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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.

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Capital on Tap Business Card

Unlimited free 1% cashback. Fast application and decision. Credit limits up to £150,000. No account fees. No FX or UK ATM fees.

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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).

Compare business credit cards from top providers

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How to compare business credit cards

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

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.

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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.

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Free unlimited 1% cashback

Eligibility

UK Resident

RBS existing customers only

Royal Bank of Scotland Business Credit Card

Purchases

16.9% p.a. variable

Annual fee

£0 in the first year, £30 thereafter

Representative APR (variable)

24.3% APR

Royal Bank of Scotland Business Credit Card

Eligibility

UK Resident

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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

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Further Information

Business credit cards and paying your tax by gov.uk
What to know when starting a business according to the Money Advice Service
Opening a business current account from UK Finance

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