Allied Irish Bank (GB) business credit cards

Existing Allied Irish Bank (AIB) business banking customers can manage day-to-day business expenses with an AIB Visa credit card.

Compare business credit and charge cards

Table: promoted then other popular deals
Name Product Purchases Annual/monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
CASHBACK
Capital on Tap Business Credit Card
26.4%
£0
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)
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
N/A
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).
CASHBACK
Barclaycard Select Cashback Business Credit Card Mastercard
21.9%
£0
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).
AVIOS
Capital on Tap Business Rewards Credit Card
26.4%
£99
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)
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
N/A
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
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.
CASHBACK
Juni Business Card (only available to ecommerce companies)
N/A (this product is a charge card).
£0
1% cashback
N/A (this product is a charge card).
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Made for ecommerce companies only. Earn 2% cashback for your first 30 days, up to 1% thereafter on all eligible Juni card spend.
Barclaycard Select Business Charge Card
N/A (this product is a charge card).
£42 per annum
N/A
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.
British Airways American Express® Accelerating Business Card
23.6%
£250 per annum
1.5 points per £1 spent
99.2% APR (variable)
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Earn 30,000 bonus Avios when you spend £5,000 in the first three months of Cardmembership. Earn 1.5 Avios for every eligible £1 spent on card and 2 On Business Points for every £1 spent with BA on eligible flights. 10,000 bonus Avios for every £20,000 spent (max £60,000 pa) per calendar year.
Representative example: When you spend £1,200 at a purchase rate of 23.6% (variable) p.a. with a fee of £250 per annum, your representative rate is 99.2% APR (variable).
American Express Gold Business Card
N/A (this product is a charge card).
Year 1 - £0, Year 2 onwards - £175
1 point per £1 spent
N/A (this product is a charge card).
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Earn 20,000 Membership Rewards® points when you spend £3,000 in first 3 months of Cardmembership. Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn 10,000 extra Membership Rewards® points when you spend £20,000 per quarter.
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Compare up to 4 providers

What is AIB?

AIB offers a small, straightforward business credit card range for companies with employees who incur business expenses. You can choose simplicity, with a straightforward charge card or perks, with a premium card offering benefits such as breakdown cover and travel benefits through the Visa Luxury Hotel Collection.

AIB business cards: Features and benefits

Here’s an overview of what you can get if you apply for an AIB business card:

  • Joining fee and annual fee. In order to get the card, you’ll have to pay a one-off fee when your application is accepted. Apart from that, AIB business credit cards have a fixed annual fee that depends on the card you choose.
  • Credit limit. Credit limits start from £500, while the maximum depends on your company’s credit status. If more than one of your employees needs a business credit card, you can set different credit limits for each of them.
  • Contactless payments. As you’d expect, staff will be able to use their cards for contactless payments up to £45.
  • Direct debit repayment. AIB collects monthly repayments directly from your AIB business account and sends you a bank statement for each of your employees.
  • 24-hour customer service. If something goes wrong and you need help, you can talk to someone on the phone 24 hours a day, 7 days a week.
  • Misuse protection. If an employee to whom you gave the card misuses it, in some cases you’re entitled to a reimbursement from AIB.
  • Additional perks. If you opt for one of AIB’s more premium business cards, it’ll cost you more, but comes with a bunch of extra features, like VIP treatment at a selection of hotels.

What's the difference between a charge card and regular credit card?

With a charge card, you’re expected to clear your balance in full every month. As such, these cards don’t charge interest, although there are usually harsh fees if you fail to clear your balance. The benefits of charge cards include flexibility over payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and in some cases, rewards on your spending. However, charge cards can come with a monthly or annual fee attached and do not usually offer purchase protection under section 75 of the Consumer Credit Act.

While charge cards are fairly rare in the consumer space, they’re more prevalent in business banking.

How to compare AIB business cards

There’s no single right credit card for every company. Before making a financial choice of any kind you should really think about your business’s needs and expectations.

The cards in AIB’s business range are designed to suit different needs, so chances are you’ll be able to identify which works best for you by looking at the spending habits of the employees who’ll be using them.

For example, if the person who’s going to use the card doesn’t need to travel much for business, the costs of a more premium option might not be worth shouldering, and they’re probably fine with a more basic option.

AIB customer reviews

Allied Irish Bank has received poor reviews overall from customers, according to review platform Trustpilot. It currently has a rating of 1.9 out of 5, based on more than 120 reviews (updated 17 March 2021). Some customers reported issues with their card being unexpectedly blocked or other problems when using their card.

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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