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Review: Barclays Business Credit Card Options
October 25, 2018
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Review: Barclays Business Credit Card Options

When used responsibly, business credit cards can be a great tool for managing short-term cash flow issues. Yet, with so many options, potential rewards, fees, and other important factors, it’s easy to get overwhelmed in your search for the right card.

To simplify your search, we’ll review the business credit cards offered by Barclays. For each card, we’ll outline the rewards, fees, and benefits you should know about so you can make the right decision for your business.

AAdvantage Aviator Business Mastercard

Rewards

This business credit card offers fairly generous rewards, especially if you fly frequently with American Airlines. When you use this card, you’ll earn two AAdvantage miles for every dollar spent on eligible American Airlines purchases or at eligible office supply, telecom, and car rental merchants.

For other purchases, you’ll earn one AAdvantage mile for each dollar spent. Finally, you’ll receive a five percent mileage bonus each year. Since the bonus is calculated based on the total number of miles you’ve earned in the year, this bonus could be somewhat sizeable.

Benefits

This card’s benefits stand out if you’re a frequent flyer with American Airlines.

As a cardholder, you’ll get free checked bags and preferred boarding for yourself and up to four companions on domestic flights, if they’re on your reservation.

Plus, if you spend $25,000 in the calendar year, you’ll earn $3000 in Elite Qualifying Dollars which may help you earn Elite Status, a program that comes with several other benefits. Spend $30,000 in a calendar year, and you’ll also earn a companion certificate for a guest at $99.

Fees

The annual fee is $95.

Hawaiian Airlines Business Mastercard

Rewards

This card offers a similar level of rewards as the AAdvantage Aviator card except that the rewards are focused on Hawaiian airlines purchases.

More specifically, you’ll receive 50,000 bonus miles after your first purchase, a one-time 50 percent discount for a companion, and triple miles earned on each dollar of Hawaiian airlines purchases. You’ll also receive a 40,000-annual mileage bonus for spending at least $50,000 for the year.

Other perks include free mile sharing with friends and family, plus double miles earned on gas, dining, and office supply purchases.

Benefits

Cardholders’ benefits for this card are fairly basic. They include complimentary employee cards, chip technology, expense tracking, and standard Mastercard benefits like fraud liability protection.

Fees

The annual fee is $99.

JetBlue Business Card

Rewards

Frequent JetBlue flyers will accumulate points very fast with this card. On JetBlue purchases, this card earns six points for every dollar spent. Additionally, you’ll receive 5,000 bonus points each year plus another 50,000 bonus points for spending $1000 in the first 90 days of open your account.

You also get certain travel rewards like a free checked bag for yourself and up to three travel companions. Plus, in addition to 50 percent savings on in-flight JetBlue purchase, if you spend $50,000 in the calendar year, you’ll be eligible for TrueBlue Mosaic benefits for one year.

Benefits

Very similar to the Hawaiian Airlines card, JetBlue’s card comes with several basic benefits like liability protection, chip technology, and free employee cards.

However, it also offers points that never expire and no blackout dates on JetBlue Flights.

Fees

The annual fee is $99.

Conclusion: Review Your Travel Habits

After reviewing the Barclays Business Credit card options, you’ll probably notice that these cards are geared towards business travelers. Put simply, if you’re not regularly traveling by plane for business, these may not be the cards for you.

However, if you travel often for business, you could be in for a great value with any one of these cards depending on where and with what airline you travel. For example, if you make frequent trips within the country and American Airlines has regular flights to the places you need to travel, the AAdvantage Aviator Business MasterCard may be a great fit.

Once you figure out the airline that’s right for your needs, review your spending habits and the rewards of these cards to help you make your final decision.

Fora Financial

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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Fora Financial is a working capital provider to small business owners nationwide. In addition, the Fora Financial team provides educational information to the small business community through their blog, which covers topics such as business financing, marketing, technology, and much more. If you’d like to see a topic covered on the Fora Financial blog, or want to submit a guest post, please email us at [email protected].