Top 10 Business Credit Card provider in the UK
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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.
| Rank | Provider | Summary | Loan range; APR; Term |
|---|---|---|---|
| 1 | Funding Agent | A leading finance company offering comprehensive credit solutions tailored to UK businesses. | £0–£0; 0%–0% APR; 0–0 months |
| 2 | Capital on Tap | Provides 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 |
| 3 | Barclaycard | Offers a range of business credit cards tailored to manage cash flow and provide exclusive benefits. | £0–£0; 0%–0% APR; 0–0 months |
| 4 | Metro Bank | Provides 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 |
| 5 | American Express | Offers a variety of business credit and charge cards with comprehensive benefits and rewards. | £0–£0; 0%–0% APR; 0–0 months |
| 6 | Santander | Provides 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 |
| 7 | RBS | Offers business credit cards for SMEs with cashback options and flexible features. | £0–£0; 24.5%–24.5% APR; 0–0 months |
| 8 | Funding Circle | Offers FlexiPay and other credit solutions with cashback options tailored to business needs. | £0–£250,000; 0%–0% APR; 0–0 months |
| 9 | NatWest | Offers business credit cards with cashback rewards, expense management, and flexible limits. | £0–£0; 0%–0% APR; 0–0 months |
| 10 | Lloyds | Provides 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.
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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.
FAQs
A business credit card is a payment card designed for business expenses. It helps manage cash flow, track spending, and build business credit.
Consider factors like interest rates, fees, rewards, cashback offers, credit limits, and additional business benefits when choosing the best card.
It can be more difficult, but some UK providers offer business credit cards for those with poor credit. It’s best to check individual provider requirements.
Yes, some cards charge annual fees, transaction fees, and interest on unpaid balances. Make sure to review the fee structure before applying.
Yes, using a business credit card responsibly by paying on time and managing debt can help build and improve your business credit score.
Many cards offer cashback, travel points, discounts on office supplies, or other perks tailored to business spending.
