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Compare Business Credit Cards

Ordered by product affiliation

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Capital on Tap

Business Credit Card

  • Annual Fee

    Free

  • Rewards

    Avios, Cashback, Gift Cards


Rewards:

  • Earn 1 point for every £1 spent

  • Redeem points against balance, for cash, Avios or for gift cards

  • Exclusive offers with partner brands


Great for

  • Uncapped 1% cashback on all card spending
  • Unlimited, free employee cards
  • No foreign exchange, ATM or platform fees
  • Auto-sync transactions with accounting software
  • 24/7 customer support

But be aware that

  • Representative 34.96% APR variable
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Capital on Tap

Pro Business Credit Card

  • Annual Fee

    £299

  • Rewards

    Avios, Cashback, Gift Cards


Rewards:

  • Everything from Business Credit Card, plus:

  • 10,000 bonus points when you spend £5,000 on your card in your first 3 months

  • Earn 1.25% cashback on all preloaded card spend

  • Unlimited access to 1,600+ airport lounges for the main card holder + 2 free guest passes

  • Radisson Rewards VIP status

  • 6 months free Xero for first-time subscribers


Great for

  • Business travel, stays and spending
  • Enhanced rewards and cashback
  • Unlimited, free employee cards
  • Premium metal card
  • 24/7 customer support

But be aware that

  • £299 annual fee
  • Representative 110.86% APR variable
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American Express

British Airways American Express® Accelerating Business Card

  • Annual Fee

    £250

  • Rewards

    Avios


Rewards:

  • Earn 1.5x Avios for every eligible £1 spent.

  • 2x On Business Points for every eligible £1 spent with British Airways.

  • New Cardmembers earn 30,000 bonus Avios when you spend £5,000 in the first three months of Cardmembers.

  • Plus, you will be awarded 10,000 bonus Avios once you have spent and charged £20,000 on purchases on your Card, up to three times each calendar year.

Representative example: If you spend £1,200 at a purchase rate of 26.9% (variable) p.a. your representative APR is 105.5% (variable)

To apply for this card, you should be able to say yes to the following:

  • The business has a current UK bank or building society account

  • I am aged 18 or over

  • I have a permanent UK home address

  • I earn at least £20,000 per year

  • I will pay the annual Cardmembership fee of £250

  • I understand and meet the British Airways on Business requirements*

*To access the On Business benefits, your company must not be a travel agency, ticket brokerage firm or consolidator AND your company does not have an existing corporate incentive agreement with British Airways, Iberia or American Airlines. When enrolling into the On Business programme through this British Airways American Express Accelerating Business Card application process, there is no requirement for your business to be VAT registered. (Visit va.com/onbusiness for criteria)


Great for

  • Up to 56 days interest-free (if balance paid in full)
  • Plan It™ instalment plans for purchases over £100
  • Travel accident and inconvenience protection
  • 24/7 Global Assist support

But be aware that

  • Foreign transaction fee of 2.99%
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American Express®

Business Gold Card

  • Annual Fee

    £195 (first year free)

  • Rewards

    Travel, Shopping, Entertainment


Rewards:

  • Earn 1x Membership Rewards® points for every eligible £1 spent.

  • 2x Membership Rewards points for every eligible £1 spent on American Express Travel.

  • Welcome offer of 20,000 Membership Rewards points when you spend £3,000 in the first three months of Cardmembership.

  • Earn 10,000 extra Membership Rewards points on purchases when you spend £20,000 or more per quarter, up to an additional 40,000 points in a year.

To apply for the Gold Business Card, you should be able to say yes to the following:

  • The business has a current UK bank or building society account

  • I am aged 18 or over

  • I have a permanent UK home address

  • I earn at least £20,000 per year

  • I will pay the annual fee of £195 after my first year of Cardmembership


Great for

  • Up to 54 days to pay
  • No pre-set spending limit
  • Complimentary Employee Cards with spend tracking
  • Expense management tools compatible with QuickBooks and Xero
  • Over £200/year in partner discounts via Amex Offers
  • £100 annual Dell Technologies credit
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American Express®

Business Platinum Card

  • Annual Fee

    £650

  • Rewards

    Points, Travel, Shopping


Rewards:

  • Earn 1x Membership Rewards® points for every eligible £1 spent.

  • Welcome offer of 50,000 Membership Rewards points when you spend £6,000 in the first three months of Cardmembership.

  • Earn 10,000 extra points when you spend £10,000 or more per month, up to an additional 120,000 points in a year.

  • £200 Annual Travel Credit at American Express Travel Online.

To apply for the Business Platinum Card, you should be able to say yes to the following:

  • The business has a current UK bank or building society account

  • I am aged 18 or over

  • I have a permanent UK home address

  • I earn at least £35,000 per year

  • I will pay the annual Cardmembership fee of £650


Great for

  • No pre-set spending limit
  • Up to 54 days to pay
  • Access to 1,400+ airport lounges worldwide
  • Transfer points to travel partners (e.g., BA, Marriott, Virgin)
  • Premium support and business tools
  • Worldwide travel insurance

Reviewed on 11 Dec 2025