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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

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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

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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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Funding Circle

Business Credit Card

  • Annual Fee

    Free

  • Rewards

    2% cashback T&Cs apply

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Rewards:

  • 2% cashback for 6 months, up to £2,000. T&Cs apply

Great for

  • Earn money back on all card spend with 2% cashback for the first 6 months (up to £2,000), then 1% uncapped cashback after that
  • Zero monthly fees, no hidden costs or foreign exchange fees, and no need to switch your business banking.
  • Up to 42 days interest-free credit. Pay in full or choose part-payments based on your business needs.

But be aware that

  • Interest rates start at 14.9% per year, with representative 34.9% APR (variable)
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Moss - Spend Management Platform

Business Credit Card

  • Annual Fee

    From £2,400

  • Rewards

    Up to 0.5% Cashback

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Rewards:


• Up to 0.5% Cashback. T&Cs apply

Great for

  • Cash flow - get 0% interest on company spending for up to 30 days; full balance repaid at the end of each 30-day cycle
  • Businesses with 25+ employees - no per-user fees and set custom spend rules per card
  • Businesses using Xero, Sage or QuickBooks - transactions sync automatically, with automated receipt capture and AI-powered coding

But be aware that

  • Repay full balance in up to 30 days - no option to carry a balance
  • Monthly platform fee starting from £200/month
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