What are the best business credit cards? | moneyfacts.co.uk

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nigel woollsey

Nigel Woollsey

Online Writer
Published: 11/05/2022

How do we decide which business credit cards get the best rating?

As part of our independent star ratings system, Moneyfacts looks at all the business credit cards available in the UK marketplace. Our in-house experts carefully analyse and compare the various elements that are offered by each product to understand what benefits these bring to the customer. Each business credit card is then assigned a star rating that reflects their performance.

Those that offer the most comprehensive range of standout features and benefits are awarded our top rating of five stars.

How does a star rating help me find the best business credit cards?

Our industry-recognised and impartial star ratings provide business consumers with an expert view of the whole market. Organisations and individuals can use our star ratings as an honest and reliable way to identify the business credit card products and providers that offer the best benefits.

 

Looking for the best business credit cards?

Start your business credit card comparison today. 

What elements of the business credit cards do we look at?

Among the many factors we look at to determine star ratings are:

Benefits

Airport lounge access
Free emergency card
Free emergency cash
Interest free days
Enhanced Purchase protection
Luggage insurance
Free text alerts
Cashback
Travel accident insurance
European/worldwide travel insurance
Flight cancellation/delay insurance
Medical insurance
Personal liability insurance

Benefits

Airport lounge access
Free emergency card
Free emergency cash
Interest free days
Enhanced Purchase protection
Luggage insurance
Free text alerts
Cashback
Travel accident insurance
European/worldwide travel insurance
Flight cancellation/delay insurance
Medical insurance
Personal liability insurance

Charges

Card fees
Balance & money transfer fees
Cash withdrawal fees
Late payment charges
Foreign usage charges
Trace fees
Minimum interest charges
Dormancy fees
Replacement card fees

 

 

 

Charges

Card fees
Balance & money transfer fees
Cash withdrawal fees
Late payment charges
Foreign usage charges
Trace fees
Minimum interest charges
Dormancy fees
Replacement card fees

 

 

 

Flexibility

Opening & operating options
Payment options
Balance transfer availability
Contactless
Number of additional cards








Flexibility

Opening & operating options
Payment options
Balance transfer availability
Contactless
Number of additional cards








Benefits

Airport lounge access
Free emergency card
Free emergency cash
Interest free days
Enhanced Purchase protection
Luggage insurance
Free text alerts
Cashback
Travel accident insurance
European/worldwide travel insurance
Flight cancellation/delay insurance
Medical insurance
Personal liability insurance

Benefits

Airport lounge access
Free emergency card
Free emergency cash
Interest free days
Enhanced Purchase protection
Luggage insurance
Free text alerts
Cashback
Travel accident insurance
European/worldwide travel insurance
Flight cancellation/delay insurance
Medical insurance
Personal liability insurance

Charges

Card fees
Balance & money transfer fees
Cash withdrawal fees
Late payment charges
Foreign usage charges
Trace fees
Minimum interest charges
Dormancy fees
Replacement card fees

 

 

 

Charges

Card fees
Balance & money transfer fees
Cash withdrawal fees
Late payment charges
Foreign usage charges
Trace fees
Minimum interest charges
Dormancy fees
Replacement card fees

 

 

 

Flexibility

Opening & operating options
Payment options
Balance transfer availability
Contactless
Number of additional cards








Flexibility

Opening & operating options
Payment options
Balance transfer availability
Contactless
Number of additional cards








Benefits

Airport lounge access
Free emergency card
Free emergency cash
Interest free days
Enhanced Purchase protection
Luggage insurance
Free text alerts
Cashback
Travel accident insurance
European/worldwide travel insurance
Flight cancellation/delay insurance
Medical insurance
Personal liability insurance

Benefits

Airport lounge access
Free emergency card
Free emergency cash
Interest free days
Enhanced Purchase protection
Luggage insurance
Free text alerts
Cashback
Travel accident insurance
European/worldwide travel insurance
Flight cancellation/delay insurance
Medical insurance
Personal liability insurance

Charges

Card fees
Balance & money transfer fees
Cash withdrawal fees
Late payment charges
Foreign usage charges
Trace fees
Minimum interest charges
Dormancy fees
Replacement card fees

 

 

 

Charges

Card fees
Balance & money transfer fees
Cash withdrawal fees
Late payment charges
Foreign usage charges
Trace fees
Minimum interest charges
Dormancy fees
Replacement card fees

 

 

 

Flexibility

Opening & operating options
Payment options
Balance transfer availability
Contactless
Number of additional cards








Flexibility

Opening & operating options
Payment options
Balance transfer availability
Contactless
Number of additional cards








Five star business credit cards

Moneyfacts Star Ratings Logo 2022 Business Credit Cards

Barclaycard Business - Barclaycard Business Premium Plus Credit Card Mastercard
Barclaycard Business - Barclaycard Business Select Cashback Credit Card Mastercard
Metro Bank - Metro Bank Business Credit Card Mastercard
NatWest - NatWest Business Credit Card Mastercard
NatWest - NatWest Business Plus Credit Card Mastercard
Royal Bank of Scotland - Royal Bank of Scotland Business Credit Card Mastercard
Royal Bank of Scotland - Royal Bank of Scotland Business Plus Credit Card Mastercard
Santander - Santander Business Cashback Credit Card Mastercard

Four star business credit cards

American Express - Amazon Business American Express Card
American Express - Amazon Business Prime American Express Card
American Express - British Airways American Express Accelerating Business Card
HSBC - HSBC Commercial Credit Card Visa

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

pile of credit cards

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