Compare NatWest business credit cards

Existing NatWest business customers can manage their cash flow and track expenses in real time with one of NatWest's business credit cards.

Customer rating
Satisfaction survey
Its customer service is highly rated.
NatWest business credit cards are only available to existing NatWest business banking customers.

NatWest offers a select range of credit cards for existing business customers. You can choose a more basic card or, for a higher fee, a card with additional features and appealing rewards.

In this guide, we’ll compare NatWest’s business credit cards to help you pick the best option to keep control of your business’s cash flow.

Compare NatWest business credit cards

Table: sorted by representative APR, promoted deals first
1 - 2 of 2
Name Product Ratings Customer rating Finder rating Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
NatWest Business Plus Credit Card (existing customers only)
Finder score
User survey
User rating
Expert analysis
£70 per annum
0.5% cashback
29% APR (variable)
More Info
Representative example: When you spend £1,200 at a purchase rate of 13.9% (variable) p.a. with a fee of £70 per annum, your representative rate is 29% APR (variable).
NatWest Business Credit Card (only available to existing business customers)
Finder score
User survey
User rating
Expert analysis
Year 1 - £0, Year 2 onwards - £30 per annum
24.3% APR (variable)
More Info
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).

NatWest business credit cards features and benefits

While features, costs and benefits will vary depending on which card you choose, the following points apply to all of NatWest’s business credit cards:

  • Interest-free credit. If you pay your balance in full each month, you won’t incur interest on your purchases. For companies with fluctuating cash flows, this can offer stability and boost spending power.
  • Tailored credit limits. While NatWest states a minimum credit limit of £500, the credit limit you’re offered will depend on factors like your company credit report, your turnover and how long you’ve been trading.
  • Flexible monthly repayments. You’ll be required to pay a minimum amount each month. Don’t forget that if you only pay the minimum amount, you’ll incur interest on your purchases from the day on which they were made, and it’ll take you longer to clear your balance.
  • Annual fees. Like most business credit cards, NatWest’s business credit cards come with annual fees attached, which are calculated based on the number of cardholders. This may be waived in the first year if you meet certain criteria. It will also be waived every additional year that you spend at least £6,000.
  • Track spending in real time. With NatWest’s free management tools, including its mobile app and custom reports, you can monitor and analyse spending in real time or access historical information. You’ll be able to view up to 13 months of transactions online.

You must be an existing NatWest business customer in order to apply.

Natwest customer reviews

Customers who took part in Finder’s 2023 customer satisfaction survey were overwhelmingly positive about Natwest, with many highlighting its “great” customer service and reliable brand.

One customer said: “I found Natwest easy to deal with in the past, its customer service team are always willing to take the time to talk me through my options”

Natwest scored of 4.5 out of 5 for customer satisfaction. 85% of customers would recommend the brand to a friend.

How to compare NatWest business credit cards

Here are some of the key factors to consider when weighing up which NatWest business credit card is best for your needs:

  • Interest rate. If you’re likely to carry a balance from month-to-month, then the interest rate is going to be a primary focus.
  • Fees. Business credit cards usually come with an annual or monthly fee, and these are usually linked to the number of cardholders. Try to quantify the benefits you’ll get from the card to see if the account fee is worth shouldering. Other factors to consider include foreign transaction fees and balance transfer fees.
  • Perks. If you’re going to be spending a fair bit on your business credit card, you might as well see if you can earn some rewards along the way. The more premium NatWest cards come with the opportunity to earn cashback on all your spending.
  • Eligibility. Don’t waste your time looking into a card where your company doesn’t meet the minimum eligibility requirements.

So, it’s ultimately all about knowing your business and planning your expenses. The perks are often the flip side of the fees, so ask yourself the following qustion: will my business benefit enough to make the extra cost of a premium option worth it?

The best way to answer this is to think about your business’s needs and spending habits first. What’s your turnover? How much are you planning on spending with the card every year? What for? You might want to start by looking at last year’s accounts and considering how things are likely to change over the coming year.

If you’re thinking about getting a business credit card and aren’t sure which one to pick, take a look at our business credit card comparison page.

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1.4 out of 5
Based on 5,282 reviews (updated )


4.8 out of 5
Based on 349,706 reviews (updated )


4 out of 5
Based on ‎281,360 reviews (updated )

Frequently asked questions

Finder business card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our customer satisfaction scores ("Customers say") are based on a survey of 623 customers carried out in December 2022.

To find out more, read our full methodology.

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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