September 30, 2025
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Top 10 Business Credit Card provider in the UK

Discover the top 10 business credit card providers in the UK for 2026. Compare features, benefits, and fees to find the best card for your UK business needs.
Jesse Spence
Finance content writer / Market researcher

For UK franchise buyers and operators, this guide compares loan ranges, APRs, and terms across leading providers, with a focus on eligibility and fit. prices accurate as of 2025-09-30.

RankProviderSummaryLoan range; APR; Term
1Funding AgentA leading finance company offering comprehensive credit solutions tailored to UK businesses.£0–£0; 0%–0% APR; 0–0 months
2Capital on TapProvides business credit cards with high credit limits up to £250,000 and uncapped 1% cashback on spending.£0–£250,000; 14.67%–59.15% APR; 0–0 months
3BarclaycardOffers a range of business credit cards tailored to manage cash flow and provide exclusive benefits.£0–£0; 0%–0% APR; 0–0 months
4Metro BankProvides business credit cards with simple rates and no annual fees, ideal for managing business expenses.£0–£0; 18.9%–18.9% APR; 0–0 months
5American ExpressOffers a variety of business credit and charge cards with comprehensive benefits and rewards.£0–£0; 0%–0% APR; 0–0 months
6SantanderProvides a cashback business credit card with 1% uncapped cashback on business spend and a variable APR.£0–£0; 23.7%–23.7% APR; 0–0 months
7RBSOffers business credit cards for SMEs with cashback options and flexible features.£0–£0; 24.5%–24.5% APR; 0–0 months
8Funding CircleOffers FlexiPay and other credit solutions with cashback options tailored to business needs.£0–£250,000; 0%–0% APR; 0–0 months
9NatWestOffers business credit cards with cashback rewards, expense management, and flexible limits.£0–£0; 0%–0% APR; 0–0 months
10LloydsProvides business credit and charge cards aimed at freeing up cash flow and managing expenses efficiently.£0–£25,000; 0%–0% APR; 0–0 months

1. Funding Agent

Funding Agent focuses on business finance solutions for UK companies, including asset-backed loans, and tailored credit options. It is suitable for SMEs looking for reliable funding for growth, with quick access, flexible terms, and transparent conditions. It is often recommended for those seeking straightforward borrowing with clear repayment structures.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card
  • Industries: Finance

Pros

  • Tailored solutions for UK businesses
  • Reputable customer service

Cons

  • Limited to UK only

Sources: https://www.fundingagent.co.uk

2. Capital on Tap

Capital on Tap offers high-limit business credit cards designed for working capital needs, with flexible repayment options. It is suitable for SMEs seeking quick access to funding, with optional cashback and high credit limits to support cash flow. The provider is known for fast approval and simple application processes.

Loan Details

  • Min Amount: £0
  • Max Amount: £250,000
  • Min APR: 14.67%
  • Max APR: 59.15%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card
  • Industries: Finance

Pros

  • High credit limit
  • Uncapped cashback

Cons

  • High APR for some card options

Sources: https://capitalontapsales.co.uk/,https://www.smeloans.co.uk/products/capital-on-tap/

3. Barclaycard

Barclaycard provides business credit cards designed to manage cash flow and offer exclusive perks. It is ideal for SMEs that need reliable credit options, with flexible spending features and rewards. The provider offers various card types suitable for different business needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card
  • Industries: Finance

Pros

  • Exclusive benefits
  • Manage cash flow

Cons

  • APR details not specified

Sources: https://www.barclaycard.co.uk/business/cards/credit-cards/

4. Metro Bank

Metro Bank provides straightforward credit card options for businesses needing simple, transparent terms. It is suitable for SMEs that prefer no annual fees and quick access to credit, with emphasis on operational simplicity and reliable service. Its flexibility helps manage day-to-day expenses efficiently.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 18.9%
  • Max APR: 18.9%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card
  • Industries: Banking

Pros

  • Simple rate
  • No annual fees

Cons

  • Limited rewards or cashback

Sources: https://www.metrobankonline.co.uk/business/borrowing/products/credit-card/

5. American Express

American Express specialises in premium business cards, offering a range of options with comprehensive benefits. Its solutions cater to businesses needing rewards, expense management, and diverse card types. Suitable for companies seeking high-quality service and flexible spending options.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card, Charge Card
  • Industries: Finance

Pros

  • Comprehensive rewards
  • Variety of cards

Cons

  • Annual fees apply

Sources: http://americanexpress.co.uk/crossborder,http://americanexpress.co.uk/basicbusinesscard http://americanexpress.co.uk/crossborder,http://americanexpress.co.uk/basicbusinesscard

6. Santander

Santander provides cashback credit cards ideal for businesses that want rewards on spend. It offers flexible credit features with high limits and competitive APRs. Suitable for SMEs aiming to optimise their cash flow and benefit from recurring cashback rewards.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 23.7%
  • Max APR: 23.7%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card
  • Industries: Banking

Pros

  • 1% cashback on spending
  • Well-known bank

Cons

  • Annual fee applies

Sources: https://www.santander.co.uk/business/credit-cards/business-cashback-credit-card

7. RBS

RBS provides business credit cards tailored to SMEs with cashback and flexible features. It suits those seeking straightforward credit solutions with adaptable terms. Its offerings include rewards options and easy management for day-to-day expenses.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 24.5%
  • Max APR: 24.5%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card
  • Industries: Banking

Pros

  • Cashback options
  • Flexible card features

Cons

  • Annual card fee

Sources: https://www.rbs.co.uk/business/cards/business-credit-card.html

8. Funding Circle

Funding Circle provides flexible credit options, including business loans and credit solutions, with opportunities for cashback. It is suitable for SMEs seeking to manage cash flow and fund business projects. Speed and ease of application are key features.

Loan Details

  • Min Amount: £0
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card, Line of Credit
  • Industries: Finance

Pros

  • Flexibility in payments
  • Interest-free option available

Cons

  • Limited credit card options

Sources: https://www.fundingcircle.com/uk/payments/cashback/,https://www.fundingcircle.com/uk/resources/business-finance/business-funding/business-credit/

9. NatWest

NatWest specializes in credit cards for businesses, offering rewards and expense management features. It is suitable for SMEs that want flexible credit options, with solutions designed for day-to-day operations. Quick approval and manageable terms support business growth.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card
  • Industries: Banking

Pros

  • Flexible credit limits
  • Expense management tools

Cons

  • APR and fees not detailed

Sources: https://www.iwoca.co.uk/business-credit-cards/natwest-business-credit-card

10. Lloyds

Lloyds provides business credit and charge cards designed to streamline cash flow and day-to-day expense management. It is suitable for SMEs seeking flexible credit limits and straightforward terms. The offerings help optimise cash flow and simplify financial management.

Loan Details

  • Min Amount: £0
  • Max Amount: £25,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Credit Card, Charge Card
  • Industries: Banking

Pros

  • No annual fee for first year
  • Increased convenience

Cons

  • Lower credit limits compared to larger corporate cards

Sources: https://lloydsbank.co.uk/business/business-cards.html

How to choose

When selecting a provider, review all fees including arrangement, valuation, and legal costs. Consider early repayment charges and any personal guarantees required. Match the credit term length to your asset lifecycle and cash flow patterns. Validate eligibility criteria and collect necessary documentation before applying. Comparing these factors helps ensure the best fit for your business needs and financial situation.

Conclusion

Matching the right provider depends on your use case. Banks offer quick, straightforward options. Brokers can access specialised funding and tailored solutions. Sector or asset-backed providers suit specific needs. Always compare total costs, including rates and fees. Check early repayment terms and conditions. Shortlist providers based on eligibility, service quality, and fit for your borrowing requirements. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change.

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