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.

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
Data indicated here is updated daily
Name Product Purchases Annual/monthly fees Rewards earn rate Rep. APR Link Incentive Representative example
NatWest Business Credit Card Mastercard
Year 1 - £0, Year 2 onwards - £30 per annum
24.3% (variable)
More Info
Free 'online account servicing'.
Representative example: When you spend £1,200 at a purchase rate of 18.268% (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 Plus Credit Card Mastercard
£70 per annum
0.5% cashback
29% (variable)
More Info
0.5% after £1 of yearly spend. Maximum of £400 cashback paid per month. Cashback paid Monthly into Card Account. 2% cashback on eligible trade and business supplies, 1% cashback on eligible fuel and hotel accommodation and 0.5% cashback on all other business spending. Max £400 per annum.
Representative example: When you spend £1,200 at a purchase rate of 14.816% (variable) p.a. with a fee of £70 per annum, your representative rate is 29% APR (variable).

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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.

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.

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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