Compare the best business credit cards of 2024

Manage your cash flow, save time on expense reports and enjoy perks such as points for your spending with a business credit card.

Promoted for no fee
Capital on Tap Business Credit Card (+optional Business Rewards) logo
Finder Award
Capital on Tap Business Credit Card (+optional Business Rewards)
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35.15% APR representative variable
Uncapped 1% cashback
4 ★★★★★
Uncapped cashback
Redeem points for Avios
Exclusive business offers
Promoted for cashback
Barclaycard Payments Select Cashback Business Credit Card  logo
Barclaycard Payments Select Cashback Business Credit Card
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27.5% APR representative variable
2% cashback uncapped for 3 months
4 ★★★★★
1% uncapped cashback when offer ends
Exclusive business offers
Apple pay enabled
Promoted for Membership Rewards®
American Express Business Gold Card logo
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American Express Business Gold Card
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Product is a charge card. No annual fee in year 1, £195 thereafter.
Limited time offer: Up to 60,000 Membership Rewards
4 ★★★★★
Welcome bonus offer
Earn points on eligible spending
No annual fee in the first year
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★★★★★
1100+ customer reviews
Table: promoted then other popular deals
Name Product Rating Finder score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Capital on Tap Business Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
35.15%
£0
1 point per £1 spent
35.15% APR (variable)
Go to siteCard details
Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback)
Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.15% APR (variable).
CASHBACK
Barclaycard Payments Select Cashback Business Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
27.5%
£0
2% cashback uncapped*
27.5% APR (variable)
Go to siteCard details
*Get 2% uncapped cashback on all eligible business spend in the first 3 months from account opening, reverting to 1% uncapped cashback thereafter. Apply by 2 April 2024. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 27.5% (variable) p.a., your representative rate is 27.5% APR (variable).
Capital on Tap Business Credit Card (+optional Business Rewards)
Finder score
★★★★★
★★★★★
Expert analysis
35.15
£99
1 point per £1 spent
35.15% APR (variable)
Go to siteCard details
Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.15% APR (variable). Optional upgrade to Business Rewards (£99 per year).
Barclaycard Select Business Charge Card
Finder score
★★★★★
★★★★★
Expert analysis
N/A (this product is a charge card).
£42 per annum
N/A
3.6% APR (variable)
Go to siteCard details
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.
British Airways American Express® Accelerating Business Card
Finder score
★★★★★
★★★★★
Expert analysis
28.5%
£250 per annum
1.5 points per £1 spent
108.4% APR (variable)
Go to siteCard details
Earn 1.5 Avios for every eligible £1 spent on purchases. Plus, for every £20,000 spent on the card, receive another 10,000 bonus Avios points, up to 3 times per year. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 28.5% (variable) p.a. with a fee of £250 per annum, your representative rate is 108.4% APR (variable).
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OFFER
American Express Business Gold Card
Finder score
★★★★★
★★★★★
Expert analysis
N/A (this product is a charge card).
Year 1 - £0, Year 2 onwards - £195
1 point per £1 spent
N/A (this product is a charge card).
Go to siteCard details
Limited time offer: Earn 40,000 points when you spend £6,000 in the first 3 months and a further 20,000 points when you make a purchase 14 months later. Offer ends 9 April 2024. Terms apply.
Finder Award
OFFER
American Express Business Platinum Card
Finder score
★★★★★
★★★★★
Expert analysis
N/A (this product is a charge card).
£650
1 point per £1 spent
N/A (this product is a charge card).
Go to siteCard details
Limited time offer: Earn 80,000 points when you spend £12,000 in the first 3 months and a further 40,000 points when you make a purchase 14 months later. Offer ends 9 April 2024. Terms apply.
CASHBACK
Funding Circle FlexiPay Business Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
Flat fee per transaction
£0
1.25% cashback
33.4% APR (variable)
Card details
Get 1.25% cashback on all card spend with Flexipay for the first 3 months. Terms apply. Always 0% interest, no annual or set up fees, one flat fee per transaction from 3.9%.
Representative example: When you spend £1,200 with a fee of 4.9%, your representative rate is 33.4% APR.
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Business credit cards are designed to suit the financial needs of different types of companies, ranging from small startups to major corporations. These cards allow you to keep your business and personal expenses separate, assign cards to employees, manage your cash flow, track your finances and earn rewards. The business entity is responsible for managing the account. If there’s an issue with the account, the entire business will be held responsible, rather than one individual person who’s linked to the account. Likewise, rates and credit limits can be based on the turnover and credit background of the company, rather than the individual.

What are business charge cards?

A business charge card provides interest-free, short-term funding with higher spending limits and various rewards. You must settle the full account balance at the end of the statement period. Interest rates don’t apply to charge cards as there is no revolving credit, but often apply hefty late fees for unpaid balances by the due date.

How to choose the best business credit cards

Comparing business credit cards side-by-side allows you to find an option that is suited to your business’s specific needs. Some of the core factors to compare when weighing up business credit cards include:

  • Business spending habits. Choosing a card should depend, to a significant extent, on the spending habits of your business. You should aim to match these spending habits to card features. For example, if your business uses a credit card to purchase flights, and regularly pays it off, then a frequent flyer card might offer competitive value. On the other hand, if your business plans to rely on the card primarily to borrow money, a card with a low interest rate, low fee or interest-free days is likely to be the most affordable option. Business cards that offer a lot of “bells and whistles” may seem appealing, but always ask yourself if they will have a positive impact on your bottom line.
  • Interest rates. Interest rates can vary hugely from card to card. Some cards charge the same rate for all transactions and others apply different rates depending on whether the transaction is a purchase, cash advance or balance transfer. There are also charge cards that are interest-free but you must keep on top of your repayments to avoid hefty late payment fees.
  • Fees and charges. Business credit cards feature a range of fees and charges. You can typically expect fees for additional cardholders, currency conversions, spending over your credit limit and late repayments. Your card might also come with an annual or monthly fee.
  • Interest-free days. Business cards offer an interest-free period on purchases – usually around 55 or 56 days – provided you pay your balance in full by the statement due date. This can offer valuable short-term cash flow flexibility. Note that non-sterling transactions and cash advances will usually be exempt from this perk.
  • Minimum required monthly payments. Business cards generally have minimum payments of 2% to 4% of the outstanding balance, unless they are charge cards, in which case they need to be paid in full each statement cycle.
  • Extra perks. These may include, but are not limited to: rewards points, air miles, online business banking, complimentary insurance, airport lounge access and expense management systems.
  • Eligibility requirements Ensure your business meets eligibility criteria before applying for the card to prevent potential harm to your future borrowing capabilities. Requirements include being over 18, a UK resident, and in some cases, meeting specific annual turnover and trading duration criteria set by some lenders.

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Frequently asked questions

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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