Juni Business Card review

Digital lender Juni has launched its first virtual business credit card (technically a charge card) in the UK with 1% cashback on all your spend and custom credit limits.

Made for ecommerce companies, Juni aims to act as a “financial companion” for your day-to-day business spending.

  • 1% cashback on all spend.
  • Businesses with a smaller ad spend might not be eligible.
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Earn 1p

per £1 spent


Account fee


Minimum credit limit


Annual/monthly fees£0
Balance transfers0%
PurchasesN/A (this product is a charge card).
Cash advances0%
Minimum credit limit£10,000
Maximum credit limitSubject to status: £2,000,000
Additional cards available3 additional physical credit cards and unlimited free virtual credit cards
Made for ecommerce companies only. Earn 1% cashback on all eligible Juni card spend.
Additional Rewards InfoMade for ecommerce companies only. Earn 1% cashback on all eligible Juni card spend.
Potential costs★★★★★
Doing its job★★★★★
Overall Finder rating★★★★★

Review by

Emily Herring is a Publishing Executive at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media.

Expert review

Challenger digital lender Juni is going head to head with market leaders Capital on Tap and American Express with its brand new virtual cashback business charge card, but what makes Juni stand out?

Aimed at helping your company boost your revenue growth with your everyday business spending, this made-to-measure charge card offers multiple benefits for businesses working in the online marketing space. The card comes with very few fees and you can also benefit from 1% cashback on all card spend.

The Juni Business card offers some nifty features if you are planning on using the card to pay for online ads. With the option of daily scalable credit limits (up to £250,000), you could use this to increase your ad spend to “boost your ROAS”. Juni is also offering instant credit “based on your balances with networks, processors and accounts you’ve integrated” with your Juni account.

That all sounds great, but what’s the catch? The Juni Business card has just launched commercially after having a year in beta, so there could be a few hiccups still left to iron out. Another main drawback is that the card is tailored to companies that make use of digital marketing and although the card is available to all UK-based businesses (depending on eligibility), other business credit cards, like the Capital on Tap Business Rewards credit card might be more worthwhile.

Pros and cons


  • Earn 1% cashback on all day-to-day business spending
  • No annual fee
  • Credit limit available up to £2,000,000
  • Keep track of ad spend
  • You can integrate your Juni card with Google Ads
  • No foreign usage charge
  • You can choose the currency of the card


  • As the Juni card is a charge card, you are expected to repay the card in full each month, otherwise you could face a fee
  • Juni does not charge fees but its partner banks do
  • Businesses with a smaller ad spend might not be eligible
  • Trustpilot reviews complain about sudden account closures

Who is Juni?

Juni is a Swedish startup with an online lending platform (not a bank) developed for “made for online advertising”. Founded by Anders Oresedal and Samir E-Sabini in 2020, Juni’s aim is to act as a “financial companion” to companies in the online marketing space.

With the recent announcement that Juni’s Series A funding was extended to $73 million, it’s no surprise that it has quickly turned around a virtual credit product to shake up the current credit card market.

What is the Juni card and how it works

The Juni Business card is a virtual charge card made for ecommerce. Just like any other cashback business charge cards, you can use it for your day-to-day business spending or larger campaigns, but with an additional perk of earning cashback. However unlike traditional business credit cards, Juni has created this card with ecommerce in mind, allowing for high spend limits and relaxed repayment terms to “unlock revenue growth by funding large ad campaigns to reach bigger audiences and boost ROAS.” (Juni) You will also be expected to repay your card in full each month, otherwise you could face a fee.


  • Cashback on all card spend. One of the main highlights of this new digital card is the chance to earn cashback on all spend (subject to T&Cs). With the option for unlimited additional virtual cards for your employees and a maximum daily spend of £250,000, you can make use of the ultimate benefits of this cashback offer, if used correctly.
  • Physical and virtual cards. You can request up to 3 additional physical cards and unlimited free virtual cards at no extra cost.
  • Your choice of currency. Juni offers cards in EUR, GBP and USD, so you can choose the currency that suits you and your business’s needs.
  • High spend limits. Depending on your business’s eligibility, you can benefit from the custom or unlimited daily spend limits (up to £250,000)
  • Integration with Google Ads. You can integrate your Juni Business card with your Google Ads account.
  • Smart Liquidity Boost. Currently under development, Juni is offering instant credit based on the accounts you integrate with them.
  • 37 to 60-day repayment terms. Depending on your eligibility, you could increase your repayment terms up to 60 days. But, remember late repayments may come with a cost.


Challenger credit cards and charge cards are emerging at an exhilarating rate and it was about time that a digital business card was brought to the market. With a unique focus on ecommerce, the Juni Business card might be an innovative option for those companies that have plans for large ad campaigns and would be interested in integrating their networks, processors and accounts all in one place. However, if you’re looking for a business credit card with rewards and a reduced focus on online marketing, American Express and Capital on Tap offer some great business credit card and charge card options too.

Repayment options

As the Juni Business card is a charge card, you are expected to repay the full amount each month. You can make manual repayments through your Juni account. Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12 for the first time payment is late and £40 thereafter) or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the card.

Juni does not charge interest if you pay the balance in full by each payment due date, but be careful, your business may be charged if you carry over a balance. Juni does charge a late repayment fee of £12 for the first time payment is late and £40 thereafter and states that interest will be applied to the “outstanding balance (in addition to late payment fees)”. This interest will be calculated on a daily basis.

How to apply

You can apply for the Juni Business card directly through the Juni website.

How does it compare with other business cards?

Table: promoted then other popular deals
Name Product Purchases Annual/monthly fees Rewards earn rate Representative APR Link Key benefit Representative example
Capital on Tap Business Credit Card
1 point per £1 spent
29.9% APR (variable)
Go to site
Finder exclusive welcome offer: Earn £100 bonus cashback when you make your first transaction. Offer ends 30 June 2022. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 26.4% (variable) p.a., your representative rate is 29.9% APR (variable).
Barclaycard Select Cashback Business Credit Card Mastercard
1% cashback
21.9% APR (variable)
Go to site
Limited time offer: Get 3% cashback on business travel spend for the first 4 months and 1% cashback on all other business spend. Apply before 31/08/2022. Cashback and Promotional Cashback T&Cs and eligibility criteria apply.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
NatWest Business Credit Card (only available to existing business customers)
Year 1 - £0, Year 2 onwards - £30 per annum
24.3% APR (variable)
Go to site
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).
Juni Business Card
N/A (this product is a charge card).
1% cashback
N/A (this product is a charge card).
Go to site
Made for ecommerce companies only. Earn 1% cashback on all eligible Juni card spend.

Compare up to 4 providers

Approval for any credit card will depend 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.

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