What are the differences between Avios and On Business Points?

Oct 25, 2019

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This story has been paid for by American Express, but the opinions are those of the author and TPG. This is one way TPG continues to provide our readers with free news and advice about travel.

American Express and British Airways have just launched an all new credit card product called the British Airways American Express Accelerating Business Card, which is the issuer’s newest business credit card, designed for small business owners, particularly those who travel with British Airways. This is a unique product, as it allows cardholders to earn both Avios and On Business Points at the same time.

So, if you can earn two different types of points with the one card, what are the differences between these two points currencies?

First, their similarities:

  • Both are point currencies of British Airways. Avios are issued by the Executive Club and On Business Points are issued by the On Business Programme.
  • You will earn both On Business Points and Avios for eligible flights, provided you are registered in both programmes.
  • You can redeem both currencies for reward seats on British Airways, American Airlines and Iberia. Terms, taxes, fees and carrier charges apply for all flight redemptions.
  • You can redeem both for upgrades on British Airways and Iberia.
  • There is no maximum cap to the number of points you can earn in both programmes.

And now the differences:

  • British Airways Executive Club is a programme designed for everyone, while On Business is designed for businesses with two or more employees who travel regularly with British Airways, Iberia or American Airlines.
  • Avios can be earned through flying a wide range of airlines, hotel stays, car hire companies, online shopping merchants and with many other ancillary partners. Meanwhile, On Business Points can only be earned for flights on British Airways, Iberia or American Airlines (along with flights ticketed on those three airlines on flights operated by Qatar, Qantas and Japan Airlines).
  • On Business Points can only be redeemed for reward flights and upgrades on these three carriers, while Avios can be used on a much wider range of carriers, as well as for hotel stays, car hires, experiences, gift vouchers and even M&S food on board flights.
  • The redemption rates for On Business Points are fixed all year round, so you can book at peak times or at late notice and know it will not cost you more points. This, unlike Avios, which can vary during peak and off-peak periods.
  • Unlike Avios, On Business Points are collected into a company’s central account and can be used for anyone travelling on behalf of the business.

The card currently comes with a welcome bonus of 2,200 On Business Points after spending £3,000 or more on purchases on the card within the first three months. Representative Example: APR 81.6% variable with an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. variable. There’s an annual fee of £210.

You can read a full explanation of our valuation of On Business Points here and apply for the British Airways American Express Accelerating Business Card here.

Featured image by Ben Smithson / The Points Guy

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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