Compare Business Credit Cards

Credit Cards Expense Cards Fuel Cards

Capital on Tap

Business Credit Card

Capital on Tap

Business Credit Card

Purchases

35.28%

Annual fee

None

Rewards

Uncapped 1% cashback with no annual fee

Rep APR %

35.28%

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Free, uncapped 1% cashback - earn 1 point for every £1 spent

Credit limits up to £250,000

Up to 42 days interest free on card purchases

Representative Example: The standard interest rate on purchases is 35.28% p.a. (variable) so if you borrow £1,200
and the Annual fee is £0 the Representative APR will be 35.28% APR (variable).

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Capital on Tap

Business Credit Card

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Capital on Tap
Capital on Tap

Free, uncapped 1% cashback - earn 1 point for every £1 spent

Credit limits up to £250,000

Up to 42 days interest free on card purchases

Eligibility

You can apply if:

• You are an active director or majority shareholder of 25%+ ownership
• You and your business are UK based
• Your business is a Ltd company or LLP
• Your business has a turnover of at least £24,000
• You have no unsatisfied CCJs against you or the business in the last 12 months

What you'll need to hand:

• Basic information about your business, including monthly turnover
• ID (passport or driving licence)

Interest rate - 35.28% APR (variable)

Key features & benefits

• Apply and get a decision in minutes
• Credit limits up to £250,000
• Uncapped free 1% cashback on card purchases
• Redeem points to cashback or e-gift cards
• 0% interest on card purchases if repaid in full each month
• No monthly or annual fees
• Unlimited company cards
• No FX or UK ATM charges

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Cashback offer

Capital on Tap

Business Credit Card - Pro

Capital on Tap

Business Credit Card - Pro

Purchases

35.28%

Annual fee

£299

Rewards

Uncapped 1% cashback on all card spend

Rep APR %

111.39%

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More info

10,000 bonus points when you spend £5,000 in your first 3 months* T&Cs Apply

Convert rewards points to Avios*

Unlimited access to 1,600+ airport lounges for the main card holder*

Representative Example: The standard interest rate on purchases is 35.28% p.a. (variable) so if you borrow £1,200
and the Annual fee is £299 the Representative APR will be 111.39% APR (variable).

×

Capital on Tap

Business Credit Card - Pro

Go to site
Go to site
Capital On Tap
Capital On Tap

10,000 bonus points when you spend £5,000 in your first 3 months* T&Cs Apply

Convert rewards points to Avios*

Unlimited access to 1,600+ airport lounges for the main card holder*

Eligibility

You can apply if:

• You are an active director or majority shareholder of 25%+ ownership
• You and your business are UK based
• Your business is a Ltd company or LLP
• Your business has a turnover of at least £24,000
• You have no unsatisfied CCJs against you or the business in the last 12 months

What you'll need to hand:

• Basic information about your business, including monthly turnover
• ID (passport or driving licence)

Interest rate - 111.39% APR (variable)

Key features & benefits

• 10,000 bonus points when you spend £5,000 in your first 3 months
• Convert rewards points to Avios
• Unlimited access to 1,600+ airport lounges for the main card holder
• Two free guest lounge passes per year and guest discounts
• Radisson Rewards VIP status
• Premium metal card
• Dedicated 24/7 customer support
• *T&Cs apply

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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 Business Credit Card can be a confusing and time-consuming process. We're here to make it simpler.

We help you compare the best rewards credit cards for businesses from leading providers, including specialised options like business fuel cards and business expense cards, all in one place. We aim to make it easier for you to find a suitable Business Credit Card that offers valuable rewards and benefits for business owners.

Easily compare and apply for corporate cards that meet your needs, or switch credit card providers with confidence. Whether you’re seeking the best credit card for business owners or want to maximise rewards with a top rewards credit card, we’re here to support you at every step.

Finding The Best Business Credit Cards for Bad Credit Businesses

You can still apply for a Business Credit Card even with poor credit. However, your options may be limited, as some lenders may not offer you a credit card under certain conditions.

This is why it’s essential to compare Business Credit Cards thoroughly before deciding which is best for you and submitting your application.

Compare Business Credit Cards

SME Credit Cards

As a small business, having a Business Credit Card can be incredibly useful, enabling you and your employees to make essential purchases easily.

Whether switching from an existing credit card to benefit from better rewards and perks or applying for a company credit card for the first time, our comparison service helps you find the best card for your needs.

As an SME, there are several reasons why a credit card can benefit you:

• Managing cash flow more effectively

• Covering small, day-to-day expenses

• Quick access to essential funds

• Streamlining your accounting processes

Be sure to explore multiple options and compare Business Credit Cards before deciding which one to apply for.

Credit Cards for Startups

If you’re a startup, you may need access to credit, and like other businesses, a Business Credit Card can help you achieve that.

We recommend reviewing our Business Credit Cards FAQs and the details on each product we’ve listed to help you find the best card for your needs.

Key points to consider include:

• What do you plan on using the card for?

• Which perks, such as rewards or cashback, might be useful?

• Do you need a card that offers cashback rewards?

• What kind of credit limit will best support your business?

There isn’t one single “perfect” credit card for a start-up, so consider all available options carefully before applying.

Compare Credit Card Features

What Rewards Do Business Credit Cards Offer?

Many Business Credit Card providers offer a range of perks and rewards to encourage companies to choose their services over others. Choosing the best rewards credit card can provide your business with a host of valuable benefits that go beyond simple credit access.

Business Credit Cards with rewards often include perks such as:

• Cashback on eligible purchases, allowing you to save a percentage of your spending

• Shopping discounts at partner retailers, helping you and your employees save on essential items

• Insurance coverage options, including travel or purchase protection, for added peace of mind

• Reward points that can be redeemed for travel, gift cards or other items to benefit your business

• 0% interest on purchases for an introductory period, which can help you manage larger expenses with no added interest

• Fee-free transactions on foreign purchases; ideal for businesses that frequently operate internationally

Rewards vary significantly by provider, so comparing corporate credit cards carefully is essential to find the best perks for your business needs. By choosing the right rewards credit card, you can turn everyday business expenses into added value for your company.

Compare Rewards Credit Cards

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Compare Business Credit Cards

We can help you find the best Business Credit Card. Whether you need a card for an SME or a startup, we help you compare credit cards from various lenders to find the perfect one for your business.

Compare Now

What Payment Card Types Are Available?

Typically, there are 3 types of business payment cards:

Business Credit Cards

Any company can use a Business Credit Card to help with day-to-day expenses and cash flow management.

There are many reasons a business may choose to use a credit card, one of which is that many perks are available, such as a percentage of cashback on all spending.

Find out more

Expense Cards

An expense card is a card a business can take out and give to their employees to make necessary purchases as part of their roles.

As expense cards are prepaid, they do not require a credit check to take out. So they can be great for business with no or poor credit.

Find out more

Fuel Cards

Fuel cards are a specific type of card that a business can use to cover fuel expenses.

These are typically used by businesses in the transport sector or by companies that have a large number of employees who cover a lot of road miles as part of their roles.

Find out more

Compare Business Credit Cards

How to Compare Business Credit Cards

Comparing Business Credit Cards can be a challenging and time-consuming task. Fortunately, we’re here to make this process much more manageable.

In the table above, we’ve outlined everything you need to know about each Business Credit Card provider. Our comparison service allows you to see all the relevant information side-by-side easily. Once you’ve identified the ideal company credit card, click through to the provider’s site to apply directly to set up an account at your convenience.

The Pros and Cons of Business Credit Cards

Like any form of business finance, Business Credit Cards have advantages and disadvantages. 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 poor credit history

• Interest rates may be higher than other forms of business credit

How Do I Choose The Right Business Credit Card?

It can be challenging to find the right credit card for your 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 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 using a Business Credit Card comparison tool like ours. That way, you can see multiple cards in one place and determine which is best for you.

Compare and Apply

Business Credit Card FAQs

How do Business Credit Cards work?

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 use to make purchases for your business. You will receive a monthly statement and must make monthly repayments to reduce or clear your credit balance.

What are the best Credit Card rates?

Much like consumer credit cards, Business Credit Card rates can fluctuate. To find the best credit card rate for your business, we recommend comparing what's available today to ensure you secure the best card for your needs.

Are Small Business Credit Cards available?

Yes, we specialise in helping small businesses compare products and services from various providers. Our comparison tools are ideal for companies of all sizes and can help you find the best small Business Credit Cards available.

Can I get a Business Credit Card for a limited company?

Yes, limited companies can apply for Business Credit Cards from most providers. Compare corporate credit cards from our providers above to find the right one for your company.

Can I get a Business Credit Card for a startup?

Yes, many providers offer dedicated products for startups. This is especially helpful, as it can be challenging for new businesses to build a credit rating. When seeking new rewards credit cards, comparing the features and rewards before applying is crucial.

Can I get a Business Credit Card with bad credit?

You can still take out a Business Credit Card with a poor credit rating. However, you may find that fewer providers will allow you to open an account, so it is worth checking their terms and conditions first.

Can I get a Business Credit Card as a sole trader?

Many credit card providers will allow sole traders to apply for a Business Credit Card. We always recommend checking their terms and conditions before applying to ensure eligibility.

How do you get a Business Credit Card?

The process is straightforward. We compare Business Credit Cards for you, so you only need to pick the best card for your business. Once you've chosen the card you wish 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.

What alternatives are there to Business Credit Cards?

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.

Is there a Credit Card best for purchases?

While the primary purpose of a Business Credit Card is to make purchases, those offering a rewards scheme are often seen as the best credit cards for purchases. Remembering repayment terms and rates is more critical than a credit card reward scheme, but a rewards programme may enhance the value in a like-for-like comparison.

What's the best Travel Reward Credit Card?

Business Credit Card offers, including rewards schemes, may only be available for a limited time. We recommend comparing the current offerings to find the cards with the best features, including some of the best travel reward credit cards.

Is a Corporate Credit Card different to a Business Credit Card?

A Business Credit Card and a corporate credit card are similar. The main distinction is that a corporate credit card is typically intended for employees working within a corporation. At the same time, a card is suitable for various business types, including small and medium enterprises (SMEs).

How do I apply for a Business Credit Card?

Before applying for a Business Credit Card, comparing various offers is essential. You can do that right here at BusinessComparison. Simply compare, click to apply, and provide the requested information to complete your application.

Apply for a Business Credit Card