Business credit cards
Start your search for a good value business credit card by looking at Fairer Finance's latest product ratings.
Our ratings are designed to help customers make more informed decisions, but they should not be taken as recommendations or advice. Every customer has different needs, and our ratings are simply designed as a short cut to help consumers make sense of the complex world of financial products.
Our product ratings are designed to help you choose a quality product. We rate products on the key features that are most important for the majority of customers.
Find out how we calculate our product ratings
|
Brand
|
Product name
|
Star rating
|
Representative APR
|
Annual fee in first year
|
|---|---|---|---|---|
Co-operative Bank
|
Business Credit Card |
|
21.8% | £24.00 |
HSBC
|
Commercial Credit Card Visa |
|
22% | £0.00 |
Metro Bank
|
Business Credit Card Mastercard |
|
18.9% | £0.00 |
Bank of Ireland (UK)
|
Commercial Credit Card |
|
25.7% | £25.00 |
Barclaycard
|
Select Business Charge Card |
|
N/A | £42.00 |
|
Co-operative Bank
|
Business Charge Card |
|
N/A | £12.00 |
|
Brand
|
Product name
|
Star rating
|
Annual fee in first year
|
Using card in Europe charge
|
Using card worldwide charge
|
|---|---|---|---|---|---|
Capital on Tap
|
Credit Card Visa |
|
£0.00 | 0% | 0% |
Juni
|
Business Credit Card |
|
£0.00 | 0.25% | 0.25% |
|
Barclaycard
|
Select Cashback Business Credit Card Mastercard |
|
£0.00 | 2.99% | 2.99% |
Funding Circle
|
Business Cashback Card |
|
£0.00 | 0% | 0% |
|
Metro Bank
|
Business Credit Card Mastercard |
|
£0.00 | 0% | 2.99% |
NatWest
|
Business Plus Credit Card Mastercard |
|
£70.00 | 0% | 0% |
Royal Bank of Scotland
|
Business Plus Credit Card Mastercard |
|
£70.00 | 0% | 0% |
Santander
|
Business Cashback Credit Card Mastercard |
|
£30.00 | 0% | 0% |
Virgin Money
|
Business Credit Card |
|
£0.00 | 0% | 2.95% |
American Express
|
Amazon Business Amex Card |
|
£0.00 | 2.99% | 2.99% |
|
American Express
|
Amazon Business Prime Amex Card |
|
£50.00 | 2.99% | 2.99% |
|
Bank of Ireland (UK)
|
Commercial Credit Card |
|
£25.00 | 2.75% | 2.75% |
Bank of Scotland
|
Business Charge Card |
|
£0.00 | 2.95% | 2.95% |
|
Bank of Scotland
|
Business Credit Card Mastercard |
|
N/A | 2.95% | 2.95% |
|
Barclaycard
|
Select Business Charge Card |
|
£42.00 | 2.99% | 2.99% |
|
Co-operative Bank
|
Business Charge Card |
|
£12.00 | 2.75% | 2.75% |
|
Co-operative Bank
|
Business Credit Card |
|
£24.00 | 2.75% | 2.75% |
|
HSBC
|
Commercial Credit Card Visa |
|
£0.00 | 2.99% | 2.99% |
Lloyds Bank
|
Business Charge Card |
|
£0.00 | 2.95% | 2.95% |
|
Lloyds Bank
|
Business Credit Card Mastercard |
|
£0.00 | 2.95% | 2.95% |
|
NatWest
|
Business Credit Card Mastercard |
|
£0.00 | 2.95% | 2.95% |
|
Royal Bank of Scotland
|
Business Credit Card Mastercard |
|
£0.00 | 2.95% | 2.95% |
|
American Express
|
Business Gold Card |
|
£0.00 | 2.99% | 2.99% |
|
Barclaycard
|
Premium Plus Credit Card Mastercard |
|
£150.00 | 0.99% | 0.99% |
|
American Express
|
British Airways Amex Accelerating Business Card |
|
£250.00 | 2.99% | 2.99% |
|
American Express
|
Business Platinum Card |
|
£650.00 | 2.99% | 2.99% |
|
Capital on Tap
|
Pro Credit Card |
|
£299.00 | 0% | 0% |
|
Brand
|
Product name
|
Star rating
|
Rewards
|
Annual Purchase Rate
|
Annual fee in first year
|
Annual fee after first year
|
|---|---|---|---|---|---|---|
|
American Express
|
Amazon Business Prime Amex Card |
|
2% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere or 90 day extended payment terms. £100 amazon voucher and no fee for first year introductory offer. No annual fee if users spend £8,000 or more each year. 2% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere or 90 day extend... | 26.4% | £50.00 | £50.00 |
|
American Express
|
Business Platinum Card |
|
2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. Earn 120,000 Reward Points if you spend £12,000 in the first three months of Cardmembership. Unlimited Airport lounge access for the cardholder and guests across more than 500 airports, worldwide travel insurance cover for up to 120 days, purchase protection from theft or damage up to £2,500. 2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. Earn 12... | 29.1% | £650.00 | £650.00 |
|
Barclaycard
|
Select Cashback Business Credit Card Mastercard |
|
1% cashback on all spending; free access to FreshBook accounting software; up to £100 off cost of mobile phone with EE contract on Business Essential, Business Smart or Business Full Works plans. 1% cashback on all spending; free access to FreshBook accounting software; up to £100 off cost of mobile phone with EE c... | 25.5% | £0.00 | £0.00 |
|
Capital on Tap
|
Credit Card Visa |
|
1% cashback or avios/Virgin points. | 34.65% | £0.00 | £0.00 |
|
Capital on Tap
|
Pro Credit Card |
|
1% cashback or Avios points. £100 cashback or 10,000 Avios points if you spend £5,000 in the first three months. A subscription to The Times. Earn 1.25% on all preloaded card spending. Airport lounge access, two free guest passes for lounges and access to Radisson rewards and 6 month Xero membership for free. 1% cashback or Avios points. £100 cashback or 10,000 Avios points if you spend £5,000 in the first three months. A subsc... | 34.65% | £299.00 | £299.00 |
|
Juni
|
Business Credit Card |
|
1% cashback on all card spending (2% for first 30 days) | N/A | £0.00 | £0.00 |
|
Virgin Money
|
Business Credit Card |
|
1% cashback on all card spending | 21.9% | £0.00 | £28.00 |
|
American Express
|
Amazon Business Amex Card |
|
1.5% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere. Or 60 day extended payment terms 1.5% Amazon Rewards when spending at Amazon up to £120,000 per year, 1% after £120,000 and 0.5% elsewhere. Or 60 day ext... | 26.4% | £0.00 | £50.00 |
|
Bank of Scotland
|
Business Credit Card Mastercard |
|
1% cashback on fuel and electric vehicle charging and 0.5% on other purchases. Minimum spend of £2000 a month | 14.9% | N/A | £32.00 |
|
NatWest
|
Business Plus Credit Card Mastercard |
|
3% cashback at eligible fuel and electric vehicle charging stations, 0.5% cashback on every purchase, Limited to £400 per year, 2% on eligible trade/business suppliers and 1% on eligible travel and accommodation. 3% cashback at eligible fuel and electric vehicle charging stations, 0.5% cashback on every purchase, Limited to £400 pe... | 13.9% | £70.00 | £70.00 |
|
Royal Bank of Scotland
|
Business Plus Credit Card Mastercard |
|
3% cashback at eligible fuel and electric vehicle charging stations, 0.5% cashback on every purchase, Limited to £400 per year, 2% on eligible trade/business suppliers and 1% on eligible travel and accommodation. 3% cashback at eligible fuel and electric vehicle charging stations, 0.5% cashback on every purchase, Limited to £400 pe... | 13.9% | £70.00 | £70.00 |
|
Santander
|
Business Cashback Credit Card Mastercard |
|
1% cashback on all card spending | 18.9% | £30.00 | £30.00 |
|
American Express
|
British Airways Amex Accelerating Business Card |
|
Earn 1.5 Avios for every £1 spent, with 3 Avios earnt per £1 on British Airways flights. Earn 30,000 bonus Avios if you spend £60,000 per year on purchases. Earn 30,000 bonus Avios if you spend £5,000 in first 3 months. Earn 1.5 Avios for every £1 spent, with 3 Avios earnt per £1 on British Airways flights. Earn 30,000 bonus Avios if you ... | 26.6% | £250.00 | £250.00 |
|
American Express
|
Business Gold Card |
|
2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. Earn 60,000 bonus Rewards Points if you spend £6,000 in the first three months. Travel accident insurance up to £250,000 and purchase protection insurance up to £2,500. 2 Reward Points for every £1 spent with American Express Travel. 1 Reward Point for every £1 spent on purchases. Earn 60... | 29.1% | £0.00 | £195.00 |
|
Bank of Scotland
|
Business Charge Card |
|
1% cashback on fuel and electric vehicle charging and 0.5% on other purchases | N/A | £0.00 | £32.00 |
|
Funding Circle
|
Business Cashback Card |
|
2% cashback on all spending for the first 6 months, 1% afterwards. | 34.9% | £0.00 | £0.00 |
|
Lloyds Bank
|
Business Charge Card |
|
1% cashback on fuel and electric vehicle charging and 0.5% on other purchases | N/A | £0.00 | £32.00 |
|
Lloyds Bank
|
Business Credit Card Mastercard |
|
1% cashback on fuel and electric vehicle charging and 0.5% on other purchases | 14.9% | £0.00 | £32.00 |
|
Barclaycard
|
Premium Plus Credit Card Mastercard |
|
0.5% cashback, up to £400 per year; two airport lounge visits per year; AXA travel insurance for the cardholder; up to £100 off cost of mobile phone with EE contract on Business Essential, Business Smart or Business Full Works plans. Save 2% on Fx fees. 0.5% cashback, up to £400 per year; two airport lounge visits per year; AXA travel insurance for the cardholder; up to £... | 18.4% | £150.00 | £150.00 |
|
NatWest
|
Business Credit Card Mastercard |
|
1% cashback on fuel and electric vehicle charging, annual fee waived after first year if cardholder spends £6000+. | 16.9% | £0.00 | £30.00 |
|
Royal Bank of Scotland
|
Business Credit Card Mastercard |
|
1% cashback on fuel and electric vehicle charging, annual fee waived after first year if cardholder spends £6000+. | 16.9% | £0.00 | £30.00 |