Compare cashback business credit cards

Most business expenses are unavoidable, so why not bag yourself a company card that pays out on all your business spending?

Promoted
Capital on Tap Business Credit Card logo

Enjoy unlimited free 1% cashback

  • Get up to £250,000 to grow your business
  • No annual fee
  • Up to 56 days interest-free on purchases
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Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.15% APR (variable).

Business credit cards offering cashback

Use arrow to sort table. Default is promoted/partner brands first, sorted by rep APR
1 - 14 of 14
Name Product Rating Finder score Purchases Annual / Monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Capital on Tap Business Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
34.3%
£0
1 point per £1 spent
35.15% APR (variable)
Go to siteCard details
Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback)
Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.15% APR (variable).
Capital on Tap Business Credit Card (+optional Business Rewards)
Finder score
★★★★★
★★★★★
Expert analysis
35.15
£99
1 point per £1 spent
35.15% APR (variable)
Go to siteCard details
Representative example: When you spend £1,200 at a purchase rate of 35.15% (variable) p.a., your representative rate is 35.15% APR (variable). Optional upgrade to Business Rewards (£99 per year).
CASHBACK
Barclaycard Payments Select Cashback Business Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
27.5%
£0
2% cashback uncapped*
27.5% APR (variable)
Go to siteCard details
*Get 2% uncapped cashback on all eligible business spend in the first 3 months from account opening, reverting to 1% uncapped cashback thereafter. Apply by 2 April 2024. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 27.5% (variable) p.a., your representative rate is 27.5% APR (variable).
CASHBACK
Juni Business Card (only for ecommerce companies)
Finder score
★★★★★
★★★★★
Expert analysis
N/A (this product is a charge card).
£0
1% cashback
N/A (this product is a charge card).
Card details
Made for ecommerce companies only. Earn 2% cashback for your first 30 days, up to 1% thereafter on all eligible Juni card spend.
CASHBACK
Jeeves Business card
Finder score
★★★★★
★★★★★
Expert analysis
N/A (this product is a charge card).
£0
2% cashback on all spend with selected partners
1% cashback elsewhere
N/A (this product is a charge card).
Card details
Earn up to 2% cashback on all your advertising spending in the first 90 days, up to 1% cashback thereafter, and 1.5% cashback on spend with Google, Amazon, Meta. Terms apply.
Santander Business Cashback Credit Card Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
18.9%
£30 per annum (per business, not per card)
1% cashback
23.7% APR (variable)
Card details
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £30 per annum, your representative rate is 23.7% APR (variable).
Royal Bank of Scotland Business Plus Credit Card (existing customers only)
Finder score
★★★★★
★★★★★
Expert analysis
13.9%
£70 per annum
0.5% cashback
29% APR (variable)
Card details
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 Plus Credit Card (existing customers only)
Finder score
★★★★★
★★★★★
Expert analysis
13.9%
£70 per annum
0.5% cashback
29% APR (variable)
Card details
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).
CASHBACK
Barclaycard Premium Plus Business Credit Card Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
0% for 6 months reverting to 20.2%
£150 per annum
0.5% cashback
56.8% APR (variable)
Go to siteCard details
2 complimentary airport lounge passes annually, worldwide travel cover, discounted forex rates plus 0.5% cashback on eligible spend with a cap of 400 per year. T&Cs apply
Representative example: When you spend £1,200 at a purchase rate of 20.2% (variable) p.a. with a fee of £150 per annum, your representative rate is 56.8% APR (variable).
Moss Business Card
Finder score
★★★★★
★★★★★
Expert analysis
N/A (this product is a charge card).
Subject to plan
N/A
N/A (this product is a charge card).
Go to siteCard details
Debite corporate card
Finder score
★★★★★
★★★★★
Expert analysis
N/A (this product is a charge card).
£0
N/A
N/A (this product is a charge card).
Card details
Payhawk Corporate Visa Card
Finder score
★★★★★
★★★★★
Expert analysis
N/A (this product is a charge card).
Subject to subscription
1% cashback
N/A (this product is a charge card).
Card details
Earn up to 1% cashback on all eligible card spend up to the amount of your subscription.
NatWest Business Credit Card (only available to existing business customers)
Finder score
★★★★★
★★★★★
Expert analysis
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
N/A
24.3% APR (variable)
Card details
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).
RBS Business Credit Card (only available to existing business customers)
Finder score
★★★★★
★★★★★
Expert analysis
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
N/A
24.3% APR (variable)
Card details
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).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

How do business cashback credit cards work?

A business credit card can offer flexibility and boost your spending power, if used correctly. And if it can earn you a few pounds along the way, well, you’re not going to say no, are you?

There’s a range, albeit limited, of cashback business credit cards on the market that can do just that. These cards tend to have fairly strict eligibility requirements and may come with an annual fee attached. If you’re likely to carry an outstanding balance on the card from month to month, then you’d probably be better off focusing on business cards offering the lowest rates because a cheaper card is likely to save you more than you’d earn in cashback.

But, if your company puts a significant amount on plastic and tends to pay off the card bill in full each month, then one of the cashback deals above could offer a return that’s not to be sniffed at. Business cashback credit cards will pay you a percentage of whatever you spend (aka the card’s “earn-rate”) back into your account. The cashback will be transferred automatically, either monthly, quarterly or annually, depending on the card.

Some credit cards place a cap on the amount of cashback you can earn. Others will only pay cashback when you make purchases with specific retailers. And some offer additional cashback as a welcome bonus for new customers.

If a number of employees are set up as additional cardholders, you (not they) will stand to earn cashback on all their spend too… and it’s up to you whether you tell them! While this probably sounds like a great deal, if you’re paying an annual/monthly fee for each cardholder, it may not be.

Cashback isn’t seen as income for tax purposes. Rather, it’s seen as a discount, so you don’t need to worry about declaring it.

Look out for introductory “welcome” bonuses or enhanced earn-rates (especially if you’re about to shell out on something), but equally, beware of transactions that aren’t eligible, like cash advances (when you withdraw cash using a credit card).

How can I maximise my cashback?

Get acquainted with the terms of your credit card so you know what purchases will allow you to earn cashback, then complete as many of your business purchases with your cashback credit card as possible.

Don’t fall into the trap of making unnecessary purchases just to chase the cashback. It’s also important not to overspend to the point where you can’t afford to repay your credit card bill at the end of the month. Any interest incurred as a result of doing this is likely to eclipse the cashback earned.

How should I compare cashback business credit cards?

This is pretty cut and dried. You should try to work out what the card will cost you and what it will earn you.

Once you’ve estimated how much your company would spend on the card each month, the first two features you should check are the cashback earn-rate and the annual fee (if there is one). Calculate how much cashback you’re likely to earn per year using our tool below, then subtract the annual fee to get an idea of your annual earnings. If the annual fee eclipses the amount of cashback you’re likely to earn, you’re best off applying for a different card with a lower fee.

It’s highly recommended to pay off your balance in full every month to avoid paying interest. If you’re not planning on doing that, you should compare the interest rate and credit limit on each card to ensure you get a good deal. It’s rare for cashback credit cards to have introductory 0% interest deals attached, but if they do you should make the most of these.

Some credit cards may offer reward schemes that will allow you to earn air miles or points that can be exchanged for retail vouchers. If these rewards are available with retailers that you’d spend money with anyway, these cards might be a better option.

Cashback calculator

This tool is designed to help you establish whether or not a particular cashback card would be worth it for you. Bear in mind that the calculation is based on clearing your balance each month, not using the card for cash advances, etc, so that you don’t incur any interest or fees other than any obligatory annual/monthly account fees. Don’t forget that, depending on the card issuer, some transactions might not be eligible for cashback, and cash advances definitely won’t be.
Expected annual spend


Cashback earn-rate


Account fee (per annum)


You’d earn £ in cashback over the year. Taking into account fees of £, you’d pocket £.

Dos and don’ts

Do

  • Choose a credit card with the best cashback rates.
  • Ensure your annual fee doesn’t eclipse the amount of cashback you’re likely to earn.
  • Use your credit card whenever possible to maximise your cashback.

Don’t

  • Spend unnecessarily just to earn cashback.
  • Overspend to the point that you pay interest on your purchases.
  • Choose a business card which charges a surcharge on FX transactions.

Bottom line

If your business is big on spending on plastic and good at keeping on top of repayments, a company cashback credit card could be a great option to get more bang for your buck. But, as always, it’s important to shop around for the best cashback deal for your business. Some cards come with a minimum spend or annual fees. And if you don’t repay your balance on time and in full, the interest you will incur might outweigh the cashback you earn.

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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