Compare the best business credit cards of 2025

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

Best for no fee
Capital on Tap Business Credit Card logo
Finder Award
Capital on Tap Business Credit Card
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35.6% APR representative variable
Uncapped 1% cashback
Convert points to Avios
Up to £250k credit limit
Exclusive business offers
Best for accounting
Moss Business Cashback Card logo
Moss Business Cashback Card
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Product is a charge card
Automate receipts and expenses
High credit limits
All-in-one integrated system
Custom spending limits
Best for credit limit
Funding Circle Business Cashback Card logo
Funding Circle Business Cashback Card
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34.9% APR representative variable
Earn 2% cashback for first 6 months*
1% cashback uncapped
No annual fees
Up to £250K credit limit

★★★★★
1,100+ customer reviews
Table: promoted then other popular deals
1 - 8 of 11
Product Purchases Annual / Monthly fees Rewards earn rate Representative APR Key benefit Representative example
Funding Circle Business Cashback Card
Cashback
Funding Circle Business Cashback Card image
34.9%
£0
1% uncapped cashback*
34.9% APR (variable)
Earn 2% cashback up to £2000 for 6 months, 1% after that. T&Cs apply.
Representative Example: The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)
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Capital on Tap Business Credit Card image
35.6%
£0
1 point per £1 spent
35.6% APR (variable)
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 35.60% (variable) p.a., your representative rate is 35.6% APR (variable).
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Funding Circle FlexiPay Business Credit Card image
0% interest, flat fee per transaction
£0
N/A
33.4% APR (variable)
0% interest, no annual fees, spread payments over 1, 3, 6, 9 or 12 months.
Representative example: If you spend £1,200 with a fee of 4.9%, your representative rate is 33.4% APR.
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Moss Business Cashback Card image
N/A (this product is a charge card).
Subject to plan
N/A
N/A (this product is a charge card).
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Capital on Tap Pro Credit Card image
35.6%
£299
1 point per £1 spent
111.92% APR (variable)
Earn 10,000 bonus points when you spend £5,000 in your first 3 months. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 35.60% (variable) p.a., your representative rate is 111.92% APR (variable).
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American Express Business Gold Card image
N/A (this product is a charge card).
Year 1 - £0, Year 2 onwards - £195
1 points per £1 spent
N/A (this product is a charge card).
Earn 40,000 bonus Membership Rewards® points when you spend £6,000 in the first 3 months, then 20,000 more when you make a purchase with your card within 14 to 17 months of cardmembership. Offer ends 8 April 2025. T&Cs apply. 18+, subject to status.
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American Express Business Platinum Card image
N/A (this product is a charge card).
£650
1 points per £1 spent
N/A (this product is a charge card).
Earn 80,000 bonus Membership Rewards® points when you spend £12,000 in the first 3 months, then 40,000 more when you make a purchase with your card within 14 to 17 months of cardmembership. Offer ends 8 April 2025. T&Cs apply. 18+, subject to status.
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Barclaycard Select Charge Card image
N/A (this product is a charge card).
£42 per annum
N/A
N/A (this product is a charge card).
Control spend and manage business expenses. Access to business rewards with discounts and offers from leading retailers and suppliers. T&Cs apply.
Card details
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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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Publisher

Emily Herring is a Publisher at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has recently joined the Investments team. She has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media. See full bio

Emily's expertise
Emily has written 134 Finder guides across topics including:
  • Loans & credit cards
  • Building credit

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