Business rewards credit cards
Find top business credit cards with rewards and cashback
Compare business credit cards with rewards
Our best business credit cards - September 2026
What is a business rewards credit card?
A business rewards credit card comes with everything you might expect from a credit card, such as the ability to make purchases up to a set limit and track spending. But on top of this, you can also earn benefits like cashback, travel points or other perks in the form of rewards on your spending.
It works like a standard business credit card, with a credit limit given for business purchases. You’ll receive a monthly statement balance, and, like any credit card, it’s a good idea to pay the balance in full each month if you can to avoid paying any interest.
What types of rewards can my business get?
A business rewards credit card can come with various rewards, so it’s worth doing your research to see which business credit card is best for your business.
Cash rewards
Cashback on business expenses is a common reward. For example, the card might offer a flat rate on cashback, like 2% on all purchases. It could also be a tiered system for different spending. This means you might get 1% on travel expenses but 2% on office supplies.
Good for: businesses looking to make some extra cash on their expenses
Points-based rewards
If you would like more flexibility with your rewards, then a points-based system is worth exploring. This means your business earns points on spending, which can be redeemed for a range of perks. For example, you could earn enough points to transfer them into gift cards, cash off future orders or travel benefits.
Good for: businesses that want flexible rewards and can use them for clients and employees
Travel rewards
Some providers offer travel rewards and related perks such as airport lounge access or travel insurance. There is also the option to earn Avios points on purchases, which can then be turned into free flights or discounts on holidays and travel.
Good for: companies with teams that travel often or those who would like to maximise travel perks to offer as an incentive for employees
How can I apply for a business rewards credit card?
Each application differs depending on the card provider and its criteria - but here’s an idea of what you’ll need to apply for this type of credit card.
1. Select the card for your business needs
Always do your research before making an application so you can be confident that it's the right business credit card for your business's needs. Remember to align the rewards with your business expenses.
2. Start the application process
You can usually apply for a business credit card online, where you’ll be asked to fill out a form with your details.
3. Share your business information
Make sure you have your business and personal information ready. This can include:
Legal business name
Business structure
Business address
Years in business
Monthly business spend
Industry type
4. Wait for the outcome
You’ll usually get a decision in minutes, though some providers can take a bit longer. If you’re approved you’ll then be told when to expect the credit card in the post.
Our best business credit card for cashback
Our editors have picked out this top business credit card with a great deal on cashback.
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Representative example: 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)
“For the first six months you can earn up to £2,000 with 2% cashback, which could give your small business a welcome boost on your regular expenses. It also offers 1% uncapped cashback after this offer period, so the rewards can keep growing. ”
Our best business credit card for travel points
Our editors have picked out this top business credit because you can earn Avios.
Representative example: Representative rate is 110.33% APR (variable).
“This credit card is the premium offering from Capital on Tap and comes with an array of rewards. You'll need to pay £299 annually, but it comes with unlimited access to 1,600+ airport lounges and the opportunity to convert points to Avios. There's also 10,000 bonus points when £5,000 is spent within three months.”
Our best business credit card for no annual fee
Our editors have picked out this top business credit as there isn't an annual fee.
Representative example: Representative rate is 34.65% APR (variable).
“Perfect for startups, this card offers uncapped 1% cashback, exclusive rewards, and flexible redemption options, including Avios, cash, or balance reduction. With no annual fee, free employee cards, no FX fees, and 24/7 support, it’s built for growing businesses.”
How to choose the right business rewards credit card
If you are choosing a business credit card for rewards, it’s important to understand how your business spends money and what types of rewards would make the biggest impact.
Look at your business expenses
Decide on the type of rewards
Consider the fees
Check terms and conditions
Are rewards worth the extra fees?
Rewards on business credit cards are only really worth the fee if you spend enough money to cover them with the rewards you earn. This is easy to calculate if the reward is something simple like cashback, but remember to work out non-monetary rewards too.
For example, airport lounge access can be pricey - so if you're getting this perk for free through the rewards it can help towards covering the cost of the card itself.
However, if your spending is low on the credit card or you aren’t using the perks, it's more difficult to offset the fee and may mean it's not worth it.
Find out more about the benefits of business credits cards by reading our guide.
Do business rewards credit cards have any eligibility requirements?
Business credit cards for rewards do have eligibility requirements and the specific criteria varies depending on the provider.
It's likely you’ll need to have a legitimate business and be able to provide proof that you do.
Providers will also check your credit history - which may include your business and personal credit score - to determine whether you are eligible for the credit limit applied for.
Sole traders and limited companies can normally apply for a business credit card but you’ll need to showcase your annual revenue - or at least estimate it.
How can you make the most of the rewards?
If you want to make the most of your rewards, then make sure you understand exactly how to qualify for them. If you’ve picked a card that already aligns with your spending, you can naturally pick up rewards without having to change your habits.
Some business credit cards will come with introductory offers such as higher cashback for the first three months. If this is the case, plan ahead and get the card during a time when you might experience higher expenses.
The key with any credit card is to try and pay off the balance in full each month so you avoid paying any interest. If you don’t do this, your business might end up paying more in interest rather than benefiting from the rewards.
A savvy way to use your business rewards credit card is to use the rewards to support business spending. For example, when you earn cashback, put this back into the business by covering a regular business expense.
How can you make the most of the rewards?
Align spending with the rewards
Make the most of introductory offers
Avoid paying interest
Use rewards to offset business expenses
Business success stories
Case study
“Test as you go. Don’t just fall in love with an idea and rush into production.”
Natalie Edwards and Matthew Lambert founded The House of Spectacles to address a widespread eyewear issue – most glasses simply don’t fit properly.
Years of refining the craft, testing designs, and learning from customers have allowed them to create eyewear that truly empowers people to feel confident and comfortable.
“For small business owners, a credit card with rewards can be a great way to make the most of your budget. If you’re already spending money on things like equipment or travel, it’s a good way to earn something back.”
FAQs
The reward offerings on business credit cards are in place to benefit businesses, so it’s normal for business purchases to be rewarded. However, every credit card will be different and some may have restrictions on spending. That’s why it’s always important to read the terms and conditions.
There isn't a limit to how many business credit cards you can have and having more than one can help to maximise rewards. However it's important to only apply for the credit cards that you can use responsibly, as otherwise it could harm your credit score. Smaller businesses might have a couple of credit cards to suit their cashflow needs or for employees to use them for expenses.
Yes, business credit card rewards can expire but it will depend on your provider. For example, some rewards won't expire as long as you have the account open and active, but others might have a specific timeframe for use.
It's important to note that if you get a refund for a purchase made with a business rewards credit card, the rewards you initially earned will be deducted from your balance.
Generally, most business credit card rewards are not taxable. This means air miles or travel points don't need to be reported to HMRC. But, if you receive cash rewards or cash bonuses, these can be taxable so it's important to flag these when you do your tax return.
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