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Compare business credit cards

Find a credit card for your business needs

Manage cash flow and even earn rewards on your spending

  • Browse options from leading credit card providers 

  • Check your business eligibility

  • Unlock low rates and rewards suited to your business needs

Find me a card

  • Browse options from leading credit card providers 

  • Check your business eligibility

  • Unlock low rates and rewards suited to your business needs

Find me a card
Instant decision credit cards hero image
Capital on Tap Business Credit Card logo
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Capital on Tap Business Credit Card
Uncapped 1% cashback on all card spend. Free company cards and no fees.
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 Our best UK business credit cards for you

7 results found, sorted by affiliated products first. Commission earned affects the table's sort order.
0% Interest, Earn up to 2% cashback, T&Cs apply

Moss Business Card

Purchases
N /A
Annual fee
£0
Representative APR (variable)
N /A
Representative example:
Interest rates are not applicable to Charge cards
More Information
Additional information
With payment terms of up to 30 days. Real Mastercard® cards with maximum acceptance. Plus digital 1:1 mapping between cards, users and merchants, so you control the whole payment process.
Additional information
Credit provided after KYC process, charge cards are not subject to interest rates.
Uncapped 1% cashback on all card spend. Free company cards and no fees.

Capital on Tap Business Credit Card

Purchases
35.6%p.a. variable
Annual fee
£0
Representative APR (variable)
35.6%APR
Representative example:
Representative rate is 35.6% APR (variable).
More Information
Additional information
Get free uncapped 1% cashback on all card spending. Limits up to £250,000, free company cards with spend controls and no annual FX or ATM fees.
Additional information
No monthly or annual fees, free UK ATM withdrawals and 0% commission on FX. Available to limited companies and LLPs. T&Cs apply.
Uncapped 1% cashback or Avios on all card spend - plus unlimited airport lounges

Capital on Tap Business Pro Card

Purchases
35.6%p.a. variable
Annual fee
£299
Representative APR (variable)
111.92%APR
Representative example:
Representative rate is 111.92% APR (variable).
More Information
Additional information
Get uncapped 1% cashback or convert rewards points to Avios on all card spending. Unlimited airport lounge access and silver metal card included. Limits up to £250,000, and free company cards with spend controls.
Additional information
No ATM or FX fees. Available to limited companies and LLPs. £299 annual fee. T&Cs apply.
Earn 2% cashback up to £2000 for 6 months, unlimited 1% thereafter. T&Cs apply.

Funding Circle Business Cashback Card

Purchases
34.9%p.a. variable
Annual fee
£0
Representative APR (variable)
34.9%APR
Representative example:
The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)
More Information
Additional information
Get 2% cashback on all card spend with Cashback Card for the first 6 months or to a limit of £100,000 spend (total cashback capped at £2,000) and then 1% thereafter. T&Cs apply.
0.5% cashback, up to £400 a year*

Barclaycard Premium Plus Credit Card

Purchases
19.3%p.a. variable
Annual fee
£150
Representative APR (variable)
55.5%APR
Representative example:
When you spend £1,200 at a purchase rate of 19.3% (variable) p.a. with a fee of £150 per annum, your representative rate is 55.5% APR (variable).
More Information
Additional information
The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.
Additional information
*Standard Cashback T&Cs apply. The maximum amount of cashback you can earn in any cashback year is £400. 0% for 6 months, reverting to 19.3% p.a. variable.
Get 1% cashback when you spend at least £2,000 per statement month. T&Cs apply*

Barclaycard Select Cashback Business Credit Card

Purchases
26.5%p.a. variable
Annual fee
£0
Representative APR (variable)
26.5%APR
Representative example:
The standard interest rate on purchases is 26.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 26.5% APR (variable).
More Information
Additional information
*Standard Cashback T&Cs apply. 1% cashback on all eligible business spend of £2,000 or more per statement month.
Additional information
Your credit limit and available balance may impact your ability to earn cashback. The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.
0% interest, no annual fees, spread payments over 1, 3, 6, 9 or 12 months

Funding Circle FlexiPay Business Credit Card

Purchases
N /A
Annual fee
£0
Representative APR (variable)
33.4%APR
Representative example:
If you spend £1,200 with a fee of 4.9%, your representative rate is 33.4% APR.
More Information
Additional information
*Always 0% interest, no annual or set up fees. One flat fee per transaction from 3.9%.

Uswitch Limited is a credit broker, not a lender, for consumer credit.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Author
Molly Hudson
Fact checker
Andy Elder
Last updated
April 22nd, 2025
Financial products that can help my plumbing business

What is a business credit card?

A business credit card can be a helpful tool in managing your cash flow, simplifying accounting and making it easier to buy what you need, when you need it. Plus, they help to separate business and personal finances, so you can easily manage taxes and accounting.

There are several types of cards available — from purchase and balance transfer cards to rewards cards — so it's a good idea to look around to find the right card for your business.

How do they work?

Just like with personal credit cards, a business credit card will have a pre-arranged limit available to spend, but it can be higher than a normal credit card.

To apply for a business credit card, you don’t necessarily need to own a large company. Freelancers, sole traders, and small business owners can all qualify. To be eligible, lenders consider factors like business revenue and credit history. Responsible use of a business credit card, such as making timely payments, helps to build a strong business credit score.

Always be mindful of the fact that if you don't pay off the balance in full each month, interest charges may apply.

What types of business credit cards can I get?

Like personal credit cards, there are different types of business credit cards that can be helpful depending on what you're looking to do with it.

  • Balance transfer business credit card: If you're paying monthly interest on an existing business credit card then it might be worth considering a balance transfer. This type of card allows you to transfer a balance from an old card, for a fee, to a new card with 0% interest period. This can help you pay off the debt quicker.

  • Rewards and cashback business credit card: A type of business credit card that provides perks on purchases, sometimes for a fee. The perks can range from air miles to cashback.

  • Travel business credit card : This credit card normally has no foreign transaction fees for purchases made abroad and there can be travel points or special discounts on spending.

  • Low APR or 0% interest business credit cards: You can find business credit cards that have a low interest rate for a set period of time. This is great for businesses that might need to pay for large purchases over time.

Why should I get a business credit card?

Keeps finances separate

Whatever the size of your business, it’s important that your expenses are always organised. A business credit card means that personal and business funds are separated, which is important for taxes and audits.

Cash flow management

Some business credit cards offer up to 56 days’ interest-free credit which helps to spread business expenses and improve cash flow. Paying off the balance within a month keeps the company’s bank balance available for emergencies.

Boosts a business credit score

You'll want to make sure your business maintains a strong business credit profile, and a credit card can help if you use it responsibly. If you have a good business credit score you'll improve your chances of getting a loan or other credit in the future.

Employee spending controls

With some providers, you can get multiple business credit cards which can then be used by your employees for expenses. Remember to set spending limits so that you remain in control of spending.

Travel rewards and perks

Business credit cards offer more than credit, they also come with rewards when you spend. For example, you could earn airmiles or vouchers which can then shared with the team as an incentive. For businesses with high expenses, this can soon add up.

Improves financial visibility

Some business credit cards come with tools for tracking and categorising expenses, which can save time and improve financial visibility. This is great if you have big expenses and many employees to manage.

How to choose a business credit card

It's important to find the right credit card for your business needs - here are some steps that'll get you on the right track.

Check your spending
First of all, try and get a clear picture of your business expenses and spending habits. For example, would you be able to pay a credit card balance off in full each month? If not, then you might need a card with a low APR.
Decide on your priority
Credit cards can offer different perks, so it's important to focus on your main priority for getting a business credit card. Are you keen to earn some rewards on your business spending? Or maybe you want to simplify expenses?
Compare features
Once you know your priority, you can start to compare business credit cards with the features that matter most for you. And remember, always check for fees, customer service ratings and any credit requirements.

Our expert says

“If you're eligible, you can use multiple credit cards for different business needs. For example, you could have one for big purchases with 0% APR and then one that's used for expenses to maximise rewards.”
Author image
Molly Hudson-
Business finance expert

How do I apply for a business credit card in the UK?

  • Understand your credit score: Before applying for a business credit card, it's important to review your business credit rating. Check your credit reports for any errors and make sure you don't have an negative marks as this can prevent your application from being successful.

  • Check the market: Try not to pick the first business credit card you find, as there could be better deals in the market. Instead, do your research and see which card would be best suited to your business. For example, every card has different fees, interest rates and rewards.

  • Try an eligibility checker: Once you've found a card that's right for your business needs, it's always worth checking if you're eligible. This works as a soft check, so it won't harm your credit file.

  • Apply online: Most business credit cards have an online application and when you start this formal process it can include a hard check on your credit file.

What do you need to apply for a business credit card in 2025?

When applying for a business credit card, you'll need to provide both business and personal information. This typically includes your legal business name, address, phone number, business structure, years in operation, industry type, annual revenue, business expenses, and your personal income details.

5 things to consider with business credit cards

There are a few things to consider when looking at business credit cards:

Do you need supplementary business credit cards?

If you want to give additional cards to employees, it’s worth checking if there are any charges for adding supplementary cards or a limit to the number you can have. Also check if you can set your own credit limit on each card.

What credit limit do you need?

Think about how much you can realistically afford to repay and the maximum amount your business is likely to need to spend in a month. Even if you're offered a higher credit limit, don't be tempted to accept it if you’ll struggle to pay it back each month.

How much can you afford to borrow?

Most business credit cards will charge high rates of interest if you don't pay off your balance in full each month. Best used for short-term credit, it’s vital that you make at least the minimum monthly repayment. Failure to do so will result in late payment fees, affecting your business credit rating.

Will you have to pay an annual fee?

Many business credit cards charge an annual or monthly fee, so consider whether the benefits on offer are worth this cost. It's also worth looking around as fees will differ.

Are you hoping for credit card protection for purchases?

Section 75 protections are part of the Consumer Credit Act 1974 and apply to individual consumers only, not to businesses. If you use a personal credit card for a business expense and claim it back through an expenses claim, it might be covered, depending on the circumstances.

What are the alternatives to a business credit card?

Business bank account

A business bank account is designed for managing business finances, so you can keep your personal finances separate. This is important for accounting and tax purposes, plus it helps businesses pay expenses, receive payments and manage cash flow.

Compare business bank accounts

Business loans

Business loans come in both short-term and long-term options, with fixed interest payments. To choose the right loan, it's crucial to determine your business's specific needs and assess various loan products.

Compare business loans

Business savings accounts

A business savings account works in a similar way to a personal savings account, as it earns interest on any money that you don’t need to use right away. This helps to build up cash reserves and means you might not need to borrow any money.

Compare savings accounts

FAQs

Can I get a company credit card as a small business?

The simple answer is yes! You can get a business credit card if you are a small business or startup. However, similar to personal credit cards you'll need to check your eligibility, as it depends on your financial situation and whether you'll be able to repay the credit.

What is the difference between business charge cards and business credit cards?

The difference between a business credit card and a business charge card is simple. It's all about how the payments and balances are managed.

For example, a business credit card allows you to carry a balance from month to month, so you can pay it off over time. However, a business charge card works differently as you normally have to pay off the balance each month and you can't carry over the balance.

How long does it take to get a business credit card?

In terms of how long it takes to get a business credit card, this can vary depending on your application details and the provider. So, it's a good idea to check whether your chosen business credit card has instant approval or whether you'll need to wait a few weeks, before starting the application process.

What is APR?

APR is the annual percentage rate of borrowing money on a credit card. For business credit cards, APR applies when you carry a balance from month to month. If you pay off the balance in full by the due date, you won't be charged any interest.

Does a business credit card affect your personal credit score?

First of all, your business and personal credit files are separate, but that doesn't mean that your personal score can't be affected.

When applying for a business credit card, lenders will check your business credit score. However, if a personal guarantee is linked to your business card then they will check your personal credit score too.

So, if your business is struggling to pay back the money on a business credit card and you have a personal guarantee, this could impact your own credit score.

How many business credit cards can you have?

You can have as many business credit cards as you wish, but if you're applying for a lot in a short space of time this can cause concern for lenders.

Can I take out cash using a business credit card?

Yes, some business credit cards allow you to withdraw money from an ATM like personal credit cards. However, there could be additional fees to do this, so always check the terms and conditions for withdrawals.

Business credit card guides

Find out more about how business credit cards work with our in-depth guides.
How to choose a business credit card
How to choose a business credit card
Should you get a business credit card or a business loan?
Should you get a business credit card or a business loan?
How to apply for your first business credit card
How to apply for your first business credit card
Find more guides here

About the author

Author imageMolly Hudson
Molly Hudson
Molly currently works in the product team, after climbing the ranks of our graduate scheme. Her expertise is underpinned by a passion for helping small business owners to understand what financial products are available to them.

Customer Reviews

Rated 4.7 out of 5
by 29,687 people
Very quick and super easy.
Trust Pilot stars
Very quick and super easy.
Spongemonkeybobo
Received email regarding special offer
Trust Pilot stars
Received email regarding special offer, my current fixed provision runs out in June, however the new rates were going to be well in excess of British Gas special rate so I decided to go for it. The process seems so easy.
Tony Nicholson
Very easy to use
Trust Pilot stars
Very easy to use
Tony Steer