{"id":428576,"date":"2021-12-10T13:33:24","date_gmt":"2021-12-10T13:33:24","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=428576"},"modified":"2024-03-13T11:37:43","modified_gmt":"2024-03-13T11:37:43","slug":"business-charge-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-credit-cards\/business-charge-cards","title":{"rendered":"Compare business charge cards"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>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. Most of the data in Finder's comparison tables is provided by Defaqto.<\/p><\/div><\/article><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"XLuL5kdk748\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/XLuL5kdk748\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/XLuL5kdk748\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/XLuL5kdk748\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">1:02<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-XLuL5kdk748\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>What are business charge cards and how do they work?<\/h3><p>A business charge card offers short-term, interest-free funding. You can use a business charge card in the same way as a credit card, but they tend to offer higher spending limits, making them useful for large purchases.<\/p><p>The balance on a charge card must be repaid in full each month \u2013 you cannot carry it over from month to month as you can with a traditional credit card. The advantage of this is that there\u2019s no risk of you getting into debt. But it also means your organisation must have the financial stability to clear the balance each billing cycle, which will typically be between 25 and 51 days.<\/p><p>Although there is typically no interest to pay with a charge card, if you don\u2019t pay off your balance in full each month, you will be charged a late payment fee. This can often be higher than the amount of interest you would be charged on a credit card. Late payments can also have a negative affect on your credit rating and could impact your future borrowing ability.<\/p><p>Many business charge cards offer a host of benefits and rewards. These can include:<\/p><ul><li>Travel insurance<\/li><li>Free access to airport lounges<\/li><li>Breakdown cover<\/li><li>Access to events<\/li><li>Concierge services<\/li><li>Cashback<\/li><li>Reward and discount schemes to help your business save money.<\/li><\/ul><p>In return, you will usually need to pay a hefty annual fee \u2013 often \u00a3100 or more.<\/p><h3> What can you use a buisness charge card for?<\/h3><p>You can use a charge card to pay for anything from business travel and invoices to, office supplies and equipment. You can also give your employees their own charge card to pay for work expenses. Some providers even allow you to set different spending limits for each employee, and offer expense tracking tools to help you monitor what your employees are spending.<\/p><p>You can use business charge cards in certain shops and restaurants, online, in cash machines and over the phone. You can also use them abroad, although fees may apply.<\/p><h3>Business charge cards pros<\/h3><p>There are several benefits to using a business charge card, including:<\/p><ul class=\"list-4\"><li>Lower risk of getting into debt<\/li><li>Rewards and benefits often included<\/li><li>High spending limit<\/li><li>No interest to pay<\/li><li>Can help businesses monitor employee spending<\/li><\/ul><h3>Business charge cards cons<\/h3><p>Of course, there are also a number of drawbacks that you\u2019ll need to consider if you\u2019re thinking of applying for a business charge card. These include:<\/p><ul class=\"list-13\"><li>Annual fees can be high<\/li><li>You must repay the balance in full each month<\/li><li>High late payment fees<\/li><li>Not accepted everywhere<\/li><li>No Section 75 purchase protection<\/li><\/ul><h3>Charge cards vs business credit cards<\/h3><p>Although business charge cards work in a similar way to <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\">business credit cards<\/a>, there are some important differences. <\/p><p>For a start, there is no line of revolving credit with a charge card. You must pay off your balance in full each month and no interest will be charged as a result.<\/p><p>With a credit card, you can carry over the balance from month to month, making it a more flexible option. Credit cards enable you to choose how much you want to repay each month, provided it is at least the minimum monthly amount printed on your statement. If you don\u2019t pay off the amount in full, interest will usually be charged on the remaining balance, unless you have taken advantage of a 0% deal.<\/p><p>Unlike charge cards, credit cards also come with a credit limit, which is effectively a limit on the amount you can spend. This will be based on your credit score and income and can vary between a few hundred to a few thousand pounds.<\/p><p>It\u2019s important to weigh up these differences when deciding whether a charge card or credit card would be better for your business.<\/p><p>Finally, be aware that neither business charge cards nor business credit cards offer purchase protection under Section 75 of the Consumer Credit Act. This only applies to personal credit cards, not business cards. <\/p><p>In some cases, your business charge card provider might offer purchase protection insurance instead, but cover limits are likely to be much lower and you will usually have to pay an excess to claim. You will also typically only be covered for theft and accidental damage.<\/p><h3>Bottom line<\/h3><p>Business charge cards can be a great way for your business to earn rewards or benefit from perks, but it\u2019s important to understand that they work differently to business credit cards. Crucially, you must be able to repay your balance in full each month as you won\u2019t be able to carry it across into the following month as you can with a credit card.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What is the spending limit on charge cards?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Charge cards often have high or no preset spending limits. However, this doesn\u2019t mean your spending limit is unlimited. It will usually change depending on your payment history and credit record.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Are business charge cards difficult to get?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Only a few providers offer business charge cards. American Express is one of the biggest charge card providers. To qualify, you\u2019ll usually need a good credit score and there may be a minimum annual business turnover requirement.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Do business charge cards impact your credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, they can. If you make all of your repayments in full and on time, a charge card can have a positive impact on your credit score. However, if you miss payments, your card provider can report this to the credit reference agencies, and your credit score could go down.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What are the alternatives?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">One of the most obvious alternatives to a business charge card is a <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\">business credit card<\/a>. These can offer more flexibility than a charge card and many also offer rewards and other perks, including tools to manage your cash flow and track your finances. Unlike a business charge card, you can carry over a balance from month to month, but interest will be charged which means it can quickly become expensive. <p>Another option is to open a business bank account and use the business debit card or <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/prepaid-business-cards\">prepaid business card<\/a> that comes with the account. Both options allow you to give cards to your employees and, like a charge card, there is no revolving line of credit.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">What are the tax implications of a business charge card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Fees and charges paid as a result of using a charge card for business purposes are tax deductible. For example, there are potential tax deductions for claiming annual fees. Note that there are exceptions when the transaction could be deemed to be for personal benefit, either to you or an employee who uses the card. Check with your bank, accountant, or HMRC about what you can and can\u2019t deduct.<\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find the best charge card for your business.<\/p>\n","protected":false},"author":1047,"featured_media":428586,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2296],"tags":[2560],"asset_tag":[],"class_list":["post-428576","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-credit-cards","tag-latest-2"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best business charge cards in the UK - Finder.com<\/title>\n<meta name=\"description\" content=\"Business charge cards can help manage work expenses, track employee spending and generate rewards. Find the best charge card for your business.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/business-charge-cards\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare business charge cards\" \/>\n<meta property=\"og:description\" content=\"Business charge cards can help manage work expenses, track employee spending and generate rewards. 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