| Earn rate (default) | 1.5x | 1x |
| Rewards currency | Avios | cashback |
| Card type | business | business |
Data last verified March 2026. Check issuer websites for the latest terms.
British Airways American Express Accelerating Business Card
The best card for earning Avios on business spend. 1.5 Avios per £1, 30k welcome bonus, and milestone bonuses at every £20k. One of the few Amex business cards still open to sole traders.
Annual cost
£250
Earn rate
1.5x
Welcome bonus
30,000 Avios
Best for
AviosBA loyalty
Key benefits
- • 1.5 Avios per £1 on all spend
- • 10,000 bonus Avios per £20,000 spent (up to 3x per year)
- • 2 On Business points per £1 on BA flights
- • Available to sole traders
Funding Circle Business Cashback Card
Strong cashback card for established SMEs. 1% uncapped on all spend, no FX fees, free employee cards, and limits up to £250k. Requires at least a year of trading and £40k turnover.
Annual cost
Free
Earn rate
1x
Welcome bonus
2% cashback for first 6 months (capped at £2,000)
Best for
CashbackInternational spend
Key benefits
- • 1% uncapped cashback on all spend
- • No annual or monthly fee
- • No foreign transaction fees
- • Credit limits up to £250,000