Compare the best business credit cards

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

Barclaycard Select Cashback Business Credit Card Mastercard logo

Get 1% cashback on all your business spend

  • Award winning credit card
  • No annual fee
  • Additional 2% cashback on all spend with BT and EE
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Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Name Product Purchases Annual/monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Capital on Tap Business Credit Card
1 point per £1 spent
29.9% APR (variable)
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Earn 1% cashback for every £1 spent. Upgrade to Capital on Tap Business Rewards Card for £99 pa to choose between earning cashback or Avios and receive 10,000 bonus points when you spend £5,000 on your card in your first 3 months.
Representative example: When you spend £1,200 at a purchase rate of 26.4% (variable) p.a., your representative rate is 29.9% APR (variable).
NatWest Business Credit Card (only available to existing business customers)
Year 1 - £0, Year 2 onwards - £30 per annum
24.3% APR (variable)
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Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 24.3% APR (variable).
Barclaycard Select Cashback Business Credit Card Mastercard
1% cashback
21.9% APR (variable)
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Get 1% cashback uncapped on all your business spend and an additional 2% cashback on all spend with BT and EE. T&C's apply.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Capital on Tap Business Rewards Credit Card
1 point per £1 spent
29.9% APR (variable)
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Earn points on all card spend. Points can be redeemed for Avios or 1% cashback. 10,000 bonus points when £5,000 is spent on card in first 3 months.
Representative example: When you spend £1,200 at a purchase rate of 26.4% (variable) p.a., your representative rate is 29.9% APR (variable).
RBS Business Credit Card (only available to existing business customers)
Year 1 - £0, Year 2 onwards - £30 per annum
24.3% APR (variable)
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Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 24.3% APR (variable).
Allstar Plus ‘All-in-one’ Business Fuel Card
N/A (this product is a charge card).
£3.99 per card per month
N/A (this product is a charge card).
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Up to 44 days interest free on purchases (subject to status), savings on fuel at 1,600 discount diesel sites plus a 10% saving on vehicle servicing, repair, tyres and car washes at venues nationwide.
Juni Business Card (only available to ecommerce companies)
N/A (this product is a charge card).
1% cashback
N/A (this product is a charge card).
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Made for ecommerce companies only. Earn up to 1% cashback on all eligible Juni card spend.
Barclaycard Select Business Charge Card
N/A (this product is a charge card).
£42 per annum
3.6% APR (variable)
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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.

Compare up to 4 providers

Just as with personal credit cards, there’s a range of factors to consider before deciding if a business card is right for you. Use the table above to compare UK business credit cards with the lowest rates and fees.

What are business credit cards?

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.

How to choose the best business credit card

  1. Work out what you need from a credit card. Are you looking for a business credit card with the lowest rates and fees, or do you want certain features such as business rewards or business travel?
  2. Find the providers that offer the type of card you’re after. Some business credit card providers specialise in certain types of card, and may not offer others at all.
  3. Compare cards. Once you’ve identified providers, compare cards to find the one that best suits your business.
  4. Pick the card you want. Make sure to consider things like APR, annual fees, foreign exchange fees, and perks when making your decision.
  5. Check your eligibility. Make sure you meet the criteria for that specific card before applying.

Cashback business credit cards: earn when you spend

With cashback credit cards, you earn cashback every time you use your business card, no matter what for. Cashback is usually paid into your business current account, so you can use it as you wish – perhaps to take your team out for lunch? These cards often come with an annual fee and may also offer added rewards or perks, such as travel insurance.


  • Get back a percentage of your credit card spending.
  • All your business spending counts, so you should be able to earn cashback quite quickly.
  • Earning cash instead of rewards means complete freedom on how to use it.


  • The annual fee can be pricey.
  • Interest rates on purchases aren’t especially competitive, so these cards aren’t great for borrowing.
  • Rewards business credit cards: free treats on your business spending

    These cards reward you for paying with a credit card, usually offering reward points for every £1 spent on eligible purchases. Unlike personal credit cards, a business credit card with rewards will let you earn points on your work spending (potentially even on your PPC spending). It’s important to remember that these cards usually come with higher annual fees and interest rates though, so you’ll need to make sure that the value of the rewards outweighs the costs.


    • Earn rewards on your credit card spending.
    • All your business spending counts, so you should be able to earn points more quickly than with your personal credit card.
    • Treat yourself and your team to benefits and experiences you wouldn’t normally get.


    • The annual fee can be quite pricey, so you should weigh it up against your card usage.
    • These cards often leave much to be wished for when it comes to borrowing.
    • Bad credit business credit cards: get your business credit score back on track

      These cards can offer a credit facility to your company even if a few funding issues in the past mean that your credit score is less than ideal. Bad credit credit cards tend to have a high rate, so you must clear your card balance in full every month. Using a bad credit credit card correctly for a while will help your business rebuild its credit history and improve its credit score.


      • Successfully apply for a credit card to help with your business’ cash flow even if your credit history isn’t perfect.
      • Improve your business’ credit score by paying the credit card bill in full every month.
      • Have your credit limit reviewed as your credit score improves.


      • High interest rates mean you need to avoid carrying a balance on these cards.
      • Very few perks and rewards.
      • Frequent flyer business credit cards: earn air miles for your business trips

        This type of rewards business credit card is linked to an existing frequent flyer programme, such as Avios. Some frequent flyer schemes are tied to a specific airline, while others allow you to get points which can be redeemed at a number of airlines. This kind of business credit card can be particularly lucrative for companies that do a lot of travelling.


        • Earn air miles every time you use your card.
        • All your business spending counts, so you should be able to earn points more quickly than with your personal credit card.
        • Exchange your miles or points for free flights, hotel stays or flight and room upgrades.


        • These cards usually come for a not-so-cheap annual fee.
        • The interest rate typically offered by these cards isn’t great.
        • 0% purchase business credit cards: spread the cost of a large purchase

          These credit cards charge no interest on your purchases for a few months, allowing you more time and flexibility to pay them back. Unlike with personal 0% purchase cards, the introductory deal won’t usually be super long, but if you need to buy, say, a piece of equipment, it’ll give you a bit more time to even out your cash flow. Don’t forget to set an alarm for when the 0% period ends, because that’s when your balance will go back to accruing interest.


          • Get a few months’ time to pay back the cost of a large purchase or deal with an emergency.
          • Some of these cards may come with extra rewards and perks.


          • The revert rate can be quite high, so you need to clear your balance before it ends.
          • The introductory 0% period only lasts a few months.
          • Low rate business credit cards: borrow at a competitive rate

            These business credit cards have low standard variable interest rates for purchases and can give companies a more affordable option if they need to pay off spending over a longer period of time. Some options even offer the same standard interest rate for purchases, cash advances and balance transfers. Many low rate business credit cards also have a low annual fee.


            • Affordable rates allow for some flexibility when it comes to paying back the credit card balance.
            • Annual fees are usually quite competitive as far as business credit cards go.
            • Good choice if you’re more worried about the financial features of a card than about earning rewards.


            • They require a good credit score (or your business won’t get the advertised rate).
            • Don’t expect many rewards or perks to come with these cards.
          • Travel business credit cards: spend abroad with no fees

            Foreign transaction fees can quickly amount to a small fortune if you use your business credit card abroad. They can be up to 3%, which means that if you spend, say, £500 in a currency other than sterling, you’ll be charged £15 in fees. With these cards instead, making payments abroad is free; if you’re lucky, you may be able to find a travel credit card that also gives you reward points for your spending.


            • Avoid expensive currency conversion fees when you travel.
            • These cards sometimes come with additional travel rewards and perks.
            • As long as they’re on the Mastercard or Visa circuit, they’ll be widely accepted abroad.


            • Not necessarily the cheapest option if you can’t clear your balance in full every month.
            • Business Credit card illo

              Business credit cards vs personal credit cards

              Unlike personal credit cards, business credit cards are designed for work spending and often include features such as additional cards for employees, customisable spending limits for different users and expense tracking. Some business credit cards may even have analytics tools to help with business reporting and budgeting.

              But in most other ways, business credit cards are similar to personal credit cards. With either option, you’ll get access to funds up to a specified limit and be able to pay off what you spend over time (with interest charges). They both also have annual fees and interest rates, as well as perks such as rewards or complimentary insurance.

              What are business charge cards?

              A charge card acts as a short-term (usually monthly) loan to a business for any purchases charged on the card. These cards defer payment until the end of the statement period, when you’re required to pay off the account in full. Interest rates do not apply as there is no revolving line of credit, but they often apply hefty late fees.

              Business charge cards are designed for organisations that can clear their balance each billing cycle, which is typically between 25 and 51 days. If you are looking to borrow funds over a longer period, business credit cards may offer more flexibility.

              Despite different account structures, charge cards do have similar features to traditional credit cards, including expense tracking tools, supplementary cards, rewards programmes and complimentary extras.

              Full guide to business charge cards

              Does your business use company cars?

              If you or your employees regularly use company cars or hire cars as part of their day-to-day job, you may want to consider taking out a fuel card. Fuel cards are a simplified form of business charge cards that can only be used to purchase petrol and related products, and generally offer discounts on fuel. They are popular with transport companies or those with multiple company cars as they let drivers pay for their fuel costs without having to give them a full-featured credit card.

              Full guide to fuel cards

              Allstar Plus ‘All-in-one’ Business Fuel Card

              Allstar Plus ‘All-in-one’ Business Fuel Card

              • Up to 44 days interest free on purchases (subject to status)
              • Savings on fuel and vehicle servicing/repair

              How to compare 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.

              • Fees and charges

                Business credit cards feature a range of fees and charges. Some of the most common include:

                • Annual or monthly fees. Business credit card annual fees are usually around £30 a year but can be more.
                • Supplementary cardholder fees. While some business credit cards offer additional cardholders at no extra cost, others may charge up to £75 for extra cards. Check whether fees are “one-offs” or regular charges.
                • Currency conversion fees. This charge is applied for transactions made overseas or in a foreign currency and is typically 3% to 3.5% of the transaction value.
                • Over-limit fees. If you or an employee goes over the credit limit on the account, a fee of around £12 may be applied. Additionally, this may be visible in your business’s credit history.
                • Late payment fees. If you don’t make the minimum payment on your business credit card by its due date, a fee is likely to be applied. This may be visible in your business’s credit history.
              • Interest-free days

                Business credit 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 credit 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:

                • Reward points. Collect reward points per pound spent and redeem these with anything from equipment to days out.
                • Air miles. Collect air miles for popular programmes such as Avios.
                • Online business banking. Business credit cards usually give you all the access you would expect from banking online, such as 24/7 access to your account plus business security options such as encryption technology for peace of mind. Business applications may also allow mobile management so you can bank on-the-go with your business.
                • Complimentary insurance. Many business credit cards include complimentary travel insurance and liability insurance for the account.
                • Airport lounge access. Travel like a VIP with free access for cardholders and, potentially, their guests too.
                • Expense management systems. Keeping on top of business expenses and consolidating your credit card transactions can be difficult among all the other tasks involved in running a business. Expense management systems give you 24/7 control and visibility with standard or custom reports.

              Pros and cons of business credit cards


              • Potential tax deductions for claiming annual fees
              • Simplified bookkeeping/accounting process
              • Expense and cash flow management
              • Liability options
              • Security features
              • Customisable credit limits
              • Builds business credit
              • Additional cardholders
              • Complimentary extras specifically designed for businesses


              • Require a good credit record and business turnover
              • Potentially expensive fees
              • Interest charges if you carry a balance
              • Can be hard to keep track of employee spending if you’re a small business
              • Limits spending to business expenses only
              • Purchases are not protected by Section 75 of the Consumer Credit Act, in contrast to purchases made on a personal credit card

              Are there eligibility checker tools for business credit cards?

              Card providers such as Capital on Tap have a business credit card eligibility checker on their website. You can only check your eligibility for individual cards on a specific card issuer’s site and you can’t yet check multiple card issuers in one go.

              How to apply for a business credit card

              If you’re interested in getting a business credit card, the first step is to compare a range of options to find one that is convenient and affordable for your business. Once you have found one, you can usually apply online. Before you apply for a credit card, you’ll need to make sure that you meet the following eligibility requirements and have organised the necessary documents to complete the application:

              Eligibility requirements

              Much like personal credit cards, cardholders will need to be over 18 and residents of the UK. Some lenders will also stipulate a minimum annual turnover. While cards are available for pretty much any size and kind of company, lenders may have specific products for specific categories of businesses (for example sole traders).

              Necessary documents and information

              The other details you will be asked to provide vary depending on the card, but generally you will need to provide:

              • Contact details. Contact details for you and/or your business.
              • Proof of identification. A valid form of identification, such as your driver’s licence or passport.
              • Financial information. You may need to provide information about your business income and/or revenue as well as any assets and liabilities, including investments, debts and regular expenses.
              • Additional cardholders. If you wish to manage employee spending under one account, you’ll also need to provide details of all cardholders.
              • Accountant’s information. Information on the person or organisation that manages your company books and financial records.
              • Other documents. Supporting documentation such as tax statements and investor reports may also be required.

              If you’re approved, you could have your card in as few as 5-10 business days (depending on the account and issuer). You can then activate the card, and start using it for your business.

              With expense tracking features, additional cards, interest free periods and reward options, credit cards can be a convenient option for both big and small businesses. Now that you know more about them, you can compare your options and find a product that suits your business’ needs.

              Frequently asked questions

                1. Financial Conduct Authority study, 2018

                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.

                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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