Business Credit Card Guides
Business credit cards explained for UK businesses. Compare limits, interest, fees, and rewards before you apply for flexible everyday spending power.
Business credit cards explained
Use these guides to understand how business credit cards work, how limits and interest are set, and how to choose a card that fits your everyday spending.
What to compare before you apply
Credit limit
Limits are usually based on your trading history, turnover, and credit profile, and can range from a few hundred pounds to a much larger facility.
Interest and fees
Compare the representative APR, any annual fee, and how interest is charged if you carry a balance rather than clearing it in full each month.
Rewards and controls
Some cards offer cashback or rewards, and many let you issue employee cards with individual spending limits for better control.
Eligibility and trading history
Providers usually weigh time trading, turnover, and credit profile. Knowing yours up front avoids wasted applications.
Latest guides
Business Credit Card Limits: How Issuers Decide and What to Expect
Business credit card limits in the UK are set by the card issuer based on a combination of your business financials, personal credit history, time trading, and the card product you apply for. First-time applicants typically see limits between £1,000 and £15,000, though established businesses with strong financials can access £50,000 to £250,000 or more.
Business Credit Cards for Limited Companies and LLPs: A UK Guide
Limited companies and LLPs can apply for dedicated business credit cards that sit in the company's name, keep business and personal finances separate, and often carry limits well above what a personal card offers. Approval speed, credit limit size, and spend controls matter more to most UK businesses than the headline APR.
Do Business Credit Cards Get Section 75 Protection? Purchase Protection Explained
Most business credit cards do not get Section 75 protection. Section 75 of the Consumer Credit Act 1974 is a consumer protection law, it covers regulated personal credit agreements, not corporate or business card accounts.
Annual Fee vs No-Annual-Fee Business Credit Cards: Which Costs Less?
For most UK SMEs spending under £2,000 per month on a business card, a no-annual-fee card will cost less overall. Annual fee cards only pay for themselves when your cashback, rewards, or perks exceed the fee, and that usually requires consistent high monthly spend.
Business Credit Cards for Overseas Spending: FX Fees, Rates and Travel Costs
Most UK business credit cards charge a foreign exchange fee of 2.5% to 3% on every overseas transaction, a cost that compounds fast if your team travels regularly or your business buys from international suppliers. A small number of cards on the market charge no FX fee at all, and choosing the right one can save hundreds of pounds per year.
Can You Withdraw Cash on a Business Credit Card? Fees and Interest Explained
Yes, you can withdraw cash on most business credit cards, but it is processed as a cash advance rather than a standard purchase. Cash advances on UK business credit cards typically carry a fee of 2-5% of the amount withdrawn, a higher interest rate than your purchase APR, and interest starts accruing immediately with no grace period.
Business Credit Card APR Explained: Purchase Rates, Fees and Total Cost
Business credit card APR is the annual interest rate applied to any balance you carry past your payment due date. Purchase APR covers everyday spending, but cards also carry separate, and usually higher, rates for cash advances and penalty situations.
How to Increase a Business Credit Card Limit Without Overstretching Cash Flow
To increase a business credit card limit without overstretching cash flow, request an increase when your revenue is demonstrably higher than when you first applied, your utilisation is consistently above 50%, and your payment history is clean.
Interest-Free Business Credit Cards vs Interest-Free Days: What Is the Difference?
Interest-free business credit cards offer a fixed promotional period (typically 3 to 12 months) during which no interest is charged on purchases or balance transfers. Interest-free days, by contrast, are the standard grace period built into most business credit cards, usually up to 56 days, that applies each billing cycle when you clear the full balance.
Business Credit Cards questions
The important details before you check eligibility.
How is a business credit card different from a business loan?
A business credit card gives you a revolving limit for everyday spending, with interest only on what you use. A business loan is usually a fixed lump sum with scheduled repayments.
What credit limit can a business get?
Limits vary by provider and depend on turnover, trading history, and credit profile. Facilities commonly range from a few hundred pounds up to £250,000.
Will applying affect my credit score?
An initial eligibility check is often a soft search that does not affect your score. A full application may involve a hard credit check, so confirm with the provider before you proceed.
Can a limited company and a sole trader both apply?
Yes, though the application and any personal guarantee requirements can differ. Providers assess eligibility based on the business structure and trading history.
Ready when you are
Explore business credit card options
Answer a few questions to see what credit card limits could be available for your business. It only takes about 2 minutes, with no hard credit check to start.