Best business credit cards for startups

Find a credit card that's best tailored to the demands of your new business.

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Capital on Tap Business Credit Card (+optional Business Rewards) logo
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Capital on Tap Business Credit Card (+optional Business Rewards)
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35.2% APR representative variable
Uncapped 1% cashback
4.2 ★★★★★
Uncapped cashback
Redeem points for Avios
Exclusive business offers
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Barclaycard Payments Select Cashback Business Credit Card  logo
Barclaycard Payments Select Cashback Business Credit Card
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27.5% APR representative variable
Get 1% cashback uncapped on all your business spend. T&Cs apply.*
3.7 ★★★★★
No annual fee
Access to business offers
Award-winning card
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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.
Earn 20,000 bonus Membership Rewards® points
3.8 ★★★★★
Welcome bonus offer
Points on eligible spend
No annual fee in year 1
★★★★★
1,100+ customer reviews
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1 - 4 of 22
Name Product Finder Score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Finder Award
CASHBACK
Capital on Tap Business Credit Card
4.2
★★★★★
35.15%
£0
1 point per £1 spent
35.2% 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 35.2% APR (variable).
CASHBACK
Barclaycard Payments Select Cashback Business Credit Card
3.7
★★★★★
27.5%
£0
1% cashback uncapped*
27.5% APR (variable)
Go to siteCard details
*Get 1% uncapped cashback on all your business spend. T&Cs 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).
Finder Award
CASHBACK
Capital on Tap Business Credit Card (+optional Business Rewards)
4.2
★★★★★
35.15%
£99 per annum
1 point per £1 spent
35.2% 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 35.2% APR (variable). Optional upgrade to Business Rewards (£99 per year).
Barclaycard Select Charge Card
3.9
★★★★★
N/A (this product is a charge card).
£42 per annum
N/A
3.6% APR (variable)
Go to siteCard details
Control spend and manage business expenses. Access to business rewards with discounts and offers from leading retailers and suppliers. T&Cs apply.
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There are a number of reasons why startups are different from established businesses. Their credit needs are no exception.

If you own a startup and are looking for a new business credit card, you’ll want one that can help you manage your cash flow, while offering a low rate if you need to sometimes carry a balance. You might even want a card that lets you earn rewards on your spending.

Most importantly, you want to spend as little time as possible managing your credit card – you’re busy enough running your business. Although we can’t guarantee you’ll get all that, we do have a few suggestions on how to find a suitable credit card.

How to choose the best business credit card for startups

This will depend on the type of business you run and what you want to use your card for. If you think you might carry a balance on the card from time to time, you’ll want to look for a card that offers a competitive interest rate.

Alternatively, if you know you can clear your balance in full each month, but you’re likely to use the card often, you may want to seek out a business credit card that offers great rewards.

Overall, you’ll need to work out which features are the most important to you and look for the most suitable card. Here’s a list of features you may want to consider while comparing products:

  • Annual fee. This is the annual cost of your credit card, no matter how much you use it. You’ll have to include it in your budget, so it’s a core factor to look at. For example, British Airways Accelerating Business Card charges a £250 annual fee.
  • Interest rate on purchases. If you’re positive you’ll pay your credit card bill in full every month, this is a secondary concern. But if you can’t, the interest rate is important because it tells you how much borrowing money with the card will cost your startup. Typically the interest rate will be above 20% annually
  • Facilities. Can the card be managed online or from your smartphone? Is the app good? Can you connect it to your accounting software? This is of utmost importance if you own a startup because it can save you a considerable amount of time.
  • Rewards. These are for startups that plan to spend quite a lot on the credit card.
  • Additional cards. If you’re planning to give a card to other people in your team, don’t forget to check how much it’s going to cost you.
  • Foreign transaction fees. If you travel often for business purposes, you want a credit card with no foreign transaction fees. Most business cards charge 3% of every transaction, which can easily amount to a small fortune in fees if you’re not careful. The Capital on Tap Credit Card is a popular choice for startups that frequently spend in other currencies.
Capital on Tap Business Credit Card

Capital on Tap Business Credit Card

  • Get up to £250,000 to grow your business.
  • Earn 1% cashback for every £1 spent.
  • Enjoy up to 56 days interest-free on purchases.
  • No application fees or non-sterling transaction fees.

Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.2% APR (variable).

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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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One Response

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    StephanieFebruary 25, 2023

    Thanks for information

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