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The American Express® Business Gold Card

Purchases

Not applicable

Annual fee

£175 (£0 in first year)

Rewards

20,000 welcome bonus points. 1 point for every eligible £1 spent

Rep APR %

Not applicable

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Earn 20,000 bonus Membership Rewards® points if you are approved and spend £3,000 in the first three months of Cardmembership. Terms apply

Earn 1 point for every eligible £1 spent on your Card. You can redeem your points on a variety of things such as flights for your business travel, computers for the office, or corporate entertaining and gifting

Earn 10,000 extra Membership Rewards points when you spend £20,000 per quarter.

The American Express® Business Platinum Card

Purchases

Not applicable

Annual fee

£650

Rewards

Offer earn 40,000 welcome bonus points. 1 point for every eligible £1 spent

Rep APR %

Not applicable

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OFFER Welcome Bonus: Earn 40,000 Minimum Spend: £8,000 in the first 3 months

£200 Annual Travel Credit when you spend at American Express Travel Online

Each month spend £10,000 and receive an extra 10,000 bonus points

Barclaycard Payments Select Cashback Business Credit Card

Purchases

21.9%

Annual fee

None

Rewards

3% cashback uncapped on all business spend*

Rep APR %

21.9%

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3% cashback Uncapped on all your business spend for 3 months*

No annual fees on your account or for using your card

Purchase protection and cardholder misuse insurance**

Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable) so if you borrow £1,200 and the Annual fee is £0 the Representative APR will be 21.9% APR (variable).

Barclaycard Premium Plus Business Credit Card

Purchases

14.9%

Annual fee

£150

Rewards

6-month interest-free on purchases period

Rep APR %

49.4%

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Save 2% on foreign exchange fees

6-month interest-free on purchases period

Representative Example: The standard interest rate on purchases is 14.9% p.a. (variable) so if you borrow £1,200 and the Annual fee is £150 the Representative APR will be 49.4% APR (variable).

Royal Bank Of Scotland Business credit card

Purchases

16.9%

Annual fee

£30 (Free On 1st Year)

Rewards

None

Rep APR %

24.3%

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Only available to existing business customers

Minimum credit limit of £500, maximum credit subject to status in eligibility section

Annual fee Year 1 – £0, Year 2 onwards – £30 per annum

Representative Example: The standard interest rate on purchases is 16.9% p.a. (variable) so if you borrow 1,200 and the Annual fee is £30 the Representative APR will be 24.3% APR (variable).

NatWest Business credit card

Purchases

16.9%

Annual fee

£30 (Free On 1st Year)

Rewards

None

Rep APR %

24.3%

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More info

Only available to existing business customers

Minimum credit limit of £500, maximum credit subject to status in eligibility section

Annual fee Year 1 – £0, Year 2 onwards – £30 per annum

Representative Example: The standard interest rate on purchases is 16.9% p.a. (variable) so if you borrow £1,200 and the Annual fee is £30 the Representative APR will be 24.3% APR (variable).

Capital on Tap Business Credit Card

Purchases

Variable

Annual fee

None

Rewards

Uncapped free 1% cashback on all card purchases. Redeem as cashback or e-gift cards

Rep APR %

29.9%

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Free, uncapped 1% cashback – earn 1 point for every £1 spent

Credit limits up to £250,000

Up to 56 days interest free on card purchases

Capital on Tap Business Credit Card – Business Rewards

Purchases

Variable

Annual fee

£99

Rewards

Uncapped free 1% cashback on all card purchases. Redeem as Avios, cashback or e-gift cards

Rep APR %

29.9%

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More info

 

Earn points on all card spend – redeem for 1% cashback, Avios or e-gift cards

Credit limits up to £250,000

Up to 56 days interest free on card purchases

Our comparison service features a selection of providers from whom we receive commission. This table is ordered according to our commercial arrangements.

How we've helped others find the perfect company credit card

Finding the right credit card for your business can be a confusing and time consuming process. But here at Compare Switch we’re here to help make it a little easier.
We help you to compare credit cards from leading providers, as well as specific products like business fuel cards and business expense cards.

  • We’re here to help you switch credit cards
  • Or take out a new business credit card
  • Over 100,000 businesses have used our service
  • We help people compare with ease
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Business Credit Cards For Bad Credit

Even if you have poor credit you can still take out a business credit card. However, it’s worth remembering that you may find less credit cards are available to you, as some lenders may not be willing to provide you with a credit card.

This is why it is important that you compare business credit cards in detail before deciding on which card to go for.

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SME Credit Cards

As a small business it’s likely that a credit card is going to be useful for you.

Whether you’re switching from an existing card to make use of better offers and perks, or you’re taking out a credit card for the first time, our comparison service helps you to identify the right card for you.

As an SME there are many reasons you may choose to use a credit card;

  • To manage your cashflow
  • For small day to day expenses
  • Speedy access to funds
  • To speed up your accounting processes

Be sure to consider multiple cards before deciding on which one to go for.

Credit Cards For Start-Ups

If you’re a start-up you may be in need of a bit of a credit, and like other businesses you could take out a credit card to help you do that.

We recommend taking a look through our FAQs and the information on our different products to help you to work out which card is best for you.

Things to think about include;

  • What do you plan on using the card for?
  • What perks might be useful?
  • Do you want a card that offers cashback?
  • What kind of credit limit do you need?

There is no one perfect credit card for a start-up, so make sure you consider things carefully and go with the one that is right for you.

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Compare Business Credit Cards

Here at Compare Switch, we help people find the best business credit card every day. Whether you are an SME or a Start-Up we help you to compare credit cards from a range of lenders so that you can find the perfect credit card for your needs.

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What Types of Business Credit Cards Are Available

There are 3 types of business cards.

Business Credit Cards

A business credit card is used by any type of business to help with day to day expenses and cash flow management.

There are many reasons why a business may choose to use a credit card, one of which is that there are many perks available, such as a percentage of cashback on all spend.

Expense Cards

An expense card is a card that a business is able to take out and give to their employees to make purchases that are necessary as part of their roles.

As expense cards are a type of prepaid card, they do not require a credit check to take out. So they can be great for business with no or poor credit.

Fuel cards

Fuel cards are a specific type of card that a business can choose to use specifically to cover fuel expenses.

These are typically used by businesses in the transport sector, or by businesses who have a large number of employees that cover a lot of road miles as part of their roles.

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How To Compare Business Credit Cards

Comparing business credit cards can be a tough and laborious process, however, we exist to make it that little bit easier for you.

Our listings above outline all the key things you need to know about each provider, things such as APR, any fees, perks available like cashback and any particular terms and conditions you might want to consider.
Our simple process allows you to see all the relevant details and go through to their providers site without putting in any of your details. So you can get in touch with the provider directly and get your account setup in your own time,

Pros & Cons of Business Credit Cards

There are many advantages and disadvantages to using business credit cards, here we’ve outlined a few key areas to think about.

Pros

  • Easily manage your cash flow
  • Make use of additional perks such as cashback
  • Easily manage day to day transactions
  • Separate your work and personal expenses
  • Quick and easy access to credit

Cons

  • Missing repayments can adversely impact your credit rating
  • You may struggle to be accepted with bad credit history
  • Interest rates may be higher than other forms of business credit

What Perks Do Business Credit Cards Offer?

Many company credit card providers offer perks to encourage businesses to use their services over others. Some perks include;

  • Cashback
  • Shopping Discounts
  • Insurance
  • Reward Points
  • 0% Purchases
  • Fee Free Transactions

The exact details vary by provider, so it’s key that you pay close attention when comparing business credit cards on our listings above.

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How Do I Choose The Right Business Credit Card

It can be tough to found the right credit card for you business, but there are a few steps we recommend following;

1. Do Your Research!

Make sure you understand how business credit cards work so you can decide on what you are looking for.

2. Find Your Credit Rating.

The cards you are eligible for will depend on your credit rating, so it’s wise to understand where you stand before starting to search.

3. What Are you Going To Use The Card For?

Think about what you will need to do with the card as some cards are better for specific purposes, for example fuel cards or expense cards may be more suitable.

4. What Perks Are You Interested In?

Some cards offer things like interest free purchases or cashback. Depending on your objectives one may be better than the other.

5. Compare!

We always recommend you use a business credit card comparison tool like ourselves. That way you can see multiple cards in one place and determine which is best for you.
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FAQs On Business Credit Cards

Business Credit Cards are very similar to personal cards. Your provider will issue you with a credit limit on your card which you can then use to make purchases for your business. You will then be issued with a statement and will need to make monthly repayments to reduce or clear your credit balance.

Yes, limited companies are able to take out credit cards from most providers. Compare business credit cards from our providers above.

Yes, many providers have dedicated products aimed at startups, which really helps as it can be tough for a new business to build up a credit rating.

Yes, you can still take out a Business Credit Card with a bad credit rating. However, you may find fewer providers are willing to allow you to take out an account, so it is worth checking their terms and conditions first.

Yes, many credit card providers will allow sole traders to take out an account with them. We always recommend you check their terms and conditions first though!

The process is really simple, with Compare Switch you can compare business credit cards here. You simply pick the best card for you and head over to the suppliers site to fill in their application form.

This will depend entirely on what you want to use the card and credit for. Alternatives you may wish to consider include business loans and invoice finance.

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Compare Switch is a credit broker, not a lender and introduces borrowers and lenders for the purposes of entering into different types of loan agreements, including short-term unsecured & secured loan agreements. Compare Switch does not charge customers a fee for using its broker services, but we do receive a commission from our Partner following an introduction through this website.

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