UK business credit cards compared

Purchase rate

17.44%

Interest-free period

up to 56 days

Cash withdrawals

Cash withdrawal in 'Europe' (SEPA countries): FREE; outside Europe: '2.99% + £1.50' (2.99% non-sterling transaction fee + £1.50 non-sterling cash fee). No UK cash-advance fee is listed; the IIS says 'No default charges'. Cash advance interest 17.44% p.a. with no interest-free period; ATM cash advance maximum £300 per day (IIS).

Who can apply

Not stated

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

'Minimum credit limit £500; Maximum credit limit Subject to status' (IIS).

Annual fee (as published)

'Annual fee: Zero' - 'we won't charge you for having your credit card'.

Notes

Page: 'All our cards come in at the one low rate of 18.9% APR'; '18.9% APR Representative (Variable)'; 'Up to 56 days on purchases (when you pay your balance in full and on time)'. The purchase and cash-advance interest rate of 17.44% per annum, the £500 minimum limit and the £300 ATM daily cap come from the Business Credit Card Important Information Summary linked from the page (https://www.metrobankonline.co.uk/globalassets/documents/customer_documents/business-and-commercial/business-credit-card_important-information-summary.pdf, 'correct as of 14 February 2024'), which states 'Typical 18.9% APR variable. All customers pay the same' - no assumed credit limit is given because there is a single rate. FX fee recorded as the outside-Europe rate of 2.99%; card purchases and cash withdrawals in the listed SEPA 'Europe' countries are free. Eligibility as published (no legal forms listed): 'You'll need a Business Current Account or Commercial Current Account with us to apply'; apply in store; 18+. Up to 9 nominated cardholders. Minimum repayment: highest of £20 or fees and charges plus 5% of balance.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

25.5%

Interest-free period

up to 56 days

Cash withdrawals

Cash withdrawals: '3% (minimum £3)'; non-sterling cash: '3% (minimum £3) plus 2.99% non-sterling transaction fee'. Cash interest: simple rate 27.900% (2.325% monthly), compound equivalent 31.8%; 'No interest-free period on cash withdrawals'.

Who can apply

Not stated

Minimum turnover

£10,000

Minimum trading history

Not published

Credit limit

'Minimum credit limit £1,000'; maximum 'Subject to application, financial circumstances and borrowing history'.

Annual fee (as published)

'Annual fee (per account) £0' - 'No annual fees for your card or account'.

Rewards (as published)

'Get 1% cashback, uncapped on all your business spend when you spend over £2,000 per statement month' (footnote: '1% cashback on all eligible business spend of £2,000 or more per statement month').

Notes

Representative example as printed: 'Representative APR (variable) 25.5% APR; Purchase rate APR (variable) 25.5% p.a.; Based on a credit limit of £1,200; Annual fee (per account) £0'. Summary rates: purchases monthly 1.909%, simple rate 22.910%, compound equivalent 25.5%; no introductory rate. 'Maximum 56 days' interest-free from the date of new purchases if the balance is paid in full and on time. Late payment / over limit / returned payment: £12; copy statement £2. Eligibility as published (no legal forms listed, hence empty array): 'You're a business owner or director'; directors and employees over 18; 'Your business is UK-based'; 'Your business turnover (or new business plan) is between £10,000 per year and £6,500,000 per year'; not bankrupt; commitments managed well over the last 12 months. Network not stated on the page ('Depending on your card type, rates can be found at either Visa or Mastercard'). Includes purchase protection and cardholder misuse insurance.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

29.94%

Interest-free period

up to 56 days

Cash withdrawals

Summary box: 'Cash advances / quasi-cash purchases (UK) 3%'; 'Foreign usage - ATM withdrawal £3.00' (plus the 2.99% non-sterling fee); cash interest 2.84% monthly / 39.94% annual; 'no interest free period on Cash Transactions'.

Who can apply

limited company, sole trader

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

Summary box: 'Minimum credit limit £300; Maximum credit limit £5,000 (Subject to status)'.

Annual fee (as published)

'No annual or monthly fees.' (summary box: 'Annual Fee (if applicable) n/a').

Rewards (as published)

'1% cashback on purchases' - 'receive 1% cashback on the first £100,000 of eligible card purchases each month'; excludes cash advances and quasi-cash.

Notes

APR, purchase rate, cash and foreign fees and limits are from the Business Credit Card Summary Box PDF linked from the page (https://www.zemplerbank.com/media/2qbnkzx5/business-credit-card-summary-box-marcretct53920624-299.pdf, ref MAR.CRE.T&C.T.5392.06.24): 'Representative 29.9% APR variable. Rates from 19.94% APR to 49.94% APR depending on individual circumstances'; purchases 2.21% monthly / 29.94% annual; cost-of-borrowing example 'based on 29.9% APR for a £1,200 credit limit'. The web page itself says 'Interest rates as low as 19.9% p.a. variable on purchases (depending on individual circumstances)' and its cost calculator carries a static label 'APR 21.9% (variable)', which does not match the summary box - the summary box figure is recorded and the discrepancy flagged. Eligibility as published: 'You're the director of a limited company and your company is registered in the UK with Companies House, or You're a sole trader'; UK resident 18+; no recent CCJ, IVA or CVA. 'Credit limit review within the first six months.' Late payment £12; over limit £12; returned payment £12. Formerly Cashplus.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

Not published

Interest-free period

up to 42 days

Cash withdrawals

'cash withdrawals and gambling transactions are not supported by this card'.

Who can apply

limited company

Minimum turnover

£30,000

Minimum trading history

12 months

Credit limit

'Up to £250,000 credit limit'.

Annual fee (as published)

'There's no monthly or annual fee to have a Funding Circle Cashback card'; company cards for the team at 'zero monthly or annual cost'.

Rewards (as published)

'2% cashback for the first 6 months (up to £2,000)' then '1% uncapped cashback after that' on all card spend, credited when you pay towards your statement.

Welcome offer (as published)

'2% cashback for the first 6 months' from the date the application is approved, 'capped at £2,000 cashback'.

Notes

'Interest rates start at 14.9% per year, with representative 34.9% APR (variable)' - 'Representative means that the majority of customers will get this rate or better.' Only a from-rate (14.9%) is published, so purchase_rate_pct is null; no assumed credit limit is given. 'Up to 42 days interest-free credit. Pay in full or choose part-payments.' Minimum repayment: 10% of the balance or £100, whichever is higher. Eligibility as published: 'Be a limited company; Have at least 1 year of trading history; Have an annual turnover of at least £30,000'. 'Our Cashback card is not yet available for existing customers' with FlexiPay or a Funding Circle loan. Section 75 Consumer Credit Act protection does not apply. Foreign transactions at Visa's exchange rate with no FX fee.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

Not published

Interest-free period

Not published

Cash withdrawals

'No ATM fees. You can withdraw up to £400 per day, with a maximum of two withdrawals.'

Who can apply

limited company, llp

Minimum turnover

Not published

Minimum trading history

0 months

Credit limit

'Credit limits up to £250,000'

Annual fee (as published)

'£0/year - No annual fee'. Free employee cards.

Rewards (as published)

'Uncapped 1% cashback on all card spending' - earned as 1 point per £1; redeem against balance, for cash or gift cards, or convert 10 points = 8 Avios / 8 Virgin Points, or to Radisson Rewards.

Notes

No representative example is published (business-only lending). Page states 'Rates as low as 13.86% APR (variable)' and 'Your final rate depends on your personal and business credit history and the Bank of England base rate'. Interest-free days are not stated anywhere on the page. Eligibility as published: active UK director or majority shareholder (25%+); business registered as Ltd, LLP or PLC and active on Companies House; no unsatisfied CCJs in the last 12 months; not a high-risk industry. Explicitly NOT eligible: sole traders, charities, trusts, funds, Royal Charters, dormant companies. 'There is no minimum trading period required.' Network taken from the page's card imagery labelled 'Visa Card'. Preloading (topping up with own money) earns 1% on the Free plan. Provider: New Wave Capital Limited t/a Capital on Tap (not a bank).

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

Not published

Interest-free period

Not published

Cash withdrawals

'cash withdrawals and gambling transactions are not supported by this card'; funds can instead be withdrawn to your own business bank account as a FlexiPay transaction at the standard flat fee (example: 'Withdraw £1,000 into your bank account - £96.66 per month - £1,159.90, with our standard flat fee applied').

Who can apply

limited company

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

'Up to £250,000 credit limit'.

Annual fee (as published)

'FlexiPay is free to set up when you apply directly at fundingcircle.com and comes with no interest or annual fees.' Pricing is a flat fee per transaction instead.

Notes

Instalment credit line with a Visa card rather than an interest-bearing revolving card: 'Flat fee from 1.99% per use'; 'No interest, no forex fee'; 'split it over 1-12 instalments' ('1, 3, 6, 9 or 12 instalments'). No APR is published. 'Pay in 1, fee-free (card only)' - the length of that fee-free period is not stated, so interest_free_days is null. Published examples: 'Spend £1,000 on office equipment - £346.63 per month - £1,039.90, with our standard flat fee applied'; 'Cover a £1,000 supplier invoice - £179.98 per month - £1,079.90'; 'the actual fee your business pays is determined by several factors, including our credit assessment process'. Minimum bill/supplier payment £100; no minimum card spend. Early settlement waives remaining instalment fees (customers who joined after July 2024). Eligibility as published: 'Apply as a limited company with no credit score impact'. Card issued by Monavate Ltd under Visa licence; the FlexiPay account is provided by Modulr FS Limited (e-money, not FSCS-protected). Foreign transactions at Visa's exchange rate with no FX fee.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

21.9%

Interest-free period

up to 59 days

Cash withdrawals

'cash advances = 3% (minimum fee = £3)'; 'there's no interest-free period on cash advances'.

Who can apply

sole trader, partnership, limited company, llp

Minimum turnover

Not published

Minimum trading history

12 months

Annual fee (as published)

'There's no annual fee to pay in your first year. After this, the annual fee for each credit card is £28.'

Rewards (as published)

'Get 1% cashback on your credit card' - 'Business Credit Card customers will earn 1.00% back on what you spend using your Credit Card with eligible spend, with no cap'; credited monthly; exclusions include gambling, tax payments, money transfers, third-party payment services, financial products. Plus Mastercard Business Savings merchant cashback.

Notes

Representative example as printed: '27.7% APR Representative (variable). Based on assumed credit limit of £1,200 and a purchase rate of 21.9% p.a (variable).' 'Up to 59 days interest-free credit on your business spending' if paid in full and on time. Non-sterling transactions 2.95% - 'We will not charge this if the transaction is in Euros, Swedish Kronor or Romanian Lei and it takes place in the UK or European Economic Area (EEA)'. Late payment £12; over limit £12. Eligibility as published: 'you need to be a UK resident aged 18 or over and have one of our business current accounts. And your business needs to have been actively trading for at least 12 months.' Terms are published for 'Sole Traders, Small Partnerships and Clubs' and 'Limited Companies, LLPs and Large Partnerships' (clubs also eligible, outside the schema list). One shared account credit limit split across cardholders; limit range not published. 'The Business Credit Card is issued by Nationwide Building Society (trading as Virgin Money).'

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

18.9%

Interest-free period

up to 56 days

Cash withdrawals

'Cash transactions: you'll pay 27.9% p.a and a 3% fee (minimum £3) for each transaction'.

Who can apply

sole trader, partnership, llp, limited company

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

'Credit limits between £500 - £25,000 (subject to status)'.

Annual fee (as published)

'£30 Annual account fee, additional cards available at no extra cost' - one fee per business, added when the card is activated and charged even if the card is unused.

Rewards (as published)

'1% cashback paid monthly on all business spend with no cap (T&Cs apply)'.

Notes

Representative example as printed: 'Representative 23.7% APR (variable); Based on £1,200 credit limit; Purchase rate 18.9% p.a. (variable); Annual fee £30'. FX: 'No foreign transaction fees on purchases abroad when paying in the local currency' (converted at the Mastercard rate). Eligibility as published: 'You're an existing Santander Business Current Account holder'; business based and registered in the UK; 'You're either a sole trader, partnership, limited liability partnership or private limited company with no more than 2 partners or directors, who own the business entirely'; all owners 18+ UK residents; no IVA in the last 6 years. Limited companies and LLPs: all directors/members must give a personal guarantee. Up to 3 additional cardholders (maximum 4 cards; all directors, owners and partners must have a card).

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

16.9%

Interest-free period

up to 56 days

Cash withdrawals

'Cash Advance charge - 3% of the transaction amount (minimum charge £3)'.

Who can apply

sole trader, partnership, limited company, llp

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

'Minimum credit limit of £500; maximum limit based on status'.

Annual fee (as published)

'£30 annual fee per cardholder - No card fee in the first year'; 'Annual fee of £30 waived from the second year onwards if you spend £6,000 or more each year.'

Rewards (as published)

'1% cashback at fuel and EV charging' - 'Earn 1% cashback at eligible fuel and EV charging providers, including BP, Shell, Tesla and more'; no cap; credited monthly. Plus 'Business Savings from Mastercard' merchant discount programme.

Notes

Representative example as printed: 'Representative APR 24.3% (variable); Purchase rate 16.9% p.a. (variable); Assumed credit limit £1,200; Annual fee £30 (for each card)'. 'Available to UK businesses (18+) with a NatWest business account (same legal entity) and turnover up to £2m. UK address and tax registration required.' Terms are published in two sets: 'Sole Traders, Partnerships (of up to 3 partners), or unincorporated associations (such as Charities, Clubs, Societies or Associations)' and 'Limited Companies, Limited Liability Partnerships, Partnerships (4 or more partners) and Charitable Incorporated Organisations' - unincorporated associations and CIOs are therefore also eligible but fall outside the schema's list. Admin fee for late payment £0; returned payment £0; over limit £0. Ancillary services £1 per page, max £40. Non-sterling fee also applies to purchase of foreign currency and travellers' cheques.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

14.9%

Interest-free period

up to 56 days

Cash withdrawals

'Cash withdrawals: 2.5% handling fee, minimum £2.50'; 'withdraw up to £500 in cash each day'; cash interest 14.9% p.a. (1.241% monthly) from the transaction date, 'No interest-free period on cash withdrawals'. Non-sterling cash also pays the 2.95% non-sterling fee.

Who can apply

sole trader, partnership, limited company, llp

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

'Minimum business credit limit £1,000. Maximum business credit limit £25,000 subject to status'.

Annual fee (as published)

'No annual fee for each card added in the first 12 months of business card account opening. After the first year, we'll charge an annual fee of £32 per cardholder, unless you spend £6,000 or more across all cards each year.'

Rewards (as published)

'Earn 1% cashback on fuel and charging and 0.5% on other purchases. Minimum spend threshold applies' - cashback requires 'a minimum spend threshold of at least £2,000 in that billing cycle', calculated across the whole Business Credit or Charge Card account and credited monthly. Excludes cash withdrawals, balance/money transfers, cryptocurrency and gambling. Plus merchant rebates via Business Savings by Mastercard.

Notes

Representative example as printed: 'A variable annual purchase rate of 14.9% and a variable representative 15.95% APR based on borrowing £1,200. No fee for first 12 months.' Purchases and cash withdrawals both 1.241% monthly / 14.9% annual. Default charges £12 (late payment, returned payment, over limit); copy transaction receipt £5. Eligibility as published: 'a sole trader, partner or company director with authority to borrow on behalf of your business'; 'A guarantee may be needed for Limited Companies and Limited Liability Partnerships.' Application is via Online for Business (existing Lloyds business customers: 'Log in to Online for Business to see if you can apply'). Minimum payment: higher of £5 or interest + default charges + 1/12 annual fee + 1% of balance.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

15.9%

Interest-free period

up to 56 days

Cash withdrawals

'Cash Advances: 2.99% handling fee, minimum £3'; cardholders can withdraw up to £500 per day. Non-sterling: '2.99% of the transaction in sterling (minimum charge for cash or cash payment £3.00)' in addition to the cash advance fee. Cash advances bear the same 15.9% p.a. rate as purchases.

Who can apply

Not stated

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

'Minimum: £500 per card'; maximum not stated ('A flexible credit limit which you can tailor').

Annual fee (as published)

'£32 annual fee per card - waived for the first year'; 'This also applies to additional cards issued for employees.'

Notes

Representative example as printed: 'based on an assumed limit of £1,200, 15.9% rate p.a. for purchases, 22% APR representative variable. £32 annual fee per card - waived for the first year.' Purchases & cash advances monthly rate 1.238%, annual 15.9% variable. Interest-free: 'Up to 56 days (38 days if you pay in full each month by Direct Debit) on Purchases and Cash Advances if you pay your whole balance in full and on time.' Late payment £12. Repayment only by Direct Debit from an HSBC Business Current Account (full or minimum). Eligibility as published (no legal forms listed): 'Any business with an HSBC Business Current Account is eligible to apply for a card. Applicants must be 18 or over and a UK resident. Schools and Charities can apply if they are authorised to borrow.' Minimum payment: interest + fees + 1.5% of balance, min £5. Page also links a Commercial Card factsheet PDF (not needed - all figures above are on the page).

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

n/a - balance due in full each month

Interest-free period

up to 42 days

Cash withdrawals

'Cash withdrawals: 2.5% handling fee, minimum £2.50'; 'Includes daily cash withdrawal limit of £500'. Non-sterling cash also pays the 2.95% non-sterling fee.

Who can apply

sole trader, partnership, limited company, llp

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

'Borrow a minimum of £1,000'; maximum not stated.

Annual fee (as published)

'No annual fee for each card added in the first 12 months of business card account opening. After the first year, we'll charge an annual fee of £32 per cardholder, unless you spend £6,000 or more across all cards each year.'

Rewards (as published)

'Earn 1% cashback on fuel and charging and 0.5% on other purchases. Minimum spend threshold applies' - at least £2,000 in the billing cycle across the card account; credited monthly. Plus merchant rebates via Business Savings by Mastercard.

Notes

Charge card: 'Access cash flow with up to 42 days interest-free on purchases'; 'you'll need to pay your balance in full each month'. No APR or purchase rate published. Copy transaction receipt £5. Includes Travel Insurance and Buyers Protection Insurance; unlimited employee cards. Eligibility as published: 'a sole trader, partner or company director with authority to borrow on behalf of your business'; 'A guarantee may be needed for Limited Companies and Limited Liability Partnerships.' Apply via Online for Business.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

n/a - balance due in full each month

Interest-free period

up to 38 days

Cash withdrawals

Cash: '3% (minimum £3)'; non-sterling cash: '3% (minimum £3) plus 2.99% non sterling transaction fee'.

Who can apply

Not stated

Minimum turnover

£10,000

Minimum trading history

Not published

Credit limit

'Minimum credit limit £1,000'; maximum 'Subject to application, financial circumstances and borrowing history'.

Annual fee (as published)

'£42 annual fee (to be paid in the first month) with no additional cardholder fees' - 'There's an annual account fee of £42.'

Notes

Charge card: 'Up to 38 days to pay off purchases, interest-free. You must pay your balance back in full each month.' No purchase interest rate is published; Barclaycard does print 'Representative 3.6% APR (variable)' in its summary rates for this card, which is recorded as printed - for a charge card the APR reflects the £42 annual fee, not interest. Late payment / over limit / returned payment £12; copy statement £2. Eligibility criteria identical to the Barclaycard credit cards (business owner or director, UK-based, turnover £10,000-£6,500,000 per year; no legal forms listed). Cardholders get access to Barclaycard cashback offers and discounted event tickets (no rate published). Network not stated on the page.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

18.4%

Interest-free period

up to 56 days

Cash withdrawals

Cash withdrawals: '3% (minimum £3)'; non-sterling cash: '3% (minimum £3) plus 0.99% non-sterling transaction fee'. Cash interest: simple rate 27.900% (2.325% monthly), compound equivalent 31.8%; 'No interest-free period on cash withdrawals'.

Who can apply

Not stated

Minimum turnover

£10,000

Minimum trading history

Not published

Credit limit

'Minimum credit limit £1,000'; maximum 'Subject to application, financial circumstances and borrowing history'.

Annual fee (as published)

'Annual fee (per account) £150' - 'There's an annual account fee of £150.'

Rewards (as published)

'Get 0.5% cashback on all business spend, up to £400 per year' ('The maximum amount of cashback you can earn in any cashback year is £400').

Welcome offer (as published)

'Get six months interest-free on purchases from account opening' (introductory purchase rate '0% for 6 months from account opening').

Notes

Representative example as printed: 'Representative APR (variable) 54.3% APR; Purchase rate APR (variable) 18.4% p.a.; Based on credit limit £1,200; Annual fee (per account) £150'. Summary rates: purchases monthly 1.417%, simple rate 17.000%, compound equivalent 18.4%. 'Streamline international transactions with a 2% reduction in foreign exchange fees' - the non-sterling fee is printed as 0.99% (vs 2.99% on Select Cashback). Late payment / over limit / returned payment £12; copy statement £2. Promotional rates are lost if a minimum payment is missed or the limit exceeded. Eligibility criteria identical to Select Cashback (business owner or director, UK-based, turnover £10,000-£6,500,000 per year). Network not stated on the page. Also advertises 'airport perks' and handpicked partner perks.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

n/a - balance due in full each month

Interest-free period

up to 54 days

Cash withdrawals

Not published

Who can apply

limited company, llp

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

No pre-set spending limit ('but this does not mean unlimited spending').

Annual fee (as published)

'No annual fee for the first year, and £195 per year after that.'

Rewards (as published)

'Earn 1X point for every eligible £1 spent' (Membership Rewards); 'Earn 2X points for every £1 spent on American Express Travel'. Points transfer to partners including British Airways, Marriott Bonvoy and Virgin Atlantic.

Welcome offer (as published)

'Earn 20,000 Membership Rewards bonus points when you spend £3,000 in the first three months of Cardmembership.' Not available if you currently hold, or have held in the last 24 months, an American Express Business Card that earns Membership Rewards points.

Notes

Charge card: 'a payment period of up to 54 days interest free on purchases ... simply pay your total balance in full every month'. No APR or purchase rate is published. FX: page terms state 'a non-sterling transaction fee of 2.99% for transactions made in a currency other than Great British Pounds'. Cash withdrawal fee not published on the page. Eligibility as published: business has a current UK bank or building society account; applicant 18+, permanent UK home address, 'You earn at least £20,000 per year'; 'Your business must be either a Limited Liability Company (LTD) or a Limited Liability Partnership (LLP) and you must be a director/member of the business.' Other benefits: up to £200 Amex Travel Credits when you spend £80,000 in a Cardmembership year; Indeed up to £50 back every 3 months; £100 annual Dell Technologies statement credit; £20 back on £60+ at Alamo/Enterprise up to £240 per year; 15% Superscript credit once a year; travel accident insurance up to £250,000; purchase protection up to £2,500 per item; refund protection up to £300.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

26.6%

Interest-free period

up to 56 days

Cash withdrawals

Not published

Who can apply

sole trader

Minimum turnover

Not published

Minimum trading history

Not published

Annual fee (as published)

'Annual Fee £250' ('You will pay the annual Cardmembership fee of £250').

Rewards (as published)

'Earn 1.5 Avios for every £1 spent on everyday purchases' (changing to 1.25 Avios per eligible £1 from 7 October 2026); '2 On Business Points for every eligible £1 spent on qualifying British Airways flights' (not earned from 7 October 2026); 'For every £20,000 you spend, get 10,000 bonus Avios. Up to 3 times each calendar year'. From 7 October 2026: up to £200 in statement credits each calendar year on Avios Hotels / Avios Car Hire bookings.

Welcome offer (as published)

'Collect 40,000 bonus Avios (was 30,000) when you spend £5,000 in the first three months of Cardmembership. Offer ends 6th October 2026.' Not available if you have held any American Express Business Card in the previous 12 months.

Notes

Representative example as printed: 'Purchase Rate 26.6% p.a. (variable); Annual Fee £250; Representative APR 104.9% APR variable; Assumed Credit Limit £1,200'. 'Up to 56 calendar days interest free (when you pay your balance in full) or the choice to pay over time with interest.' Eligibility as published: 'The business has a current UK Bank or Building Society account. Available to Sole Traders and Small Businesses'; applicant earns at least £20,000 per year - 'Small Businesses' is not defined by legal form, so only sole trader is recorded. Non-sterling and cash fees are not on the page. Up to 20 complimentary Employee Cards. Instalment plans on purchases of £100+ with a fixed monthly fee. Amex's own Gold page describes this card as the option 'if you are a sole trader looking for an alternative'.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

Not published

Interest-free period

Not published

Cash withdrawals

'No annual, FX, or ATM fees'; withdraw up to £400 per day, maximum two withdrawals (as for the Free card).

Who can apply

limited company, llp

Minimum turnover

Not published

Minimum trading history

0 months

Credit limit

'Credit limits up to £250,000'

Annual fee (as published)

'£299/year' ('For £299 a year, get everything on the free card plus travel rewards').

Rewards (as published)

'Uncapped 1% cashback on all card spending' plus '1.25% cashback on preloaded spend'; points convert to Avios or Virgin Points at 1:1 (1 point = 1 Avios / 1 Virgin Point).

Welcome offer (as published)

'10,000 bonus points when you spend £5,000 on your card in your first 3 months' ('worth £100'; 'only for customers who haven't received a sign-up bonus before').

Notes

Same credit product and eligibility as the Free card ('Rates as low as 13.86% APR (variable)'; no representative example or interest-free days published; sole traders not eligible). Pro adds: unlimited Priority Pass lounge access with two free guest passes per year (extra guests £30 per visit), premium metal card, Radisson Rewards VIP status, complimentary subscription to The Times and Sunday Times, dedicated 24/7 support.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

n/a - balance due in full each month

Interest-free period

up to 54 days

Cash withdrawals

Not published

Who can apply

limited company, llp

Minimum turnover

Not published

Minimum trading history

Not published

Credit limit

No pre-set spending limit ('but this does not mean unlimited spending').

Annual fee (as published)

'Annual Fee £650' ('You will pay the annual Cardmembership fee of £650').

Rewards (as published)

'Earn 1X point for every eligible £1 spent' (Membership Rewards); 'Earn 2X points for every £1 spent on American Express Travel'. Points transfer to partners including British Airways, Marriott Bonvoy and Virgin Atlantic.

Welcome offer (as published)

'Earn 50,000 Membership Rewards bonus points when you spend £6,000 in the first three months of Cardmembership.' Not available if you currently hold, or have held in the last 24 months, an American Express Business Platinum Card.

Notes

Charge card: 'Up to 54 days to pay interest free ... To avoid incurring interest payments, simply pay your total balance in full every month.' No APR or purchase rate published. FX: page terms state a non-sterling transaction fee of 2.99%. Cash withdrawal fee not published on the page. Eligibility as published: business has a current UK bank or building society account; applicant 18+, UK home address, 'You earn at least £35,000 per year'; business must be a LTD or LLP and applicant a director/member. Benefits: 'Get up to £600 in Amex Travel Credit' (£200 annual with no minimum spend, plus £200 at £60,000 spend and a further £200 at £120,000 in a Cardmembership year); £300 annual Indeed statement credit (£75 per quarter); £150 annual Dell Technologies statement credit; Alamo/Enterprise £20 back on £60+, up to £240 a year; 15% Superscript credit once a year; hotel elite status with Hilton, Marriott Bonvoy, Melia, Radisson, Accor (enrolment required); purchase protection up to £2,500 per item; refund protection up to £300.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

n/a - balance due in full each month

Interest-free period

up to 38 days

Cash withdrawals

ATM withdrawals are permitted and can be allowed, blocked or made request-only by the company; no ATM fee is published.

Who can apply

Not stated

Minimum turnover

Not published

Minimum trading history

Not published

Annual fee (as published)

No card fee is published; access is via a platform subscription - 'Growth program: Experience Payhawk for 24 months at just £149/mo' (1 entity, up to 15 invoices and 15 reimbursements per month); all other plans are modular and quoted ('Get a demo').

Notes

Payhawk calls these 'Payhawk Visa Credit cards' and also offers Visa debit cards on the same platform ('Debit for control. Credit for cash flow.'). Recorded as a charge card because no interest rate or APR is published and the only credit term is 'interest-free purchases for up to 38 days' ('credit cards allow you to borrow funds up to a specified limit and repay them later'). FX: 'Forget FX on cards in 26 countries and get 1.99% everywhere else' and '0% FX across seven currencies' - recorded as 1.99% with 0% in the listed currencies. Pricing page (https://payhawk.com/pricing-and-plans) lists 'Credit line (EUR, US, GBP)' and 'Convert between account currencies at mid-market rate plus 0.3% (EUR, GBP, USD, CHF) and 0.7% (DKK, PLN)'; credit line 'safeguarded by J.P. Morgan'. 'No personal credit checks.' Eligible business types are not stated. UK cards are issued by Payhawk Financial Services Limited (UK EMI). A spend-management platform aimed at multi-entity companies rather than a standalone card.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.

Purchase rate

n/a - balance due in full each month

Interest-free period

Not published

Cash withdrawals

'Card Withdrawal at Cashpoint - Card denominated in GBP: 1% of amount with minimum GBP 2.00'; cashpoint balance enquiry £0.50.

Who can apply

Not stated

Minimum turnover

Not published

Minimum trading history

Not published

Annual fee (as published)

No annual card fee; platform plans are 'Standard £21 per month +VAT', 'Plus £33 per month +VAT', 'Unlimited: Price on request'. Card issuing (GBP Fees Summary): plastic card £5.00, virtual card £1.00, replacement/renewal £5.00 / £1.00.

Notes

Prepaid, not credit: 'Employees can only spend funds that have been deposited onto the prepaid card' (https://www.soldo.com/en-gb/prepaid-card/prepaid-business-cards/); 'No credit checks'. No APR, interest-free period or credit limit applies. Card fees are from the Soldo Financial Services GBP Fees Summary v1.8 dated 04/10/2024 linked from the pricing page (https://download.soldo.com/legal/FeeSummary/SoldoFinancialServicesFeeSummary-UK.pdf): 'Card transaction currency exchange (FX): Mastercard exchange rate + 1.5%'; outbound GBP Faster Payment £0.75; account redemption via Faster Payments £20; transaction investigation £20. Pricing page notes the e-money account is 'subject to additional fees such as, card issuance, cash withdrawals and others'. UK services provided by Soldo Financial Services Ltd (FCA-authorised EMI, FRN 900459); e-money is not FSCS-protected. Eligible business types are not stated.

Provider's published terms →Read 5 September 2026. Credit is subject to status; the provider decides.