Business Credit Cards - Company Credit Cards | moneyfacts.co.uk

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 
 
Capital on Tap

Business MasterCard
39.4%37
  • No monthly or annual fees, free UK ATM withdrawals and 0% commission on FX
  • No introductory 0% purchase or balance transfer terms
  • Minimum turnover required: £24K Minimum trading term: 12 months
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 19.2% variable per annum for purchases. Representative 39.4% APR variable. 
Metro Bank

Business Credit Card MasterCard
13.0%56
  • No annual fee
  • No introductory 0% period for purchases or balance transfers[
  • Have/open Metro Bank business current account to be eligible
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 13.0% variable per annum for purchases. Representative 13.0% APR variable. 
HSBC

Commercial Visa
22.0%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 22.0% APR variable. 
Bank of Scotland

Business Credit Card MasterCard
22.4%45
  • Access to MasterCard benefits
  • £32 annual fee
  • Open to existing business current account customers
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.3% variable per annum for purchases. Fee of £32 per annum applies. Representative 22.4% APR variable. 
Clydesdale Bank

Business MasterCard
22.4%59
  • No fee to pay for the first year
  • No introductory 0% period for purchases or balance transfers
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 22.4% APR variable. 
Lloyds Bank

Business Credit Card MasterCard
22.4%45
  • Access to MasterCard benefits
  • £32 annual fee
  • Open to existing business current account customers
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.3% variable per annum for purchases. Fee of £32 per annum 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 16.3% variable per annum for purchases. Fee of £32 per annum applies. Representative 22.4% APR variable. 
Yorkshire Bank

Business MasterCard
22.4%59
  • No annual fee to pay for the first year
  • No introductory 0% period for purchases or balance transfers
  • Manage your card online
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 16.9% variable per annum for purchases. Representative 22.4% APR variable. 
NatWest

Business Credit Card MasterCard
23.2%45
  • No balance transfer fee
  • £32 annual fee
  • Free online account servicing
Details... 
  Representative Example: Based on a credit limit of £1500.00 charged at 18.268% variable per annum for purchases. Fee of £32 per annum applies. Representative 23.2% APR variable. 
Royal Bank of Scotland

Business Credit Card MasterCard
23.2%45
  • No balance transfer fee
  • £32 annual fee
  • Free online account servicing
Details... 
  Representative Example: Based on a credit limit of £1500.00 charged at 18.268% variable per annum for purchases. Fee of £32 per annum applies. Representative 23.2% APR variable. 
Santander

Business Cashback Credit Card MasterCard
23.7%56
  • 1% cashback on purchases
  • No introductory 0% period for purchases or balance transfers
  • Annual fee £30 per account not card
Details... 
  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. 
Barclaycard Business

Flex Credit Card MasterCard
24.9%56
  • Up to 66% off standard AA membership rates
  • £12 late payment fee
  • No annual card fee
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable. 
Barclaycard Business

(Online) Select Credit Card MasterCard
26.4%56
  • 0% on purchases for first 6 months
  • £32 annual fee
  • Up to 66% off standard AA membership rates
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 26.4% APR variable. 
Barclaycard Business

Premium Plus Credit Card MasterCard
36.2%56
  • Up to 66% off standard AA membership rates
  • £100 annual fee
  • Enhanced travel insurance benefits
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 14.9% variable per annum for purchases. Fee of £100 per annum applies. Representative 36.2% APR variable. 
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Last Updated: Saturday 21 October 2017 00:17

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:

All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

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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