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Business credit cards

Compare credit cards for your business

Manage spending, control cash flow and earn rewards with a business credit card

  • See options from trusted UK providers

  • Compare fees, rates and rewards at a glance

  • Apply for the card that suits you best

Compare business credit cards

Capital on Tap Business Credit Card logo
View deal
sponsored
Capital on Tap Business Credit Card
Uncapped 1% cashback on all card spend. Convert points to Avios or Virgin Points

Our best business credit cards – August 2026

4 results found, sorted by Affiliated products first. Commission earned affects the table's sort order.
Uncapped 1% cashback on all card spend. Convert points to Avios or Virgin Points

Capital on Tap Business Credit Card

In partnership with money.co.uk
Purchases
34.65%p.a. variable
Annual fee
£0
Representative APR (variable)
34.65%APR
View deal
Representative example:
Representative rate is 34.65% 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 24/7 customer support.
Additional information
Available to limited companies and LLPs or PLCs. You and your business must have no unsatisfied CCJs in the last 12 months. T&Cs apply.
1.25% cashback on all preloaded card spend. Convert points to Avios or Virgin Points.

Capital on Tap Business Pro Card

In partnership with money.co.uk
Purchases
34.65%p.a. variable
Annual fee
£299
Representative APR (variable)
110.33%APR
View deal
Representative example:
Representative rate is 110.33% APR (variable).
More Information
Additional information
Uncapped 1% cashback on all card spending with 1.25% cashback on all preloaded card spend. Get unlimited airport lounge access and Radisson Rewards VIP status. Limits up to £250,000, free company cards with spend controls and 24/7 customer support.
Additional information
Available to limited companies and LLPs or PLCs. You and your business must have no unsatisfied CCJs in the last 12 months. T&Cs apply.
Earn 2% cashback up to £2000 for 6 months, unlimited 1% thereafter. T&Cs apply.

Funding Circle Business Cashback Credit Card

Purchases
34.9%p.a. variable
Annual fee
£0
Representative APR (variable)
34.9%APR
View deal
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.
Spend management platform - Xero, Sage & QuickBooks sync, no per-user fees. Up to 0.5% cashback.

Moss Business Credit Card

Purchases
N /A
Annual fee
£2,400
Representative APR (variable)
N /A
View deal
Representative example:
Interest rates are not applicable to Charge cards
More Information
Additional information
0% interest. Mastercard® World Elite Business Credit Card. Repay full balance in up to 30 days - no option to carry a balance. Credit subject to KYC and eligibility assessment. T&Cs apply.

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.

AuthorMolly Hudson
Fact checkerAndy Elder
Last updatedAugust 17th, 2026

What is a business credit card?

A business credit card works much like a personal credit card. You can spend up to a pre-arranged limit and repay what you use. That said, they come with some key differences such as potentially higher borrowing limits.

Designed with businesses in mind, they can help you cover day-to-day expenses, stabilise cash flow and earn valuable perks that support your growth. It also helps separate business and personal finances, making bookkeeping and taxes easier to manage.

Many business cards also come with features such as:

  • expense management

  • employee cards

  • bank account integration

  • tailored rewards like air miles

Plus, making repayments on time can help build your business credit score.

You don’t need to run a large company to apply for a business credit card. Freelancers, sole traders and small business owners can all qualify.

To be eligible, lenders consider factors like revenue and borrowing history. If your business is new, they may also consider your personal credit score.

Why get a business credit card?

Keep finances separate

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

Manage cash flow

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.

Build business credit history

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.

Earn rewards and perks

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

Control employee spending

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 you remain in control of spending.

Improve financial visibility

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

What types of business credit cards are there?

There are different types of business credit cards that can be helpful depending on what you're looking to do with it. Here are a few common examples to help you find the right fit.

  • Balance transfer cards: 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 a 0% interest period. This can help you pay off the debt quicker if you can clear the balance before the interest-free period ends

  • Low APR or 0% interest cards: You can find business credit cards that have a low (or no) interest rate for a set period of time. This is great for businesses that might need to pay for large purchases over time.

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

How to choose the best business credit card

Finding the right credit card for your business doesn't have to be complicated. Follow these simple steps to help you decide:

Check what you spend

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 may 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.

Check your eligibility

When you’ve picked a shortlist of providers, you can see if your company is eligible for a business credit card before you apply. This involves a ‘soft' credit check, so it will not appear on your credit file.

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.”

Molly Hudson profile
Molly Hudson-
Business finance expert

Who's eligible for a business credit card?

Eligibility requirements for a business credit card account varies between providers, with criteria including:

  • Age: Must be over 18 years old

  • Business type: Either a UK-registered sole trader, partner, director or company director with authority to borrow on behalf of the company

  • Bank account: Most providers require customers to have a business current account before opening a credit card account (this does not necessarily need to be with the same provider, although it may be simpler to do so)

  • Purpose: You need to make purchases for the company you work for, like covering utility bills, office supplies or advertising costs

There may also be additional needs for your business to open a credit card with the provider, such as:

  • Turnover: Some providers will require your company to meet a minimum or maximum turnover amount

  • Cashflow: You could be asked to present proof that your business has a steady cash flow

More specific requirements depend on the provider and deal it's offering. So, there may be further considerations that could impact the amount of borrowing your business can apply for. For example, this could be the number of employees your company has or the length of time you've been trading.

How to 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 any negative marks as they 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 on the market. Instead, do your research and see which card would be best suited to your business. Every card has different fees, interest rates and rewards so it's worth looking around.

  • 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 usually works as a soft check, so it won't impact your credit file.

  • Apply online: The application for most business credit cards is online. This is a formal agreement that can include a hard credit check, so make sure you fully understand what you're signing up for by reading the terms and conditions carefully before you apply.

What do I need to apply for a business credit card?

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

  • Business expenses

  • Years in operation

  • Annual revenue

  • Industry type

  • Your personal income details

5 questions to ask before deciding

Do I need additional cards?

If you plan to give cards to employees, check the provider's policy on supplementary cards first. Confirm if there are fees for adding extra cards and if you can set individual spending limits to manage your team's expenses. It's also wise to check if there's a limit to how many cards you can have.

What credit limit do I need?

A good starting point is to look at your business's single biggest month of expenses from the last year. Choose a credit limit that comfortably covers that amount, giving you a small buffer for unexpected costs. The goal is to have enough credit to manage your cash flow without the temptation to overspend. Even if you're offered a higher limit, it’s often smarter to stick with one that matches what you can comfortably pay off each month.

How much can I afford to borrow?

Business credit cards are designed for short-term spending, not long-term debt, as the interest rates can be high. A good rule is to only charge what you know your business can afford to pay off in full each month. It's essential to make at least the minimum monthly payment. If you don't, you'll face late payment fees and risk hurting your business's credit score.

Will I pay an annual fee?

Many business credit cards charge an annual fee, so it's important to weigh the cost against the benefits. A high-value rewards program or travel insurance could easily be worth the price, but there are also great no-fee options available. Always compare cards to find the best fit for your budget.

What protections come with the card?

Business credit cards come with their own set of protections, which are different from the Section 75 cover you might be used to on personal cards. Providers often build in safeguards designed specifically for businesses, such as insurance against employee misuse and enhanced fraud protection. Many cards also include online payment guarantees for your purchases and even business travel insurance. The level of protection is a key feature of any card, so it's always important to read the terms and conditions to see exactly what you're covered for before you apply.

What are the benefits and drawbacks of a business credit card account?

Pros

Keeps business and personal expenses apart
Rewards and cashback
Financial safety net
Boost business credit rating
Higher credit limits

Cons

Negative credit file impact if repayments are missed
Charges and annual fees
Overspending risk
High interest on accounts

FAQs

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.

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.

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.

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 you're new to business (so don't have much credit history), or if a personal guarantee is linked to your business card, then they may 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 or you're a sole trader, this could impact your own credit score.

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. And as with any form of credit you shouldn't take on more than you can afford to repay.

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.

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

Didn't find what you were looking for?

Here’s a selection of other products that could help your business grow:

Business bank accountsBusiness loansCard payment solutionsBusiness savings accountsBusiness insuranceBusiness broadbandBusiness energy

About the author

Molly Hudson profileMolly 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

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Good experience
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Good experience, saved a little money, most interesting i got a better deal with existing supplier than if I had renewed with them, shame on you EDF again another example of companies not looking after loyal customers.
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made it very easy. My company could not match the price.
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