Best Business Credit Cards in the UK (2025): Compare, Apply & Save for Your Business

 

Looking for the best business credit cards in the UK? Discover top cards for cashback, rewards, low fees, and 0% interest in 2025. Compare benefits, eligibility & how to apply.




📑 Table of Contents

  1. Introduction

  2. What Are Business Credit Cards?

  3. Benefits of Business Credit Cards in the UK

    • Cash Flow Management

    • Business Rewards & Cashback

    • Building Business Credit Score

    • Expense Tracking

  4. How to Choose the Best Business Credit Card in the UK

    • Interest Rates (APR)

    • Annual Fees

    • Rewards & Cashback

    • Eligibility Criteria

  5. Top Business Credit Cards in the UK (2025)

    • Barclays Business Credit Card

    • American Express Business Card

    • HSBC Commercial Card

    • NatWest Business Credit Card

    • Lloyds Bank Business Card

  6. Comparison Table of UK Business Credit Cards

  7. Eligibility & Application Process in the UK

  8. Common Fees & Hidden Charges

  9. Business Credit Cards vs Business Loans in the UK

  10. Tips to Maximise Benefits of Business Credit Cards

  11. Risks & Things to Avoid

  12. FAQs (Frequently Asked Questions)

  13. Summary & Final Thoughts

1. Introduction

Running a business in the UK often means dealing with cash flow, expenses, and financial planning. One powerful tool that helps business owners manage their finances effectively is a business credit card. In 2025, UK banks and financial institutions are offering a wide variety of business credit cards designed to support small, medium, and large enterprises.

This article will guide you through everything you need to know – benefits, risks, best cards available, and how to choose the right one for your business.

2. What Are Business Credit Cards?

A business credit card is similar to a personal credit card but designed specifically for business expenses. These cards allow UK companies to separate personal and business spending, manage cash flow, and access financial perks tailored for businesses.

3. Benefits of Business Credit Cards in the UK

a) Cash Flow Management

Business credit cards help bridge short-term cash flow gaps by allowing delayed payments.

b) Business Rewards & Cashback

Many UK credit cards offer cashback on office supplies, travel, or fuel. Some cards even provide air miles or business reward points.

c) Building Business Credit Score

Regular use and timely repayment improve a company’s business credit profile, which helps in getting future loans or financing.

d) Expense Tracking

Most UK banks provide online dashboards and monthly reports that simplify expense tracking and accounting.

4. How to Choose the Best Business Credit Card in the UK

When comparing cards, keep these factors in mind:

  • Interest Rates (APR) → Lower is better.

  • Annual Fees → Some cards charge £30–£150 yearly.

  • Rewards & Cashback → Cashback, travel points, discounts.

  • Eligibility → Some cards require turnover proof or good credit history.

5. Top Business Credit Cards in the UK (2025)

🔹 Barclays Business Credit Card

  • Low annual fee option.

  • 0% interest on purchases for first 6 months.

  • Useful for startups and SMEs.

🔹 American Express Business Card

  • High rewards & cashback.

  • Strong travel benefits.

  • Suitable for companies with frequent expenses.

🔹 HSBC Commercial Card

  • Flexible repayment options.

  • Expense management tools.

  • Trusted by medium to large businesses.

🔹 NatWest Business Credit Card

  • Rewards on office spending.

  • Cashback on selected purchases.

  • 24/7 fraud protection.

🔹 Lloyds Bank Business Card

  • Low APR option.

  • Offers detailed expense reporting.

  • Suitable for stable, established businesses.

6. Comparison Table of UK Business Credit Cards

Bank / Card Annual Fee Intro Offer Rewards Best For
Barclays Business £32 0% APR (6 months) Cashback Startups
Amex Business £99 Reward Points Travel + Cashback Frequent spenders
HSBC Commercial £28 Flexible terms Rewards on purchases SMEs
NatWest Business £30 Cashback Office + fuel spend Small businesses
Lloyds Bank £40 Low APR Expense reports Established firms

7. Eligibility & Application Process in the UK

  • Must be a UK-registered business (sole trader, partnership, or limited company).

  • Good personal or business credit score.

  • Business bank account (preferred).

  • Proof of turnover / income.

Application can be done online through bank websites, often with instant approval for eligible businesses.

8. Common Fees & Hidden Charges

  • Annual fees

  • Late payment fees

  • Cash withdrawal charges

  • Foreign transaction fees

9. Business Credit Cards vs Business Loans in the UK

  • Business Loans → Large financing, long-term repayment, fixed interest.

  • Business Credit Cards → Flexible short-term borrowing, rewards & perks, revolving credit.

10. Tips to Maximise Benefits

  • Always pay balance in full to avoid high APR.

  • Use for recurring business expenses (fuel, office supplies).

  • Track rewards and cashback.

  • Avoid cash withdrawals.

11. Risks & Things to Avoid

  • Overspending beyond business needs.

  • Missing payments (hurts credit score).

  • Ignoring hidden fees.

12. FAQs

Q1: Can a startup in the UK get a business credit card?
Yes, if you have proof of business registration and turnover. Some banks also approve sole traders.

Q2: Are business credit cards in the UK tax deductible?
Interest may be deductible as a business expense, but always confirm with a tax advisor.

Q3: Do business credit cards affect personal credit score?
If personally guaranteed, late payments can affect personal credit history.

Q4: Which business credit card is best for cashback in the UK?
American Express Business Cards are among the best for cashback and rewards.

Q5: Can I get multiple business credit cards?
Yes, but ensure your business can manage repayments responsibly.

13. Summary & Final Thoughts

Business credit cards are powerful tools for UK entrepreneurs, startups, and established companies. From managing cash flow to earning cashback and rewards, these cards can reduce costs and simplify business finance.

In 2025, the best UK business credit cards include Barclays, Amex, HSBC, NatWest, and Lloyds. The right choice depends on your business size, spending habits, and need for rewards or low fees.

👉 Whether you are a small business owner or running a large enterprise, a business credit card can help you grow smarter – as long as you use it wisely.

🔗 Suggested Related  Websites 

  1. Statrys — “7 Best Business Credit Cards in the UK [2025]” guide. Statrys

  2. Finder UK — Best business credit cards for startups guide. finder.com

  3. NerdWallet UK — Compare business credit cards page. NerdWallet

  4. Capital on Tap — Official business credit card provider website. capitalontap.com

  5. Moss — Guide on best business credit cards in the UK. https://www.getmoss.com

  6. BusinessExpert.co.uk — Best business credit cards compared 2025. Business Expert

  7. MoneyfactsCompare.co.uk — Independent comparison charts for business credit cards. Moneyfactscompare


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