Compare the Best Business Credit Cards in the UK
Earn cashback on every purchase, enjoy zero annual fees, and get credit limits up to £250,000. We've reviewed the top business credit cards so you can choose the right one.
Capital on Tap Business Credit Card
Capital on Tap offers a business credit card with unlimited 1% cashback on all spending, credit limits up to £250,000, and no annual, FX, or ATM fees. Trusted by over 200,000 businesses, you can apply and get a decision in just 2 minutes. Redeem rewards as cash, Avios, Virgin Points, or gift cards.
Key Benefits
- Unlimited 1% cashback on all card spending — redeem as cash, Avios, Virgin Points, or gift cards
- Credit limits up to £250,000 with rates as low as 13.86% APR (variable)
- No annual fee, no foreign exchange fees, and no ATM withdrawal charges
- Apply online and get a decision in just 2 minutes
- Free additional company cards with individual spending limits for your team
- Auto-sync with Sage, Xero, QuickBooks, FreeAgent, and more
- Rated 'Excellent' on Trustpilot with 4.7/5 from 17,000+ reviews
Things to Consider
- Only available to UK limited companies and LLPs — sole traders cannot apply
- Higher APR than some traditional bank cards if you carry a balance month-to-month
Funding Circle Cashback Card
The Funding Circle Cashback Card offers 2% cashback for the first 6 months (up to £2,000), then 1% uncapped cashback on everything you spend after that. With credit limits up to £250,000, no annual fees, no foreign exchange fees, and up to 42 days interest-free — it's built for businesses that want to earn while they spend.
Key Benefits
- 2% cashback for the first 6 months (up to £2,000), then 1% uncapped cashback on all spending
- Credit limits up to £250,000 — apply without affecting your credit score
- No annual fees, no monthly fees, and zero foreign exchange fees on international spend
- Up to 42 days interest-free credit on purchases — pay in full or choose part-payments
- Securely sync with Sage, Xero, or FreeAgent accounting software
- Use anywhere Visa is accepted, online or in store, worldwide
- Rated 'Excellent' on Trustpilot with 16,700+ reviews
Things to Consider
- Only available to UK limited companies — sole traders and partnerships are not eligible
- Representative APR of 34.9% (variable) — interest rates start from 14.9% per year if you carry a balance
Looking for a Specific Type of Business Credit Card?
In-depth guides to the best UK business credit cards for specific use cases.