Guide

Clara's best Business Credit Cards.

How can a business credit card help me and my business?

Having consistent and dependable access to capital is important to businesses that want to have an edge. If your customers need your product or service immediately, but your ability to finance their needs is hindered, then you run the risk of losing the customer to one of your competitors. 

How do I get started with my business credit card application?

  • Step 1: Pick the card you want from our list. 
  • Step 2: Click on the card or the link that refers you to an application. 
  • Step 3: Review the terms and understand the credit card’s information.
  • Step 4: Fill out the form and click the application button.
  • Step 5: Wait for a response from the company. They will work with you and see what you qualify for. 

What is Capital On Tap?

Capital On Tap is a very well reviewed rewards credit card company, they're not linked to a bank, they're a fintech company offering business credit cards.

They have great rewards and are very flexible with payment plans and credit.

Are business credit card rewards really worth it?

Yes! We believe they are, provided you pay them off in time then the rewards typically are better than the minimal annual costs. You already spend the money why not get rewarded for business lunches, SaaS products, business travel or any other cost on card (including some accountants) , so why not take advantage of all the perks the credit cards are providing? Finding the right credit card for you is what’s important, that’s why we provided our list of which business credit we believe are the best. 

What are the Best Business Credit Cards UK?

The best business credit cards in the UK dependent a lot on which rewards you're most interested in.

Capital On Tap is well regarded by many and has good rewards 1 Avios point per dollar spent.

NatWest has a great business card that allows you to earn  0.5% cashback on every purchase with a card, 2% on certain trade/business vendors and 1% on certain fuel and accommodation. The cashback is limited to GBP 400 per annum.

The Santander business credit card has an exceptional deal 1% cashback on all expenses with no cap

See the full list of business cards here. So you can decide which is the best business credit card for you.


Yorkshire Bank credit card

Yorkshire Bank offers a free Business Credit Card for 12 months. After the period, it costs GBP 28 annually. The deal does not include other fees, concerning late payments, cash withdrawals or payments in foreign currencies. It has a rate from 16.9% - 22.4% interest rate and a 1200 GBP limit.

TSB business credit card

TSB is discontinuing TSB Credit Cards and moving users to debit cards (so you spend your own money with no credit limit.)

If you want to find a new business credit card see the full list here.
Interest Free Period
56
Price Recurrency
Yearly
Minimum Interest Rate
16.9%
Additional Costs For Atm Withdrawal
Yes
Option To Earn Points
No
Representative Apr
22.4%
Period Unit
Days
Cash Back
No
Price Amount
28 GBP
No Fee On Purchase Period
First 12 months
Assumed Credit Limit
1,200 GBP

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Clydesdale Bank offers free Business Credit Card for 12 months. After the period, it costs GBP 28 annually. The deal doesn not include other fees, concerning late pamyents, cash withdrawals or payments in foreign currencies.

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Interest Free Period
56
Price Amount
0 GBP
Price Recurrency
Never
Minimum Annual Company's Turnover
10,000 GBP
Minimum Interest Rate
24.9%
Additional Costs For Atm Withdrawal
Yes
Option To Earn Points
No
Representative Apr
24.9%
Period Unit
Days
Assumed Credit Limit
1,200 GBP
Cash Back
No
Maximum Credit Limit
25,000 GBP
No Fee On Purchase Period
N/A

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Flex Credit Card allows managing your account on your device with online servicing. It is free of charge, with which you also get 56 days of interest free repayment. It doesn't offer reward points or cashback.

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Interest Free Period
56
Price Recurrency
Yearly
Additional Costs For Atm Withdrawal
Yes
Option To Earn Points
Yes
Period Unit
Days
Cash Back
No
Price Amount
595 GBP

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Business Platinum Card offers special reward for new members that spend GBP 600 in the first three months of card membership, will get 40,000 Membership points. A card holder can also enjoy 1,200 airport lounges within 130 countries. Additionally, cardholder receives a Times and Sunday Times annual membership in a value of GBP 312. Later on a rewarding system allows to earn one point per GBP 1 spend on selected articles. Cardholder can also receive one complimentary Business Platinum Supplementary Card.

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