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Business credit cards are a convenient way for staff to pay for goods or expenses incurred during their work. If you run your own business or have a small business they can also be a useful tool to manage monthly cash flow. Our rate tables below show the best rates for business credit cards in the market.

 

  If you would like more information about business credit cards read our guide below.

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Capital on Tap Logo
Capital on Tap Business Mastercard
Interest Free Days
56
APR
39.9%
Additional Information
Free UK ATM withdrawals and 0% commission on FX
No introductory 0% purchase or balance transfer terms
Upgrades avaliable to earn rewards
Go To Provider's Site
Representative Example:Based on a credit limit of £1200.00 charged at 39.941% 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: 12 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 Contactless payment not available
Maximum payment Contactless payment not available

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%
Barclaycard Business Logo
Barclaycard Business Premium Plus Credit Card Mastercard
Interest Free Days
56
APR
36.2%
Additional Information
Up to 66% off standard AA membership rates
£100 annual fee
Enhanced travel insurance benefits
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.
Criteria
Extra Info.
Bill Payment
Standard Interest Rates
Benefits and Features
Charges

Application Criteria

Existing customers only
Account with card provider required
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
0.0% for 6 months.

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 any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.

Standard Interest Rates

For purchase
Monthly 1.167%
APR 36.2%
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 56 days
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee £100.00 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 0.99%
Worldwide 0.99%
Cashplus Logo
Cashplus Business Credit Card Mastercard
Interest Free Days
56
APR
29.9%
Additional Information
No monthly or annual fees
No introductory 0% purchase or balance transfer terms
Manage your card online
Representative Example:Based on a credit limit of £1200.00 charged at 29.94% variable per annum for purchases. Representative 29.9% 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
Invitation only
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 5.0% or £10.00 each month.

Standard Interest Rates

For purchase
Monthly 2.210%
APR 29.9%
For cash withdrawals
Monthly 2.840%
Annual 34.94%
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 £30.00

Charges

Card fee N/A
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 2.99%
Worldwide 2.99%
NatWest Logo
NatWest Business Plus Credit Card Mastercard
Interest Free Days
56
APR
29.0%
Additional Information
No balance transfer fee
£70 annual fee per card
Free online account servicing
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
Ltd Co, LLP, Partnerships (of 4 or more partners) and Charitable Incorporated Organisations - UK based.
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 £5.00 each month.

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 £30.00

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%
Royal Bank of Scotland Logo
Royal Bank of Scotland Business Plus Credit Card Mastercard
Interest Free Days
56
APR
29.0%
Additional Information
No balance transfer fee
£70 annual fee per card
Free online account servicing
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
Ltd Co, LLP, Partnerships (of 4 or more partners) and Charitable Incorporated Organisations - UK based.
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 £5.00 each month.

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 £30.00

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%
Barclaycard Business Logo
Barclaycard Business (Online) Select Credit Card Mastercard
Interest Free Days
56
APR
26.4%
Additional Information
0% on purchases for first 6 months
£32 annual fee
Up to 66% off standard AA membership rates
Representative Example:Based on a credit limit of £1200.00 charged at 19.9% variable per annum for purchases. Representative 26.4% APR variable.
Criteria
Extra Info.
Bill Payment
Standard Interest Rates
Benefits and Features
Charges

Application Criteria

Existing customers only
Account with card provider required
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
0.0% for 6 months.

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 any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.

Standard Interest Rates

For purchase
Monthly 1.523%
APR 26.4%
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 56 days
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee Year 1 - £0.00, Year 2 onwards - £32.00 per annum
Balance transfer fee Balance transfer not available
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad:
European Union 2.99%
Worldwide 2.99%
Barclaycard Business Logo
Barclaycard Business Flex Credit Card Mastercard
Interest Free Days
56
APR
24.9%
Additional Information
Up to 66% off standard AA membership rates
£12 late payment fee
No annual card fee
Representative Example:Based on a credit limit of £1200.00 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Criteria
Extra Info.
Bill Payment
Standard Interest Rates
Benefits and Features
Charges

Application Criteria

Existing customers only
Account with card provider required
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
0.0% for 3 months.

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 any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.

Standard Interest Rates

For purchase
Monthly 1.870%
APR 24.9%
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 56 days
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
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 2.99%
Worldwide 2.99%
Barclaycard Business Logo
Barclaycard Business Travis Perkins Trade Credit Card Mastercard
Interest Free Days
56
APR
24.9%
Additional Information
0.00% for 60 days on purchases made at Travis Perkins
Balance transfers not available
No annual card fee
Representative Example:Based on a credit limit of £1200.00 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Criteria
Extra Info.
Bill Payment
Standard Interest Rates
Benefits and Features
Charges

Application Criteria

Existing customers only
Account with card provider required
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
0.0% for 3 months.

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 any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.

Standard Interest Rates

For purchase
Monthly 1.870%
APR 24.9%
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 56 days
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
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 2.99%
Worldwide 2.99%
Barclaycard Business Logo
Barclaycard Business Toolstation Trade Card Mastercard
Interest Free Days
56
APR
24.9%
Additional Information
0.00% for 60 days on purchases made at Toolstation
Balance transfers not available
No annual card fee
Representative Example:Based on a credit limit of £1200.00 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Criteria
Extra Info.
Bill Payment
Standard Interest Rates
Benefits and Features
Charges

Application Criteria

Existing customers only
Account with card provider required
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
0.0% for 3 months.

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 any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.

Standard Interest Rates

For purchase
Monthly 1.870%
APR 24.9%
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 56 days
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
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 2.99%
Worldwide 2.99%
NatWest Logo
NatWest Business Credit Card Mastercard
Interest Free Days
56
APR
24.3%
Additional Information
No annual fee in year 1
No introductory 0% period for purchases or balance transfers
Free online account servicing
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 5.0% or £5.00 each month.

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 £30.00

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%
Note

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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.

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Still not sure?

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Business credit cards explained

nigel woollsey

Nigel Woollsey

Online Writer
Published: 12/02/2019

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 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.

credit cards

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.

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