Compare Mastercard business credit cards

Find out which Mastercard business credit card may be right for your business

Compare Mastercard business credit cards

Table: sorted by representative APR, promoted deals first

Name Product Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
Barclaycard Select Business Charge Card
N/A (this product is a charge card).
£42 per annum
Min. limit £1,000, max. limit £50,000.
3.6% APR (variable)

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Barclaycard Select Cashback Business Credit Card Mastercard
21.9%
£0
Min. limit £1,000, max. limit £25,000.
21.9% APR (variable)
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).
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RBS Business Credit Card (only available to existing business customers)
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
Min. limit £500, max. limit not specified.
24.3% APR (variable)
Free 'online account servicing' via ClearSpend mobile and desktop app.
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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NatWest Business Credit Card (only available to existing business customers)
16.9%
Year 1 - £0, Year 2 onwards - £30 per annum
Min. limit £500, max. limit not specified.
24.3% APR (variable)
Free 'online account servicing' via ClearSpend mobile and desktop app.
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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Moss Business Credit Card
N/A (this product is a charge card).
€12 a month per active user plus advanced approval policies at €50 a month for the "Essential" plan. Request for individual quotes for the "Professional" plan.
Min. limit not specified, max. limit £749,000.
N/A (this product is a charge card).
Earn 0.4% cashback every month when you spend a minimum of €10,000.

Metro Bank Business Credit Card Mastercard
14.9%
£0
Min. limit £500, max. limit not specified.
14.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a., your representative rate is 14.9% APR (variable).
Yorkshire Bank Business credit card
16.9%
Year 1 - £0, Year 2 onwards - £28 per annum
Min. limit £500, max. limit not specified.
22.4% APR (variable)
Receive discounts at participating retailers with the Mastercard Business Savings scheme.
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 - £28 per annum, your representative rate is 22.4% APR (variable).
Lloyds Bank Business Credit Card Mastercard
17.57%
£32 per annum
Min. limit £1,000, max. limit £10,000.
22.4% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 17.57% (variable) p.a. with a fee of £32 per annum, your representative rate is 22.4% APR (variable).
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What are the benefits of using Mastercard business credit cards?

  • Managing cash flow. Depending on the industry you’re in, you may find it hard to regulate your cash flow. A Mastercard business credit card can help cover any gaps in your revenue, as well as cover unexpected expenses.
  • Employee cards. If you have multiple staff that need access to a company card, you can apply for multiple cards under the same account and issue them to employees as you need. You also have the ability to set spending limits on individual cards and can easily track all employee spending.
  • Lower interest. If you need access to credit for your business, you may have to consider a business loan. However, depending on which card you choose, a Mastercard business credit card may offer lower rates than a regular business loan. You can also benefit from interest-free periods, which mean you’ll pay no interest provided you repay your card in full each time.
  • Business-specific rewards. Many Mastercard business credit cards offer points programs with rewards designed specifically for businesses. These can include discounts on B2B marketing sites, credit reports, hotel reservations, online advertising, as well as free memberships to various organisations.

How can I compare Mastercard business credit cards?

  • Fees and charges. Many Mastercard business credit cards have annual fees of around £30, though some may be as high as £250. In general, the higher the fee, the more features that will be included with the business card. There are cards that charge no fees for a certain period, and even cards with no annual fees at all.
  • Interest rate. When comparing business credit cards, consider the interest you will pay on both purchases and cash advances, as this will have a big impact on the overall cost of your card.
  • Rewards. Some Mastercard business credit cards come with rewards programs when you use your card. These rewards can include things like getting cash back on business purchases or spending to cover business flights and accommodation, as well as bonus points for booking through specific travel providers.
  • Introductory offers. Many providers may advertise special offers for new customers looking to get a Mastercard business credit card. These can range from interest-free or fee-free periods to 0% balance transfers.
  • Credit limit. Depending on how you plan on using your business credit card, you may require a higher or lower limit. Many Mastercard business cards offer limits from £500 or £1,000 up to £25,000, though some offer up to £50,000. When comparing Mastercard business credit cards, make sure a specific card will meet your credit requirements.

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