Business Credit Cards. Without the Fuss.
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 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.
How to Apply for a Business Credit Card in the UK: Documents and Timeline
To apply for a business credit card in the UK, you'll need proof of business identity, director or owner details, Companies House registration (for limited companies), and recent financial information. Most providers give a decision within 24 to 72 hours online, though some specialist cards take longer.
How to Compare Business Credit Cards: APR, Fees, Limits and Rewards
To compare business credit cards effectively, look beyond the headline APR. For most UK businesses, the credit limit, approval speed, fee structure, and spend controls matter more than a fraction of a percentage point on interest.
Business Credit Cards for New Businesses: What UK Startups Need to Know
Business credit cards for new businesses give UK startups a revolving credit line to cover day-to-day spending, supplier payments, and team expenses, separate from personal finances. Approval criteria, credit limits, and costs vary significantly by provider, but some cards are specifically built for businesses with limited trading history.
Business Credit Card Eligibility UK: Requirements and Checks Explained
To qualify for a business credit card in the UK, you typically need to be a registered UK business or self-employed individual, have a UK business bank account, and pass a credit assessment that looks at both your business and personal credit history.
Best Business Credit Cards UK 2026: What to Compare Before You Apply
The best business credit cards for UK companies in 2026 depend on four things: the credit limit you actually need, how fast you can get approved, whether you want cashback or travel rewards, and how much control you need over employee spend.
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.