What are the best business credit cards in 2021?

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.

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.

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

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

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

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

Provider	Key features	Find out more
	Rated five stars by the Moneyfacts Star Ratings system Minimum credit limit of £500, maximum credit limit subject to status Interest-free credit period of 56 days	Find out more

• Barclaycard Business -Barclaycard Business Premium Plus Credit Card Mastercard
• Barclaycard Business - Barclaycard Business Select Credit Card Mastercard
• Barclaycard Business - Toolstation Trade 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

• American Express - British Airways American Express Accelerating
  Business Card
• Barclaycard Business - Barclaycard Business Flex Credit Card Mastercard
• Barclaycard Business - Travis Perkins Trade Credit Card Mastercard
• HSBC - HSBC Commercial Credit Card Visa