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Card & Current

Provider profileLast checked 8 November 2026

American Express Business cards

Two business charge cards, Business Gold and Business Platinum, for UK limited companies and LLPs, and the British Airways Accelerating Business credit card, which sole traders can also apply for. All earn points or Avios and carry an annual fee.

By the editorial team. All accounts we've researched.

Cheapest plan
Business Gold: £195 a year (£0 in the first year)
Available in
UK
Your money
Credit card · no deposits held

What it is

The cards are offered by American Express Services Europe Limited (company number 1833139), authorised and regulated by the FCA under registration number 661836.

How your money is protected

These are charge and credit cards from a lender: you spend on credit and repay American Express, and it doesn't hold your deposits, so FSCS deposit protection doesn't apply. If you overpay, American Express returns the overpayment and pays no interest on it.

Our e-money vs bank account guide explains what this means if a provider fails.

Who can open one

Business Gold and Business Platinum: UK limited companies and LLPs, applied for by a director or member aged 18 or over with a permanent UK home address, personal income and business turnover of at least £20,000 (Gold) or £35,000 (Platinum), and a UK business bank or building society account. A director or member must give a guarantee. British Airways Accelerating Business: sole traders and small businesses, with an applicant aged 18 or over, a permanent UK home address, income of at least £20,000 and a UK business bank account.

Headline fees

Table notes: correct as of 8 November 2026, from American Express Business cards's own pages listed under Sources.
FeeDetail
Annual feeBusiness Gold £195 (£0 in the first year), British Airways Accelerating Business £250, Business Platinum £650
InterestGold and Platinum: 29.1% p.a. (variable) if you use the Flexible Payment Option. British Airways Accelerating: 26.6% p.a. purchase rate, representative 104.9% APR (variable) on an assumed £1,200 limit
Interest-free periodUp to 54 days on Gold and Platinum, up to 56 days on British Airways Accelerating
Card payments in a foreign currency2.99% non-sterling transaction fee
Cash advances (British Airways Accelerating)3% (£3 minimum), with interest from the day taken
Late payment or returned payment£12
Employee cardsUp to 20 free on Gold and British Airways Accelerating; Platinum includes 1 free Platinum employee card (more at £295 a year each) and free Gold employee cards

Limits worth knowing

How it compares

Amex against other accounts

See all the accounts we've researched.

IncardOur pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Read Incard vs Amex BusinessWork out your cashbackCheck eligibility

Apply for Incard on incard.co(opens incard.co in a new tab, affiliate link)

We may earn a commission if you apply.

a month on the Free plan, with team cards
£0
cashback on ads, software and travel; 0.5% on other eligible spend
1%
IBANs in three currencies
GBP, EUR, USD

Check American Express Business cards's current terms

Fees and eligibility can change. Confirm them on the provider's own site before you apply.

Visit American Express Business cards(opens in a new tab)

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.