Business Credit Cards - moneyfacts.co.uk

Compare the Best Business Credit Cards
	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	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...
	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 16.945% 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 16.945% 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... Proceed
	Representative Example: Based on a credit limit of £1200.00 charged at 18.941% variable per annum for purchases. Representative 18.9% APR variable.
	American Express The Nectar for Business Credit Cd	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... Proceed
	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 TSB 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.
	NatWest Business Credit Card	23.2%	45	Access to exclusive offers £32 annual fee £1m employee misuse insurance	Details...
	Representative Example: Based on a credit limit of £1200.00 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	23.2%	45	Access to exclusive offers £32 annual fee £1m employee misuse insurance	Details...
	Representative Example: Based on a credit limit of £1200.00 charged at 18.268% variable per annum for purchases. Annual fee of £32 applies. Representative 23.2% APR variable.
	Barclaycard Commercial Cashback Business CC Visa	25.1%	56	0% on purchases for first 3 months £32 annual fee Earn up to 3% cashback on your business spending	Details... Proceed
	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.
Compare Last Updated: Friday 24 May 2013 17:51

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 Pig Credit 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.

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

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Compare

Compare the Best Business Credit Cards
Compare Up to 3 products side by side		APR	Interest Free Days	Additional Information	Apply Today

	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	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...
	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 16.945% 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 16.945% 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... Proceed
	Representative Example: Based on a credit limit of £1200.00 charged at 18.941% variable per annum for purchases. Representative 18.9% APR variable.
	American Express The Nectar for Business Credit Cd	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... Proceed
	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 TSB 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.
	NatWest Business Credit Card	23.2%	45	Access to exclusive offers £32 annual fee £1m employee misuse insurance	Details...
	Representative Example: Based on a credit limit of £1200.00 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	23.2%	45	Access to exclusive offers £32 annual fee £1m employee misuse insurance	Details...
	Representative Example: Based on a credit limit of £1200.00 charged at 18.268% variable per annum for purchases. Annual fee of £32 applies. Representative 23.2% APR variable.
	Barclaycard Commercial Cashback Business CC Visa	25.1%	56	0% on purchases for first 3 months £32 annual fee Earn up to 3% cashback on your business spending	Details... Proceed
	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.
Compare Last Updated: Friday 24 May 2013 17:51

Compare Business Credit Cards

Compare the Best Business Credit Cards

Business credit cards explained

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