- Earn points on all card spend - redeem for uncapped 1% cashback, Avios or gift cards
- Credit limits up to £250,000 and rates as low as 9.9% APR
- Unlimited free company cards for employees
Compare the Best Business Credit Cards
Promotion
Credit Cards
Expense Cards (Coming soon)
Fuel Cards (Coming soon)
Capital on Tap
Business Credit Card - Business Rewards
Capital on Tap Business Credit Card - Business Rewards
Purchases
Variable
Annual fee
£99
Rewards
Uncapped free 1% cashback on all card purchases. Redeem as Avios, cashback or e-gift cards
Rep APR %
29.9%
Earn points on all card spend - redeem for 1% cashback, Avios or e-gift cards
Credit limits up to £250,000
Up to 56 days interest free on card purchases
Capital on Tap
Business Credit Card
Capital on Tap Business Credit Card
Purchases
Variable
Annual fee
None
Rewards
Uncapped free 1% cashback on all card purchases. Redeem as cashback or e-gift cards
Rep APR %
29.9%
Free, uncapped 1% cashback - earn 1 point for every £1 spent
Credit limits up to £250,000
Up to 56 days interest free on card purchases
NatWest
Business credit card
NatWest Business credit card
Purchases
16.9%
Annual fee
£30 (Free On 1st Year)
Rewards
None
Rep APR %
24.3%
Only available to existing business customers
Minimum credit limit of £500, maximum credit subject to status in eligibility section
Annual fee Year 1 - £0, Year 2 onwards - £30 per annum
Royal Bank Of Scotland
Business credit card
Royal Bank Of Scotland Business credit card
Purchases
16.9%
Annual fee
£30 (Free On 1st Year)
Rewards
None
Rep APR %
24.3%
Only available to existing business customers
Minimum credit limit of £500, maximum credit subject to status in eligibility section
Annual fee Year 1 - £0, Year 2 onwards - £30 per annum
Barclaycard
Premium Plus Business Credit Card
Barclaycard Premium Plus Business Credit Card
Purchases
14.9%
Annual fee
£150
Rewards
6-month interest-free on purchases period
Rep APR %
49.4%
Save 2% on foreign exchange fees
6-month interest-free on purchases period
Barclaycard
Payments Select Cashback Business Credit Card
Barclaycard Payments Select Cashback Business Credit Card
Purchases
21.9%
Annual fee
None
Rewards
3% cashback uncapped on all business spend*
Rep APR %
21.9%
3% cashback Uncapped on all your business spend for 3 months*
No annual fees on your account or for using your card
Purchase protection and cardholder misuse insurance**
The American Express®
Business Platinum Card
The American Express® Business Platinum Card
Purchases
Not applicable
Annual fee
£650
Rewards
Offer earn 40,000 welcome bonus points. 1 point for every eligible £1 spent
Rep APR %
Not applicable
OFFER Welcome Bonus: Earn 40,000 Minimum Spend: £8,000 in the first 3 months
£200 Annual Travel Credit when you spend at American Express Travel Online
Each month spend £10,000 and receive an extra 10,000 bonus points
The American Express®
Business Gold Card
The American Express® Business Gold Card
Purchases
Not applicable
Annual fee
£175 (£0 in first year)
Rewards
20,000 welcome bonus points. 1 point for every eligible £1 spent
Rep APR %
Not applicable
Earn 20,000 bonus Membership Rewards® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply
Earn 1 point for every eligible £1 spent on your Card. You can redeem your points on a variety of things such as flights for your business travel, computers for the office, or corporate entertaining and gifting
Earn 10,000 extra Membership Rewards points when you spend £20,000 per quarter.
Our comparison service features a selection of providers from whom we receive commission. This table is ordered according to our commercial arrangements.
We compare the leading company credit card providers
How We Can Help You Find The Perfect Company Credit Card
Finding the right credit card for your business can be a confusing and time-consuming process. We're here to help make it easier.
We help you compare credit cards from leading providers, as well as specific products like business fuel cards and business expense cards, all in one place.
We can help you compare and apply for new business credit cards and switch credit card providers with ease.
Finding The Best Business Credit Cards for Bad Credit Businesses
Even if you have poor credit you can still take out a business credit card. However, it's worth remembering that you may find fewer credit cards available to you, as some lenders may not be willing to provide you with a credit card.
This is why it's important to compare business credit cards in detail before deciding which card to go for and applying.
SME Credit Cards
As a small business it's likely that a credit card is going to be useful for you, allowing you and your employees to make necessary purchases.
Whether you're switching from an existing card to make use of better offers and perks, or you're taking out a credit card for the first time, our comparison service helps you to identify the right card for your business.
As an SME there are many reasons you may choose to use a credit card;
- To manage your cashflow
- For small day-to-day expenses
- Speedy access to funds
- To speed up your accounting processes
Be sure to consider multiple cards before deciding which one to apply for.
Credit Cards for Startups
If you're a start-up you may be in need of credit, and like other businesses you could take out a credit card to help you do that.
We recommend taking a look through our Business Credit Cards FAQs and the information about each product we've listed in working out which card is best for your business.
Things to think about include;
- What do you plan on using the card for?
- What perks might be useful?
- Do you want a card that offers cashback?
- What kind of credit limit do you need?
There is no one perfect credit card for a startup, so make sure you consider every option carefully before applying.
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Compare Business Credit Cards
We can help you find the best business credit card. Whether you need a business credit card for an SME or a startup, we help you compare credit cards from a range of lenders so you can find the perfect credit card for your business.
How to Compare Business Credit Cards
Comparing business credit cards can be a tough and laborious process. Thankfully, we can make this process much easier for you.
In the table above, you'll find that we've outlined all that you need to know about each credit card provider. This includes details such as the APR, any fees and any perks available like cashback, alongside any particular terms and conditions we feel you should consider.
Our comparison service allows you to easily see all the relevant information. Once you've found the card you want, simply click to go through to their provider's site to get in touch with the provider directly and get your account set up in your own time.
The Pros and Cons of Business Credit Cards
Like any form of business finance, there are advantages and disadvantages to using business credit cards. We've outlined a few of these below:
Pros
- Easily manage your cash flow
- Make use of additional perks such as cashback
- Easily manage day-to-day transactions
- Separate your work and personal expenses
- Quick and easy access to credit
Cons
- Missing repayments can adversely impact your credit rating
- You may struggle to be accepted with bad credit history
- Interest rates may be higher than other forms of business credit
What Perks Do Business Credit Cards Offer?
Many company credit card providers offer perks to encourage businesses to use their services over others. Business credit cards with rewards include perks such as the following;
- Cashback
- Shopping Discounts
- Insurance
- Reward Points
- 0% Purchases
- Fee Free Transactions
Rewards vary by provider, so it's key that you pay close attention when comparing business credit cards.
How Do I Choose The Right Business Credit Card
It can be tough to find the right credit card for you business, but there are a few steps we recommend following;
1. Do Your Research!
Make sure you understand how business credit cards work so you can decide on what you are looking for.
2. Find Your Credit Rating.
The cards you are eligible for will depend on your credit rating, so it’s wise to understand where you stand before starting to search.
3. What Are you Going To Use The Card For?
Think about what you will need to do with the card as some cards are better for specific purposes, for example fuel cards or expense cards may be more suitable.
4. What Perks Are You Interested In?
Some cards offer things like interest-free purchases or cashback. Depending on your objectives one may be better than the other.
5. Compare!
We always recommend you use a business credit card comparison tool like ourselves. That way you can see multiple cards in one place and determine which is best for you.
Business Credit Card FAQs
Business Credit Cards are very similar to consumer credit cards. Your provider will issue you with a credit limit on your card which you can then use to make purchases for your business. You will then be issued with a statement and will need to make monthly repayments to reduce or clear your credit balance.
Much like consumer credit cards, business credit card rates can change from time to time. To find the best credit card rate for your business, we recommend comparing what's available today.
Yes, we specialise in helping small businesses compare products and services from a range of providers. Our comparison tools can be used by businesses of all sizes, but they're also well-suited to helping you find the best small business credit cards.
Yes, limited companies are able to take out credit cards from most providers. Compare business credit cards from our providers above.
Yes, many providers have dedicated products aimed at startups. This is particularly helpful, as it can be challenging for a new business to build up a credit rating. As with any business, when looking for new business credit cards, it's important to compare the features and benefits before applying.
Yes, you can still take out a Business Credit Card with a bad credit rating. However, you may find fewer providers will allow you to open an account, so it is worth checking their terms and conditions first.
Yes, many credit card providers will allow sole traders to take out an account with them. We always recommend you check their terms and conditions before applying though.
The process is really simple, we compare business credit cards for you and all you have to do is pick the best card for your business. Once you've picked the business credit card you want to apply for, simply head over to the credit card provider's website using the link we've provided to fill in their application form.
This will depend entirely on what you want to use the card and credit for. Alternatives you may wish to consider include business loans and invoice finance.
While typically the main purpose of a business credit card is to make purchases, credit cards offering a reward scheme are often viewed as being the type of credit card best for purchases. It's important to remember that repayment terms and rates are more important than a credit card reward scheme, but in a like-for-like comparison, a reward scheme may sweeten the deal.
Business credit card offers, including reward schemes, may only be offered for a limited time. To find the business credit cards with the best features, including some of the best travel reward credit cards, we recommend comparing the features and benefits of business credit cards available today.
A business credit card and a corporate credit card are practically identical. The main difference is that a corporate credit card is typically intended for those working within a corporation, whereas a business credit card is suitable for a variety of different business types.
Before you apply for a business credit card, it's important to compare a variety of offers. Thankfully, you can do that right here at BusinessComparison. Simply compare, click to apply then provide the requested information to complete your application.
