Compare business credit cards

Organise your spending with a company credit card. Our best business credit cards help you earn rewards and save money with low-interest rates and fees.

  • Compare credit cards from leading providers
  • Earn bonus points and rewards
  • Apply in minutes

Compare business credit cards from top providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

Barclaycard
Royal Bank of Scotland
Capital on Tap
NatWest

How to compare business credit cards

1

Compare credit cards

Use our table of offers to find a credit card that offers all the features you need with the lowest fees and interest rates.

2

Check your eligibility

Carefully review your chosen card's terms to make sure you fit its eligibility criteria, then get your proof of ID ready.

3

Apply for the card you want

Click "view deals" and fill out the application form on the provider's website. Then sit back and wait for a reply.

Business credit cards

4 results found, sorted by affiliated products first. How we order our comparisons.
Sort
Free unlimited 1% cashback
Capital on Tap Business Credit Card
Purchases
29.9% p.a. variable
Annual fee
£0
Representative APR (variable)
29.9% APR
Capital on Tap Business Credit Card
Earn points on all card spend, and redeem for unlimited free 1% cashback or e-gift cards. Upgrade to Business Rewards for £99 to also redeem points for Avios, and to receive 10,000 bonus points when you spend £5,000 in your first 3 months.
No monthly or annual fees, free UK ATM withdrawals and 0% commission on FX. Available to limited companies and LLPs. T&Cs apply.
Representative Example: The standard interest rate on purchases is 29.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.9% APR (variable).
Get 3% cashback on your business travel spend
Barclaycard Select Cashback Business Credit Card
Purchases
21.9% p.a. variable
Annual fee
£0
Representative APR (variable)
21.9% APR
Barclaycard Select Cashback Business Credit Card
New Select Cashback Credit Card customers can earn 3% cashback on business travel spend for the first 4 months (an extra 2% on top of their standard 1% cashback).
The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. T&Cs apply.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% APR (variable).
NatWest existing customers only
NatWest Business Credit Card
Purchases
16.9% p.a. variable
Annual fee
£0 in the first year, £30 thereafter
Representative APR (variable)
24.3% APR
NatWest Business Credit Card
To be eligible you need to maintain a business bank account in the same legal entity name with NatWest. Product fees may apply.
Over 18s only. Eligible UK businesses and for business use only. Subject to status.
Representative Example: Representative Example: The standard interest rate on purchases is 16.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.3% APR (variable). £30 annual fee.
Eligibility
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

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.

What are business credit cards?

A business or company credit card is one that's held by a corporate entity rather than an individual.

It is generally used for business spending, but it can also be helpful for building your company's credit profile and managing employees' expenses.

Business credit cards are available to businesses of any size.

Do you need a business credit card?

There are a number of benefits that can make a company credit card desirable. These include: 

  • keeping your business transactions separate from your personal ones

  • enabling your business to spend while waiting for incoming funds

  • reducing time spent processing your employees' expenses

  • receiving extra protection when you spend in the UK and abroad

If you think your business would profit from these features, then it may be worth applying for a company credit card.

Who can get a company credit card?

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

  • You run a small business*

  • You're a sole trader

  • You're setting up a new business

  • You make purchases for a company that you work for

* Look out for specialist credit cards designed for small businesses

There are lots of different company credit cards, and each has a different set of requirements. For example, some are only available to businesses with a minimum or maximum annual turnover. Others require you to show two years of accounts.

You might get a different deal depending on the size of your business and its financial strength.

Find out more about business credit cards

Do you have to pay extra fees for a business credit card?

Yes, some business credit cards charge annual fees. Others are free for the first year, and some don't charge annual fees at all. You can see the annual fee of each card on our the table above.

The other main thing to consider is your chosen card's interest rate. The amount of interest that card companies charge can vary considerably, so it’s worth bearing in mind how you plan to use your card when comparing business credit cards. The fees will likely differ if you use it to withdraw cash or while abroad, or if you go over your credit limit or miss a repayment.

You can find out more about credit card charges here. 

How do you find the best company credit card?

Finding the best business credit card will depend on you, your business and what you need your business credit card for.

If you're looking for a card to borrow money and spread the repayments over several months, a company credit card with a low APR (annual percentage rate) may suit you. Alternatively, you could look for a business credit card with a 0% period on purchases. Both options lower the amount of interest you pay.

But, if you plan to pay off your balance in full every month, you won't be charged interest. In this case, you're better off looking for business credit cards with a low annual fee or a good rewards scheme. Some include benefits such as free insurance or cashback.

Also, don't forget to get cards for your employees if necessary.

What perks do you get with business credit cards?

Different business credit cards have different benefits. These include:

  • cashback - a percentage of what you spend is returned

  • free insurance - for example, travel insurance

  • discounts - exclusive offers on certain stores or leisure activities

  • 0% interest deals - no interest on your spending for a set time period

  • rewards - for example, Air Miles or points that can be exchanged for vouchers

Are there any alternatives to business credit cards?

This largely depends on why you’re considering a business credit card.

If you’re simply looking for a way to pay for things and already have the money to do so, a business bank account could be an option.

However, if you’re looking to borrow in order to finance a large purchase, a business loan might be more appropriate.

Review all business-specific products

Business credit card FAQs

About our credit cards comparison

Further Information

Explore credit cards guides

See more guides

credit card in a portable credit card reader machine

How to use a credit card for interest free purchases

0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.

More on using a credit card for interest free purchases
A picture of a man holding a credit card next to a laptop and phone

How to get accepted for a credit card

Here is how to improve your chances of getting accepted for a credit card.

Read More
Visa and Mastercard

What is the difference between Visa and MasterCard?

MasterCard and Visa work very similarly to one another. They are payment networks, which process payments when you spend using your credit, debit or prepaid card.

Read More

Which Credit Card Is Best For Me? - Choose a card

Choosing the right type of credit card could save you money in interest, earn you rewards or help you get accepted. Here is how to pick the right one and where to find it.

Read More
Black and red scoring gauge

How to improve your credit score

You can take these steps to improve your credit score and increase your chances of getting accepted for credit in the future.

Read More

How to use cashback credit cards

If you pay off your credit card every month you could make a profit on your spending with a cashback card. Here is how to pick a card and maximise what you earn.

Read More

Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

stevie award
WMA 2021 Logo-768x632
nba logo
logo dma
ecommerce awards

Last updated: 8 July 2022