Barclays Avios Rewards vs Funding Circle Business Cashback Card
Side-by-side comparison for UK businesses
| Feature | Barclays Avios Rewards | Funding Circle Business Cashback Card |
|---|---|---|
| Annual fee | £0 | £0 |
| Monthly fee | £12 | None |
| Welcome bonus | 25,000 Avios (account switchers) or 2,500 Avios (existing customers) | 2% cashback for first 6 months (capped at £2,000) |
| Earn rate (default) | 0x | 1x |
| Rewards currency | Avios | cashback |
| Card type | personal | business |
Data last verified March 2026. Check issuer websites for the latest terms.
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
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