Compare business credit cards

Boost cash flow, build credit history, and earn rewards. Select from a range of trusted UK providers to find a business credit card to suit and enhance your company needs.

Startup business credit card top pick

Capital on Tap

For flexible business credit that's simple and rewarding. Access flexible capital, higher credit limits, and personalised rewards.

Why Capital on Tap?

Trusted by 200,000 small businesses
Apply online and get a decision in 2 minutes
Start spending immediately with virtual cards

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“A business credit card works well because it means our everyday spending can earn rewards.”

Richard Young, selfcatering.co.uk

Uncapped 1% cashback on all card spend. Convert points to Avios or Virgin Points

Capital on Tap Business Credit Card

Purchases

34.65% p.a. variable

Annual fee

£0

Representative APR (variable)

34.65% APR

*Representative rate is 34.65% APR (variable).

Good to know

Free UK ATM withdrawals and no foreign transaction fees
Redeem points against your balance, for cash, or for gift cards
Suitable for UK Ltds, LLPs or PLCs that are active on Companies House. Signatories must be an active director or majority shareholder (25%+)
Good for cashback and exclusive offers at partner brands, with limits up to £250,000

Apply online

Get free uncapped 1% cashback on all card spending. Limits up to £250,000, free company cards with spend controls and 24/7 customer support. Available to limited companies and LLPs or PLCs. You and your business must have no unsatisfied CCJs in the last 12 months. T&Cs apply.

1.25% cashback on all preloaded card spend. Convert points to Avios or Virgin Points.

Capital on Tap Business Pro Card

Purchases

34.65% p.a. variable

Annual fee

£299

Representative APR (variable)

110.33% APR

*Representative rate is 110.33% APR (variable).

Good to know

Collect avios and bonus points on spending
Unlimited airport lounge access and sleek metal card
Suitable for UK Ltds, LLPs or PLCs that are active on Companies House. Signatories must be an active director or majority shareholder (25%+)
Good for cashback and rewards, with limits up to £250,000

Apply online

Uncapped 1% cashback on all card spending with 1.25% cashback on all preloaded card spend. Get unlimited airport lounge access and Radisson Rewards VIP status. Limits up to £250,000, free company cards with spend controls and 24/7 customer support. Available to limited companies and LLPs or PLCs. You and your business must have no unsatisfied CCJs in the last 12 months. T&Cs apply.

Earn 2% cashback up to £2000 for 6 months, unlimited 1% thereafter. T&Cs apply.

Funding Circle Business Cashback Credit Card

Purchases

34.9% p.a. variable

Annual fee

£0

Representative APR (variable)

34.9% APR

*The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)

Good to know

Up to 42 days interest-free
No monthly fee
Suitable for UK limited companies & LLPs
Good for cashback, with limits up to £250,000

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Get 2% cashback on all card spend with Cashback Card for the first 6 months or to a limit of £100,000 spend (total cashback capped at £2,000) and then 1% thereafter. T&Cs apply.

Spend management platform - Xero, Sage & QuickBooks sync, no per-user fees. Up to 0.5% cashback.

Moss Business Credit Card

Purchases

N/A

Annual fee

£2,400

Representative APR (variable)

N/A

*Interest rates are not applicable to Charge cards

Good to know

0% interest - repay full balance in up to 30 days, no option to carry a balance
Set spend rules per card - limits, merchants, days and times
Automated receipt capture and AI-powered transaction coding
Good for UK finance teams with 25+ employees - no per-user fees

Apply online

0% interest. Mastercard® World Elite Business Credit Card. Repay full balance in up to 30 days - no option to carry a balance. Credit subject to KYC and eligibility assessment. T&Cs apply.

Explore business loans options with no impact to your credit score

Explore business loan options from a range of leading lenders and find the right funding for your business. Get a decision in as little as 24 hours.

Business loans

Funding options tailored to your business objectives

87% of businesses completing the eligibility journey on money.co.uk qualify for funding.*

Check your options with no impact to your credit score
Compare funding options in minutes
Get a lending decision in as little as 24 hours

Check your loan eligibility in minutes with zero impact on your business credit score, and get matched to lenders ready to support your goals.

Earn 50,000 Membership Rewards points when you spend £6,000 in your first three months. Terms apply.

The American Express® Business Platinum Card

Purchases

29.1% p.a. variable

Annual fee

£650

Representative APR (variable)

N/A

Good to know

Earn 1x Membership Rewards points for every eligible £1 spent on purchases and 2x points for every £1 spent on American Express Travel.
Get up to £400 in Amex Travel Credits when you spend £120,000 in your Cardmembership year. Terms apply.
Available to UK LTD and LLP businesses, signatories must be 18+ and a director/member of the business. Subject to status.
Complimentary access to 1,550+ airport lounges

Apply online

*Your card includes a Flexible Payment Option (FPO) Credit Limit, which lets you carry a balance with interest at 29.1% p.a. (variable). You can spend above your FPO Credit Limit, as long as any amount over the limit is paid by the due date. Your FPO Credit Limit will be confirmed when your Card arrives. *Annual fee £650. Interest & terms apply. Earn 50,000 Membership Rewards® points when you spend £6,000 in the first three months of Cardmembership. Eligible new Cardmembers only. Annual Fee and terms apply. Available to UK LTDs and LLPS. Signatories must be 18+ and a Director/member of the business. Subject to status.

Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months. Terms apply.

The American Express® Business Gold Card

Purchases

29.1% p.a. variable

Annual fee

£0 in the first year, £195 thereafter

Representative APR (variable)

N/A

Good to know

Earn 1x Membership Rewards points for every eligible £1 spent on purchases and 2x points for every £1 spent on American Express Travel
Get up to £200 in Amex Travel Credits when you spend £80,000 in your Cardmembership year. Terms apply
Available to UK LTD and LLP businesses, signatories must be 18+ and a director / member of the busieness. Subject to status.
Good for earning flexible points on everyday spend

Apply online

*Your Card includes a Flexible Payment Option (FPO) Credit Limit, which lets you carry a balance with interest at 29.1% p.a. (variable). You can spend above your FPO Credit Limit, as long as any amount over the limit is paid by the due date. Your FPO Credit Limit will be confirmed when your Card arrives. *Annual fee £195 (£0 in the first year). Interest & terms apply. Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Eligible new Cardmembers only. Annual fee applies after first year. Terms apply. Available to UK LTDs and LLPS. Signatories must be 18+ and a Director/member of the business. Subject to status.

money.co.uk is a credit broker, not a lender, for consumer credit. Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

*Based on average eligibility data from trackable providers (01/05/25-31/12/25). Accurate as of 14/01/26.