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
AIB customer reviews
AIB was a Customer Satisfaction Champion in the business cards category of the Finder Customer Satisfaction Awards 2025. In our survey, 90% said they’d recommend the brand to a friend, and many cited reliable customer service.
One thought it was “good value for money”, while another praised the “ability to cater to global clients”.
Frequently asked questions
The core principle is the same: you get a line of credit that comes interest-free as long as you clear your balance each month. However, business credit cards are designed with businesses in mind, which usually means a higher credit limit and business-oriented rewards and card management. Using a business credit card also makes it easier to separate your business and personal finances and organise them independently. However, keep in mind that a business credit card may still impact on your personal credit score.
Yes, you do. If you aren’t an AIB business customer yet, you’ll need to visit a Business Centre and become one before being able to apply for a credit card.
Yes, you can. Sole traders, limited companies, partnerships, clubs, societies and charities can all apply for an AIB business credit card.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio
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