Barclaycard Select Business Charge Card review 2022

If you're not planning to leave an outstanding balance on your business card each month, this simple charge card could offer you payment protection and a few rewards.

  • Enjoy purchase protection and access exclusive, curated offers through Barclaycard Business Rewards.
  • Because it’s a “charge card”, you must pay off your full balance every month.
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Up to 38 days

Interest-free each billing period

3.6%

Representative APR

£42

Yearly account fee

£1,000

Minimum credit limit

Details

IssuerBarclaycard Business
NetworkMastercard
Annual/monthly fees£42 per annum
PurchasesN/A (this product is a charge card).
Purchases interest-free periodUp to 38 days
Minimum credit limit£1,000
Maximum credit limitSubject to status: £50,000
Incentive
Access exclusive offers through Barclaycard Business Rewards. Including, but not limited to, exclusive pre-sale tickets plus discounts on hotel bookings, dining out and car hire. Terms apply.
Potential costs★★★★★
Doing its job★★★★★
Extras★★★★★
Overall Finder rating★★★★★

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Wondering why you might choose a charge card over, say this card’s big sister – which lets you carry an outstanding balance if you need to and offers cashback to boot? Well, the 2 biggest reasons are financial discipline (not being tempted into racking up card debt), and building a positive company credit history – demonstrating to future lenders that you’re a safe prospect while not alarming them with a huge ongoing credit limit at your disposal (and the prospect of hefty interest payments).

This particular business card, like all business Barclaycards, comes with access to the Business Rewards programme. That means exclusive pre-sale tickets plus discounts on hotel bookings, dining out and car hire, for example.

It’s otherwise a fairly straightforward no-frills option, letting you monitor and manage employee cards through the MyControls online portal. There’s also an app available to all cardholders offering limited features to track their card use.

Pros and cons

Pros

  • Gives you up to 38 days of payment flexibility.
  • Order additional cards for your team at no extra cost.
  • Purchase protection and cardholder misuse insurance.
  • Access exclusive offers through Barclaycard Business Rewards.
  • Customers report excellent customer service when dealing with Barclaycard Business.

Cons

  • Because it's a charge card, you can't carry a balance from month to month.
  • Account fee of £42 per annum.
  • While most cards offer up to 55 interest-free days to pay off your bill in full each month, this card gives you 38.

Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

How to apply

If you've compared cards and settled on the Barclaycard Select Business Charge Card, you can head over to Barclaycard Business's secure online application to apply. Don't forget, you'll need to be over 18 and a UK resident to apply.

How does it compare?

Barclaycard Business's card

1 - 1 of 1
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Barclaycard Select Business Charge Card
N/A
£42 per annum
3.6% APR (variable)
Access exclusive offers through Barclaycard Business Rewards. Including, but not limited to, exclusive pre-sale tickets plus discounts on hotel bookings, dining out and car hire. Terms apply.

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Table: sorted by representative APR, promoted deals first
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1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 9.942% (variable) p.a., your representative rate is 9.9% APR (variable).
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Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Frequently asked questions

What credit limit will I get with the Barclaycard Select Business Charge Card?

If Barclaycard Business is able to offer you this deal, the offer will specify a tailored credit limit based on Barclaycard Business's assessment of your situation and your business. The minimum limit offered on the card is £1,000, while the maximum is £50,000. Once you've had the card for a while and shown Barclaycard Business that you're reliable, you may wish to apply for a credit limit increase.

How much does it cost to use the Barclaycard Select Business Charge Card abroad?

Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£172.28), it'll cost you around £5.15 in fees.

Can I get additional Barclaycard Select Business Charge Cards for my team?

Yes. Barclaycard Business doesn't specify a maximum number of cards you can request. There's no fee for additional cards.

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score business credit and charge cards to determine their value against similar products on the market. We look at a number of important factors, like the flexibility it offers, any rewards you can earn through company spending, account management tools, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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