Compare Business Credit Cards

  - Compare the best business credit cards as chosen by our experts. Where we have been able to, we have also provided a direct link for you to apply today.
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Compare the Best Business Credit Cards

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APRInterest Free DaysAdditional InformationApply Today 
 
Metro Bank


Business Credit Card MasterCard
13.0%60
  • No annual fee
  • Can't pay bill by direct debit
  • Have/open Metro Bank business current account to be eligible
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 0.0% variable per annum for purchases. Representative 13.0% APR variable. 
HSBC


Commercial Visa
15.9%56
  • No annual fee to pay for the first year
  • No introductory 0% period for purchases or balance transfers
  • Existing business current account customers only
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 15.9% variable per annum for purchases. Representative 15.9% APR variable. 
Capital One

Aspire Business MasterCard
16.9%56
  • No annual fee
  • Credit card will be in your name, not the business'
  • Earn 5% cashback on spending in the first 3 months
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.94% variable per annum for purchases. Representative 16.9% APR variable. 
Clydesdale Bank


Business MasterCard
16.9%56
  • No fee to pay for the first year
  • No introductory 0% period for purchases or balance transfers
  • Travel accident insurance for travel delays over 12 hours
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
Yorkshire Bank


Business MasterCard
16.9%56
  • No annual fee to pay for the first year
  • No introductory 0% period for purchases or balance transfers
  • Travel accident insurance for travel delays over 12 hours
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 16.9% APR variable. 
Barclaycard Commercial


Gold Credit Card Visa
18.9%56
  • 0% on balance transfer for first 22 months
  • £12 late payment fee
  • Extended warrant cover
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Representative 18.9% APR variable. 
American Express


The Nectar for Business Credit Card
19.9%56
  • No annual fee
  • No introductory 0% period for purchases or balance transfers
  • Earn up to 4 Nectar points per £1 spent at participating retailers
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 19.9% APR variable. 
Barclaycard Commercial


Gold Credit Card MasterCard
21.9%56
  • 0% on purchases for first 3 months
  • £32 annual fee
  • Up to 55% off usual AA membership rates
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Annual fee of £32 applies. Representative 21.9% APR variable. 
Lloyds Bank


Business Credit Card Visa
22.4%45
  • Detailed monthly statements
  • £32 annual fee
  • Business current a/c customers of 12 months or more only
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.57% variable per annum for purchases. Annual fee of £32 applies. Representative 22.4% APR variable. 
TSB


Business Credit Card Visa
22.4%45
  • Detailed monthly statements
  • £32 annual fee
  • Existing business current account customers only
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 17.57% variable per annum for purchases. Annual fee of £32 applies. Representative 22.4% APR variable. 
NatWest


Business Credit Card Visa
23.2%45
  • Access to exclusive offers
  • £32 annual fee
  • £1m employee misuse insurance
Details... 
  Representative Example: Based on a credit limit of £1500.00 charged at 18.268% variable per annum for purchases. Annual fee of £32 applies. Representative 23.2% APR variable. 
Royal Bank of Scotland


Business Credit Card Visa
23.2%45
  • Access to exclusive offers
  • £32 annual fee
  • £1m employee misuse insurance
Details... 
  Representative Example: Based on a credit limit of £1500.00 charged at 18.268% variable per annum for purchases. Annual fee of £32 applies. Representative 23.2% APR variable. 
Barclaycard Commercial


Cashback Business Credit Card Visa
25.1%56
  • 0% on purchases for first 3 months
  • £32 annual fee
  • Earn up to 3% cashback on your business spending
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Annual fee of £32 applies. Representative 25.1% APR variable. 
Barclaycard Commercial


Platinum Credit Card Visa
28.6%56
  • Up to 55% off usual AA membership rates
  • £78 annual fee
  • Enhanced travel insurance benefits
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 15.2% variable per annum for purchases. Annual fee of £78 applies. Representative 28.6% APR variable. 
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Last Updated: Thursday 30 October 2014 10:51

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:
Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.

Moneyfacts.co.uk Limited is an independent credit broker. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

 

Business credit cards explained

  • Lets staff make purchases or helps you manage cash flow
  • Most cards charge an annual fee, with an extra charge per additional cardholder
  • Make sure you repay the balance in full, or a business credit card can end up being expensive

Business credit cards are a convenient way for staff that need to spend during the course of their work to do so. Instead of employees having to submit expense claims to recoup their own money, a business credit card can allow them to pay without the hassle – or the paperwork! Alternatively, a business credit card can help a self employed or small business owner to manage their monthly cash flow in addition to using their overdraft.

Penny PigCredit cards can be an expensive way to borrow. So in order to get the most out your card, while paying the least, make sure you repay the balance in full before you start being charged interest.

Most business credit cards have a 56 day interest-free grace period in which you can repay purchases made on the card. This two month grace period, can also give you some payment flexibility if you have a particularly expensive month.

When comparing credit cards you should look at the APR and the annual fee you’ll have to pay, as these can vary considerably. Providers will also charge for each additional card you need on the account. Some business credit card providers will require you to be banking with them already in order to be eligible for a card. Others will only offer a card where your turnover is above, or below a certain level.

WarningMake sure you read the small print for any eligibility restrictions before making an application.

 

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