Compare RBS business credit cards

Manage a fluctuating cash flow and track expenses with RBS business credit cards.

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Royal Bank of Scotland (RBS) offers a select range of credit cards for existing business customers. Opt for a more basic card or, for a higher fee, a card with additional features and appealing rewards.

We’ll guide you through their features and benefits to help you pick the one your business actually needs.

Compare RBS business credit cards

Table: sorted by representative APR, promoted deals first
Updated December 11th, 2019
Name Product Purchases Annual/monthly fees Rep. APR Incentive Representative example
Royal Bank of Scotland Business Credit Card Mastercard
Year 1 - £0, Year 2 onwards - £30 per annum
24.3% (variable)
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).
Royal Bank of Scotland Business Plus Credit Card Mastercard
£70 per annum
29% (variable)
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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RBS business cards features and benefits

While features, costs and benefits vary depending on the card you choose, the following points apply to all RBS business cards:

  • Interest-free credit. If you pay your balance in full each month, you won’t pay interest on your purchases. For businesses with fluctuating cash flows, this can offer stability and boost spending power.
  • Tailored credit limit. While RBS 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 figure, you’ll incur interest on your purchases from the day on which they were made, and it will take you longer to clear your balance.
  • Annual fees. Like most business cards, these do come with annual fees attached, which are calculated based on the number of cardholders. RBS will sometimes waive the fee in the first year if you meet certain criteria.
  • Track spending in real time. With RBS’s free management tools including its mobile app and custom reports, you can monitor and analyse business spending in real time and access historical information too.

How to compare RBS business cards

Here are some of the key factors to consider when weighing up which RBS business 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 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. Others to consider include foreign transaction fees and balance transfer fees.
  • Perks. If you’re going to be spending a fair bit on your business card, you might as well see if you can earn some rewards along the way. The more premium RBS cards come with the opportunity to earn cash back on all your spending.
  • Eligibility. Don’t waste your time looking into a card for which 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: will my business benefit enough to make the extra cost of a premium option worth it?

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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