Business credit cards can be used to make purchases on a card held in the name of a company instead of an individual.

Their benefits include:

  • They keep your personal finances separate from your business' funds.

  • Credit cards are widely accepted.

  • Most offer extra protection when you spend in the UK and abroad.

  • You can also improve your cash flow because you can spend even when you are still waiting for incoming funds. You then pay it back when you receive your monthly credit card bill.

Can you get one?

You may be able to get a business credit card if:

  • You run a small business

  • You are a sole trader

  • You are setting up a new business

  • You make purchases for a larger company you work for

Some credit cards are only available to businesses that have a minimum or maximum annual turnover. Some providers will also need to see to see your company's accounts covering a period of up to two years.

Check the cost

The main costs that come with business credit cards are:

  • Annual fees, which are sometimes around 30 (but not all cards charge these and some are free for the first year)

  • Interest charges

They also come with the same charges as other credit cards like fees for going over your credit limit, missing a repayment or withdrawing cash.

Choose a card

If you want to use a card to borrow money and spread the repayments over several months, keep down how much interest you have to pay by looking for a card with a low APR or a 0% period on purchases.

However, if you repay your balance in full every month you will not be charged interest. Look for a card with benefits like a low annual fee or a reward scheme.

Our comparison shows each corporate credit card's annual fee, APR and any 0% periods on purchases. You can also use the filters to only include cards that offer:

Business credit card FAQs

Q

Whose credit record will they check?

A

Credit card providers will usually check your business' finances and credit record, but they may check your own if you are a sole trader.

Q

Will using a business credit card affect my personal credit record?

A

No, your business' card should not show up on your own credit record.

Q

Can I get a business credit card with rewards?

A

You can get credit cards that give you a percentage of what you spend back as cashback, air miles and other rewards (such as shopping vouchers).

Q

Can several employees have their own card?

A

Yes, you can get several credit cards all linked to one account. That means you could give several empoyees their own card but pay just one bill.

Q

Do I need a business current account to apply?

A

No, you do not need a business current account to get a credit card, but having one could make paying your bill and handling your finances easier.

Q

Are my purchases protected on a business card?

A

Section 75 does not apply to business credit cards, but most providers offer their own protection services, as explained here.

Q

What is a credit limit?

A

The maximum amount you can owe on your credit card at any point, set by your provider. Here is how they work and how much it costs if you exceed it.

Q

Can I use my business credit card abroad?

Q

What are interest free credit cards?

A

Some cards come with an interest free period of several months, so you can spread the cost of a purchase without paying interest.

Q

Where can I use my card?

A

You can use a credit card in person (in shops, restaurants or other businesses), online, by phone, by mail order, in other countries or in ATMs.

About our credit cards comparison

Q

Who do we include in this comparison?

A

We include all of the personal credit cards you can get in the UK, apart from those offered exclusively through other companies. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.