Compare Business Credit Cards
Ordered by product affiliation
Capital on Tap
Business Credit Card
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
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Uncapped 1% cashback on all card spending
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Unlimited, free employee cards
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No foreign exchange, ATM or platform fees
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Auto-sync transactions with accounting software
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24/7 customer support
But be aware that
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Representative 34.96% APR variable
Capital on Tap
Pro Business Credit Card
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
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Business travel, stays and spending
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Enhanced rewards and cashback
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Unlimited, free employee cards
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Premium metal card
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24/7 customer support
But be aware that
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£299 annual fee
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Representative 110.86% APR variable
Moss
Business Credit Card
Rewards:
• 0% Interest
• Up to 0.5% Cashback. T&Cs apply
Great for
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Growing UK businesses with multiple employees that need to manage and control company spending across teams and departments as they scale
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Finance teams that want real-time visibility into card spending, with clear transaction data and audit-ready records
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Businesses looking to reduce manual expense admin using automated receipt capture and accounting-ready exports
But be aware that
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Cards are designed for business spending and control, rather than rewards, cashback, or points-based incentives
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Pricing and fees vary depending on business setup and usage, with administration fees agreed during onboarding
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Works best where spending is shared across teams, rather than for sole traders with very limited card usage
American Express
British Airways American Express® Accelerating Business Card
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 26.6% (variable) p.a. your representative APR is 104.9% (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
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Up to 56 days interest-free (if balance paid in full)
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Plan It™ instalment plans for purchases over £100
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Travel accident and inconvenience protection
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24/7 Global Assist support
But be aware that
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Foreign transaction fee of 2.99%
American Express®
Business Gold Card
Rewards:
Earn 1x Membership Rewards® points for every eligible £1 spent.
2x Membership Rewards points for every eligible £1 spent on American Express Travel.
Earn 60,000 Membership Rewards® points when you spend £6,000 in your first three months of Cardmembership. Offer ends 5 May 2026. Annual fee applies after first year. Terms apply. 18+, subject to status
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 Card membership
Purchase rate of 29.1% p.a. (variable) & terms apply. Available to UK LTD/LLP’s, signatories must be 18+ and a Director/member of the business. Subject to status
Great for
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Up to 54 days to pay
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No pre-set spending limit
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Complimentary Employee Cards with spend tracking
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Expense management tools compatible with QuickBooks and Xero
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Over £200/year in partner discounts via Amex Offers
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£100 annual Dell Technologies credit
American Express®
Business Platinum Card
Rewards:
Earn 1x Membership Rewards® points for every eligible £1 spent.
Earn 120,000 Membership Rewards® points when you spend £12,000 in the first three months of Cardmembership. Offer ends 5 May 2026. Annual Fee and terms apply. 18+, subject to status
£200 Annual Travel Credit at American Express Travel Online..
Complimentary digital subscription to The Times - What's going on in the world can have a real effect on your business. With your complimentary annual digital subscription to The Times and Sunday Times, you can keep on top of what's new.
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 Card membership fee of £650
Purchase rate of 29.1% p.a. (variable) & terms apply. Available to UK LTD/LLP’s, signatories must be 18+ and a Director/member of the business. Subject to status
Great for
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No pre-set spending limit
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Up to 54 days to pay
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Access to 1,550 airport lounges worldwide
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Transfer points to travel partners (e.g., BA, Marriott, Virgin)
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Premium support and business tools
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Worldwide travel insurance
