Business Credit Cards

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Home Business Business Credit Cards

How to find the best Business Credit Card

When comparing credit cards, you should look at the APR, which includes the annual fee you’ll have to pay, as these can vary considerably. Most business credit cards have a grace period – typically between 45 and 59 days – in which you can repay purchases made on the card without accruing interest.

Interest Free Days

APR

24.3%

Additional Information

No annual fee in year 1

No introductory 0% period for purchases or balance transfers

Free online account servicing

Go To Provider's Site

Representative Example:Based on a credit limit of £1200.00 charged at 18.268% variable per annum for purchases. Representative 24.3% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

Sole traders, Ltd Co, LLP, Partnerships, Charities, Clubs and Societies - UK based with turnover < £2m per annum.

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

No charge

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 3.0% or £5.00 each month. or the total of any interest, default fees and charges, 1/12th of annual fee plus 3% of the outstanding balance.

Standard Interest Rates

For purchase

Monthly 1.408%

APR 24.3%

For cash withdrawals

Monthly 1.408%

Annual 18.27%

For balance transfers

Monthly 1.408%

Annual 18.27%

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 56 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment £0.01

Maximum payment £45.00

Charges

Card fee Year 1 - £0.00, Year 2 onwards - £30.00 per annum

Balance transfer fee No charge

Cash withdrawal fee 3.00% - Min £3.00

Money transfer fee Money transfer not available

Using a card abroad:

European Union 2.95%

Worldwide 2.95%

Go To Provider's Site

Interest Free Days

APR

29.0%

Additional Information

No balance transfer fee

£70 annual fee per card

Free online account servicing

Go To Provider's Site

Representative Example:Based on a credit limit of £1200.00 charged at 14.816% variable per annum for purchases. Fee of £70 per annum applies. Representative 29.0% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

Sole traders, Ltd Co, LLP, Partnerships, Charities, Clubs and Societies - UK based with turnover < £6m per annum.

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

No charge

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 3.0% or £5.00 each month. or the total of any interest, default fees and charges, 1/12th of annual fee plus 3% of the outstanding balance.

Standard Interest Rates

For purchase

Monthly 1.158%

APR 29.0%

For cash withdrawals

Monthly 1.158%

Annual 14.82%

For balance transfers

Monthly 1.158%

Annual 14.82%

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 56 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment £0.01

Maximum payment £45.00

Charges

Card fee £70.00 per annum

Balance transfer fee No charge

Cash withdrawal fee 3.00% - Min £3.00

Money transfer fee Money transfer not available

Using a card abroad:

European Union 0.00%

Worldwide 0.00%

Go To Provider's Site

Interest Free Days

APR

39.9%

Additional Information

Free UK ATM withdrawals and 0% commission on FX

No introductory 0% purchase or balance transfer terms

Business rewards available for a fee

Go To Provider's Site

Representative Example:Based on a credit limit of £1200.00 charged at 39.41% variable per annum for purchases. Representative 39.9% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

Minimum turnover required: £24K Minimum trading term: 3 months.

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

Balance transfer not available

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 10.0% or £250.00 each month.

Standard Interest Rates

For purchase

Monthly 2.840%

APR 39.9%

For cash withdrawals

Monthly 3.430%

Annual 49.89%

For balance transfers

Monthly Balance transfer not available

Annual Balance transfer not available

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 56 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment £0.01

Maximum payment £45.00

Charges

Card fee N/A

Balance transfer fee Balance transfer not available

Cash withdrawal fee No charge

Money transfer fee Money transfer not available

Using a card abroad:

European Union 0.00%

Worldwide 0.00%

Go To Provider's Site

Interest Free Days

APR

14.9%

Additional Information

No annual fee

No introductory 0% period for purchases or balance transfers

Have/open Metro Bank business/commercial current account

Representative Example:Based on a credit limit of £1200.00 charged at 14.9% variable per annum for purchases. Representative 14.9% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

Available subject to status to Metro Bank Business or Commercial Current Account customers

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

No charge

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 5.0% or £20.00 each month. or the total of any interest, default fees and charges plus 5% of the outstanding balance.

Standard Interest Rates

For purchase

Monthly 1.164%

APR 14.9%

For cash withdrawals

Monthly 1.164%

Annual 14.90%

For balance transfers

Monthly 1.164%

Annual 14.90%

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 56 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment £0.01

Maximum payment £45.00

Charges

Card fee N/A

Balance transfer fee No charge

Cash withdrawal fee No charge

Money transfer fee Money transfer not available

Using a card abroad:

European Union 0.00%

Worldwide 2.99%

Interest Free Days

APR

22.0%

Additional Information

No annual fee to pay for the first year

No introductory 0% period for purchases

Existing business current account customers only

Representative Example:Based on a credit limit of £1200.00 charged at 15.9% variable per annum for purchases. Representative 22.0% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

Customers must have HSBC business current account and set up direct debit from that account to apply for the card.

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

Balance transfer not available

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 1.5% or £5.00 each month.

Standard Interest Rates

For purchase

Monthly 1.238%

APR 22.0%

For cash withdrawals

Monthly 1.238%

Annual 15.90%

For balance transfers

Monthly Balance transfer not available

Annual Balance transfer not available

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 56 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment £0.01

Maximum payment £45.00

Charges

Card fee Year 1 - £0.00, Year 2 onwards - £32.00 per annum

Balance transfer fee Balance transfer not available

Cash withdrawal fee 2.99% - Min £3.00

Money transfer fee Money transfer not available

Using a card abroad:

European Union 2.99%

Worldwide 2.99%

Interest Free Days

APR

22.4%

Additional Information

Detailed monthly statements

£32 annual fee

Open to existing business current account customers

Representative Example:Based on a credit limit of £1200.00 charged at 17.57% variable per annum for purchases. Fee of £32 per annum applies. Representative 22.4% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

Open to existing business current account customers.

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

Balance transfer not available

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges, 1/12th of annual fee plus 1% of the outstanding balance.

Standard Interest Rates

For purchase

Monthly 1.358%

APR 22.4%

For cash withdrawals

Monthly 1.358%

Annual 17.57%

For balance transfers

Monthly Balance transfer not available

Annual Balance transfer not available

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 45 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment £0.01

Maximum payment £45.00

Charges

Card fee £32.00 per annum

Balance transfer fee Balance transfer not available

Cash withdrawal fee 2.50% - Min £2.50

Money transfer fee Money transfer not available

Using a card abroad:

European Union 2.95%

Worldwide 2.95%

Interest Free Days

APR

22.4%

Additional Information

No fee to pay for the first year

No introductory 0% period for purchases or balance transfers

Manage your card online

Representative Example:Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 22.4% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

Company must have business current account with issuer to be eligible for this card

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

Balance transfer not available

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges, annual card fee plus 1% of the outstanding balance.

Standard Interest Rates

For purchase

Monthly 1.313%

APR 22.4%

For cash withdrawals

Monthly 2.075%

Annual 27.90%

For balance transfers

Monthly Balance transfer not available

Annual Balance transfer not available

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 59 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment Contactless payment not available

Maximum payment Contactless payment not available

Charges

Card fee Year 1 - £0.00, Year 2 onwards - £28.00 per annum

Balance transfer fee Balance transfer not available

Cash withdrawal fee 3.00% - Min £3.00

Money transfer fee Money transfer not available

Using a card abroad:

European Union 2.95%

Worldwide 2.95%

Interest Free Days

APR

22.4%

Additional Information

No annual fee to pay for the first year

No introductory 0% period for purchases or balance transfers

Manage your card online

Representative Example:Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 22.4% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

Company must have business current account with issuer to be eligible for this card

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

Balance transfer not available

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges, annual card fee plus 1% of the outstanding balance.

Standard Interest Rates

For purchase

Monthly 1.313%

APR 22.4%

For cash withdrawals

Monthly 2.075%

Annual 27.90%

For balance transfers

Monthly Balance transfer not available

Annual Balance transfer not available

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 59 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment Contactless payment not available

Maximum payment Contactless payment not available

Charges

Card fee Year 1 - £0.00, Year 2 onwards - £28.00 per annum

Balance transfer fee Balance transfer not available

Cash withdrawal fee 3.00% - Min £3.00

Money transfer fee Money transfer not available

Using a card abroad:

European Union 2.95%

Worldwide 2.95%

Interest Free Days

APR

22.4%

Additional Information

Detailed monthly statements

£32 annual fee

Open to existing business current account customers

Representative Example:Based on a credit limit of £1200.00 charged at 17.57% variable per annum for purchases. Fee of £32 per annum applies. Representative 22.4% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

Open to existing business current account customers

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

Balance transfer not available

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges, 1/12th of annual fee plus 1% of the outstanding balance.

Standard Interest Rates

For purchase

Monthly 1.358%

APR 22.4%

For cash withdrawals

Monthly 1.358%

Annual 17.57%

For balance transfers

Monthly Balance transfer not available

Annual Balance transfer not available

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 45 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment £0.01

Maximum payment £45.00

Charges

Card fee £32.00 per annum

Balance transfer fee Balance transfer not available

Cash withdrawal fee 2.50% - Min £2.50

Money transfer fee Money transfer not available

Using a card abroad:

European Union 2.95%

Worldwide 2.95%

Interest Free Days

APR

23.7%

Additional Information

1% cashback on purchases

No introductory 0% period for purchases or balance transfers

Annual fee £30 per account not card

Representative Example:Based on a credit limit of £1200.00 charged at 18.9% variable per annum for purchases. Fee of £30 per annum applies. Representative 23.7% APR variable.

Criteria

Extra Info.

Bill Payment

Standard Interest Rates

Benefits and Features

Charges

Application Criteria

Existing customers only

Account with card provider required

Additional criteria

UK based - Sole-traders, Partnerships, Limited Liability Partnership, or Private Limited Companies

Apply for this card

Internet

In branch

Post

Telephone

Additional Information

Introductory balance transfer rate & period

No introductory balance transfer terms available

Balance transfer fee

3.00% - Min £5.00

Introductory purchase rate & period

No 0% introductory period

Bill Payment

Standing order (fixed amount)

Direct debit (minimum payment)

Direct debit (fixed monthly amount)

Direct debit (fixed % of balance)

Direct debit (full amount)

Minimum monthly payment

Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges, annual card fee plus 1% of the outstanding balance.

Standard Interest Rates

For purchase

Monthly 1.457%

APR 23.7%

For cash withdrawals

Monthly 2.075%

Annual 27.90%

For balance transfers

Monthly 1.457%

Annual 18.90%

For money transfers

Monthly Money transfer not available

Annual Money transfer not available

Benefits and Features

Interest free days (purchase) Up to 56 days

Rewards earned on

Purchases

Balance transfers

Money transfers

Cash transfers

Money transfer available

Contactless payment

Available

Minimum payment £0.01

Maximum payment £45.00

Charges

Card fee . All - Fee paid is per business, not per card: £30.00 per annum

Balance transfer fee 3.00% - Min £5.00

Cash withdrawal fee 3.00% - Min £3.00

Money transfer fee Money transfer not available

Using a card abroad:

European Union 0.00%

Worldwide 0.00%

Note

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.

Disclaimer

All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Quick Links

Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we may receive a modest commission either when you press a 'Go to Provider' or 'Speak to a Broker' button, when you call an advertised number or when you complete an application.

Business credit cards explained

Nigel Woollsey

Online Writer

At a glance

Lets staff make purchases or helps self-employed/small business owners 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.
Read the small print for any eligibility restrictions before making an application.

How long before purchases made on my business credit card accrue interest?

Most business credit cards have a grace period – typically between 45 and 59 days – in which you can repay purchases made on the card without accruing interest. This grace period can also give you some payment flexibility if you have a particularly expensive month.

How do I find the right business credit card for me?

When comparing credit cards, you should look at the APR, which includes the annual fee you’ll have to pay, as these can vary considerably. Providers can 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.

Moneyfacts tip

Moneyfacts tip nigel woollsey

Credit can be a useful way to manage short term blips in cashflow. However pay close attention to the when interest will start to be charged as interest costs could soon mount up. If you need more longer term lending then consider a business loan.

Back to the top

Sending money abroad

Find out how to send money abroad for your business easily, securely and quickly using an international money transfer specialist. Our guide explains how it works and the costs involved.

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Business Credit Cards

We found 20 products

How to find the best Business Credit Card

Application Criteria

Additional criteria

Apply for this card

Additional Information

Introductory balance transfer rate & period

Balance transfer fee

Introductory purchase rate & period

Bill Payment

Minimum monthly payment

Standard Interest Rates

For purchase

For cash withdrawals

For balance transfers

For money transfers

Benefits and Features

Rewards earned on

Contactless payment

Charges

Using a card abroad:

Application Criteria

Additional criteria

Apply for this card

Additional Information

Introductory balance transfer rate & period

Balance transfer fee

Introductory purchase rate & period

Bill Payment

Minimum monthly payment

Standard Interest Rates

For purchase

For cash withdrawals

For balance transfers

For money transfers

Benefits and Features

Rewards earned on

Contactless payment

Charges

Using a card abroad: