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Capital on Tap Business Rewards Card
Purchases
29.9% p.a. variable
Annual fee
£99
Representative APR (variable)
29.9% APR
Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback) or 1 Avios. Free UK ATM withdrawals and 0% commission on FX. T&Cs apply.
Available to limited companies and limited liability partnerships.
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).
Eligibility
CCJs Allowed
Credit Rating
History of Bankruptcy
Minimum Age
Minimum Income
Capital on Tap Business Credit Card
Purchases
29.9% p.a. variable
Annual fee
£0
Representative APR (variable)
29.9% APR
Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback). No monthly or annual fees, free UK ATM withdrawals and 0% commission on FX. T&Cs apply.
Available to limited companies and limited liability partnerships.
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).
Eligibility
CCJs Allowed
Credit Rating
History of Bankruptcy
Minimum Age
Minimum Income
Earn 2% Cashback on all spend for the first 3 months. T&C’s Apply
Barclaycard Select Cashback Business Credit Card
Purchases
21.9% p.a. variable
Annual fee
£0
Representative APR (variable)
21.9% APR
The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. T&Cs apply.
Offer ends 31st March 2022.
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).
Eligibility
CCJs Allowed
Credit Rating
History of Bankruptcy
Minimum Age
Minimum Income
Barclaycard Premium Plus Business Credit Card
Purchases
14.9% p.a. variable
Annual fee
£0
Representative APR (variable)
49.4% APR
£150 account fee applies per account. No additional cardholder fees. 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 14.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 49.4% APR (variable).
Eligibility
CCJs Allowed
Credit Rating
History of Bankruptcy
Minimum Age
Minimum Income
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
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
CCJs Allowed
Credit Rating
History of Bankruptcy
Minimum Age
Minimum Income
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
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
CCJs Allowed
Credit Rating
History of Bankruptcy
Minimum Age
Minimum Income

Last updated: 11 January, 2022

What are business credit cards?

A business credit card, or company credit card, is one that's held by a company instead of an individual.

It can be used for business spending. Or it can be used to build a credit profile or manage employees' expenses.

Business credit cards are available to businesses of any size.

Here's some more information about business credit cards and who can get them.

Do you need a business credit card?

Business credit cards can be useful for a variety of reasons, some of the most common benefits of a company credit card include: 

  • Keeping your own finances separate from your business'

  • They help you control cash flow. You can spend money even when you're waiting for incoming funds (you'll pay it back when you get your monthly credit card bill)

  • It can reduce admin time processing your employees' expenses

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

Who can get a company credit card?

There are lots of people who might benefit from a credit card for business.

You might be able to get one if:

  • You run a small business (there are special small business credit cards)

  • You're a sole trader

  • You're setting up a new business

  • You make purchases for a larger company you work for.

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

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

Are there costs associated with credit cards for business?

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’ll see information in our table above about the annual fee.

The other main fee you'll see is interest rates. The amount of interest you can be charged can vary quite considerably so when you’re comparing business credit cards, it’s worth bearing in mind how you plan to use your card. The fees will likely differ if you withdraw cash, use your card abroad, if you go over your credit limit, or if you miss a repayment.

You can find out more about credit card charges here. 

How to find the best company credit card for your business?

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, you'll need to find a company credit card with a low APR. Or, find one with a 0% period on purchases. This will keep down the amount of interest you pay.

But, if you'll be repaying your balance in full every month, you won't be charged interest. So you're best off looking for company credit cards with benefits such as a low annual fee or a good rewards scheme. Some come with benefits like insurance or cashback deals.

Don't forget to make sure that you can get as many cards as you need to, for all your employees.

What perks do business credit cards come with?

As with any credit card, different business credit cards have different benefits. These could include:

  • Cashback - you'll get a percentage of what you spend returned to you

  • Insurance - such as free travel insurance

  • Discounts - you'll get exclusive offers on certain stores or leisure activities

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

  • Reward points - such as air miles or points that can be exchanged for other vouchers.

What are the alternatives to a business credit card?

The alternatives to business credit cards will largely depend on how and why you’re considering a company 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, you could consider a business loan.

You can view all of our business specific products here.

Business credit card FAQs

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