Welcome to our blog post on the top 10 best business credit cards in the UK! Whether you’re a small business owner or an established entrepreneur, having the right credit card can make all the difference. From cashback rewards to flexible spending limits, these cards offer a range of benefits tailored specifically for businesses. In this article, we’ll dive into each card’s features and advantages so you can choose the one that suits your needs best. So let’s get started and find out which business credit card reigns supreme in the UK!
Top 10 Best Business Credit Cards in the UK
1. Capital On Tap Business Credit Card
The Capital On Tap Business Credit Card is a top contender in the UK business credit card market. With its competitive features and benefits, it’s no wonder why many entrepreneurs are choosing this card for their businesses.
One of the standout features of the Capital On Tap Business Credit Card is its easy application process. The days of filling out extensive paperwork and waiting weeks for approval are over. With Capital On Tap, you can apply online within minutes and receive a decision instantly.
Once approved, you’ll enjoy a generous credit limit that suits your business needs. Whether you’re looking to make large purchases or need extra funds for day-to-day expenses, this card has got you covered.
But it doesn’t stop there – the rewards program offered by Capital On Tap is truly enticing. Every pound spent on eligible purchases earns you points that can be redeemed for cashback or airline miles. This means that you get something back in return every time you use your card.
Additionally, with no foreign transaction fees, this card is perfect for businesses to get business loans and other benefits with international transactions. Say goodbye to hidden fees eating into your profits – with Capital On Tap, what you see is what you get.
Website: https://www.capitalontap.com/en/business-credit-cards/
2. Soldo Prepaid Business Credit Card
Soldo Prepaid Business Credit Card is a fantastic option for small businesses in the UK. Its prepaid feature allows business owners to have better control over their expenses and stay within their budget. This card offers flexibility and convenience, making it an ideal choice for entrepreneurs.
One of the key benefits of the Soldo Prepaid Business Credit Card is that it can be easily managed through a user-friendly mobile app. You can track your spending in real time, set limits on individual cards for employees, and even freeze or unfreeze cards instantly if needed. This level of control ensures that you are always aware of your business expenses.
Another great feature of this card is its ability to integrate with popular accounting software such as Xero and QuickBooks. This makes financial management seamless and reduces the time spent on manual data entry.
The Soldo Prepaid Business Credit Card also offers competitive foreign exchange rates, which can be a significant advantage if your business involves international transactions or travel.
The Soldo Prepaid Business Credit Card provides small businesses with an efficient way to manage their finances while maintaining control over expenses. Its user-friendly features make it a top choice among entrepreneurs looking for simplicity and convenience in managing their business finances without compromising on functionality.
Website: https://www.soldo.com/en-gb/prepaid-card/prepaid-business-cards/
3. American Express Platinum Business Card
The American Express Platinum Business Card is a top contender when it comes to business credit cards in the UK. With its prestigious reputation and extensive range of benefits, it’s no wonder why many businesses opt for this card.
One of the standout features of the American Express Platinum Business Card is its impressive rewards program. Cardholders can earn Membership Rewards points on every pound spent, which can be redeemed for a variety of valuable rewards such as travel, gift vouchers, and even statement credits.
In addition to the rewards program, this card offers various other perks tailored specifically for business owners. These include complimentary airport lounge access, travel insurance coverage, dedicated customer service support, and access to exclusive events and experiences.
Furthermore, with its high spending limit and flexible payment options, the American Express Platinum Business Card provides businesses with the financial flexibility they need to manage their expenses effectively.
Website: https://www.americanexpress.com/en-gb/business/charge-cards/platinum-business-card/
4. Metro Bank Business Credit Card
Metro Bank Business Credit Card is a top choice for UK businesses looking for a reliable and flexible credit card solution. With its attractive features and benefits, this card stands out among the competition.
One of the key advantages of the Metro Bank Business Credit Card is its tailored rewards program. Businesses can earn cashback on their everyday spending, helping to offset expenses and boost their bottom line. Whether you’re purchasing office supplies or paying for business travel, every pound spent can help you save.
Another standout feature is the card’s competitive interest rates. With low APRs and no annual fees, businesses can keep costs down while enjoying access to credit when needed. This allows companies to manage their finances more effectively without worrying about hefty charges eating into profits.
In addition, Metro Bank offers exceptional customer service that goes above and beyond expectations. Their dedicated support team is available 24/7 to assist with any queries or concerns, ensuring that business owners have peace of mind knowing help is just a phone call away.
The Metro Bank Business Credit Card proves itself an excellent option for UK businesses seeking a dependable credit card solution with attractive rewards programs, competitive rates, outstanding customer service, and convenient online account management tools. It’s definitely worth considering when searching for the best business credit cards in the market today!
Website: https://www.metrobankonline.co.uk/business/borrowing/products/credit-card/
5. Barclaycard Select Cashback Credit Card
Barclaycard Select Cashback Credit Card is one of the top choices for businesses in the UK looking to save money on their purchases. With this card, you have the opportunity to earn cashback on your everyday business expenses. It offers a generous 0.5% cashback on all eligible transactions, which can quickly add up and contribute to your bottom line.
This credit card’s flexibility is one of its most notable qualities. You can use it online and offline, making it convenient for all business transactions. Plus, contactless payment capabilities allow you to make swift payments without hassle or delay.
Another benefit worth mentioning is that Barclaycard provides comprehensive fraud protection measures to ensure that your financial information remains secure at all times. This gives you peace of mind when using your credit card for essential business purchases.
Website: https://www.barclaycard.co.uk/business/cards/credit-cards/select-cashback
6. RBS Business Plus Credit Card
RBS Business Plus Credit Card offers a range of features and benefits that make it an attractive option for businesses in the UK. With this card, you can enjoy up to 56 days of interest-free credit on purchases, giving you more flexibility in managing your cash flow. Additionally, it comes with contactless payment technology, making transactions quick and convenient.
One of the standout features of the RBS Business Plus Credit Card is its competitive APR (Annual Percentage Rate). The lower APR means that you won’t be hit with excessively high interest charges if you need to carry a balance on your card.
Another advantage of this card is its online banking platform, which provides easy access to manage your account and monitor your spending. You can also set up alerts and notifications to help keep track of your expenses.
The RBS Business Plus Credit Card also offers additional cards for employees or business partners. This feature allows you to delegate spending power while maintaining control over the overall account.
The RBS Business Plus Credit Card is a solid choice for businesses looking for a reliable credit card with competitive rates and useful features. Whether you need it for day-to-day expenses or larger purchases, this card can help support your financial needs efficiently.
Website: https://www.rbs.co.uk/business/cards/business-plus-credit-card.html
7. Clydesdale Bank Business Credit Card
The Clydesdale Bank Business Credit Card offers a range of features and benefits for small businesses in the UK. With this card, you can enjoy competitive interest rates and flexible repayment options to suit your business needs.
One of the key advantages of the Clydesdale Bank Business Credit Card is its rewards program. You can earn points on every pound spent, which can be redeemed for a variety of rewards such as travel vouchers or cashback.
In addition, this credit card provides comprehensive travel insurance coverage, making it an ideal choice for business owners who frequently travel for work. The insurance includes coverage for medical emergencies, trip cancellations, baggage loss or delay, and much more.
Another great feature of this credit card is its online banking platform. It allows you to manage your account easily and conveniently from anywhere at any time. You can view your transaction history, set up alerts for payment due dates or suspicious activity, and even make secure online payments.
Website: https://secure.cbonline.co.uk/business/our-products/loans-and-finance/business-card/
8. Lloyds Business Credit Card
Lloyds Business Credit Card is a popular choice among small businesses in the UK. Its competitive rates and flexible repayment options offer great value for business owners looking to manage their expenses effectively.
One of the key features of Lloyds Business Credit Card is its rewards program. By using your card for everyday business purchases, you can earn cashback or reward points that can be redeemed for various benefits such as travel vouchers or discounts on office supplies.
In addition, Lloyds Business Credit Card offers valuable expense management tools. These tools allow you to track and categorize your business expenses, making it easier to monitor your spending habits and stay within budget.
Another advantage of this credit card is its online banking platform. With 24/7 access to your account, you can easily view transactions, make payments, and manage your finances at any time from anywhere.
Website: https://www.lloydsbank.com/business/business-cards.html
9. American Express Business Basic Card
The American Express Business Basic Card is highly regarded as one of the top choices for small businesses in the UK. Here’s why it stands out among the best business cards:
With its Membership Rewards points, the Business Basic Card allows you to earn 1 point for every eligible pound spent. The flexibility of redemption options, including travel, merchandise, and gift cards, makes it desirable for businesses looking to maximize their rewards.
The absence of an annual fee is a major advantage for small businesses looking to save on expenses. This feature alone can make the American Express Business Basic Card a cost-effective choice for budget-conscious entrepreneurs.
American Express provides comprehensive expense management tools that empower business owners to track and categorize expenses efficiently. These tools offer insights into spending patterns, helping businesses streamline their financial operations.
The ability to issue employee cards linked to the main account sets the American Express Business Basic Card apart. Business owners can assign individual spending limits to each card, ensuring greater control over expenses while still earning rewards on their employees’ purchases.
The card offers purchase protection, safeguarding eligible purchases against accidental damage or theft for up to 90 days from the date of purchase. Additionally, eligible items may also receive an extended warranty of up to one year, providing peace of mind and added value for business purchases.
Website: https://www.americanexpress.com/en-gb/business/charge-cards/basic-business-card/
10. Cashplus Business Credit Card
The Cashplus Business Credit Card is a popular choice for small businesses in the UK. Its straightforward application process and flexible credit limit provide a convenient solution for managing business expenses.
One of the key features of the Cashplus Business Credit Card is its ability to help business owners separate their personal and business finances. This can make accounting and tax preparations much easier, as all transactions are clearly marked as business-related.
In addition to this, the card offers instant online decisions on applications, making it ideal for those who need access to credit quickly. The card also comes with an easy-to-use mobile app that allows users to track their spending and manage their accounts on the go.
The Cashplus Business Credit Card offers convenience, flexibility, and peace of mind for small businesses in need of a reliable financial tool. Its user-friendly features and wide acceptance make it a top choice among entrepreneurs looking to streamline their operations.
Website: https://www.cashplus.com/business-credit-card/
Conclusion
We hope this article has helped you to understand the best business credit cards available in the UK. All of these cards offer different benefits, so be sure to read up on each before deciding. Whether it’s for business or pleasure, having access to the right credit card can save you time and money down the line! So make sure you do your research and pick the perfect card for your needs.
FAQ – Top 10 Best Business Credit Cards in the UK
What is the most accepted credit card in the UK?
When it comes to credit cards in the UK, there’s one that stands out as the most accepted – Visa. With its widespread acceptance in over 200 countries and territories worldwide, including the UK, it’s no wonder that Visa is a popular choice for businesses.
Visa offers a range of business credit card options with various benefits and rewards tailored to suit different needs. From cashback on purchases to travel perks and exclusive discounts, these cards provide flexibility and convenience for business owners.
Another widely accepted credit card in the UK is Mastercard. Like Visa, Mastercard has global acceptance and offers a variety of business credit card options. Whether you’re looking for low-interest rates or generous rewards programs, Mastercard has something for every type of business.
While both Visa and Mastercard are widely accepted in the UK, choosing a credit card that aligns with your business needs is important. Consider factors such as annual fees, interest rates, rewards programs, and any additional perks or benefits that may be relevant to your industry.
What card is good for small business?
When it comes to finding the best credit card for your small business, there are several factors to consider. One of the top options is the Capital On Tap Business Credit Card. It offers a straightforward application process and flexible credit limits, making it ideal for small businesses needing quick funds access.
Another great option is the Soldo Prepaid Business Credit Card. This card allows you to easily manage employee spending and expenses by providing each team member with their own prepaid card. You can set individual spending limits and track transactions in real time, making it a convenient choice for small businesses with multiple employees.
What are 5 qualities of a good business card?
When it comes to business cards, they are often the first impression someone gets of your business. So, it’s essential to have a card that stands out and represents your brand effectively. Here are five qualities that make a good business card:
- Professional Design: A visually appealing design is crucial for grabbing attention and leaving a lasting impression. Opt for clean lines, high-quality images or logos, and choose fonts that are easy to read.
- Contact Information: Ensure all relevant contact details like phone number, email address, website URL, and social media handles are clearly visible on the card.
- Unique Branding: Your business card should reflect your brand identity accurately. Incorporate elements like your logo or tagline that encapsulate what sets your company apart from others in your industry.
- Cardstock Quality: Invest in sturdy cardstock material that feels substantial when held by someone else’s hand. This gives an immediate sense of professionalism and credibility.
- Functionality: Consider adding useful information on the back of the card, such as a QR code linking to more details about your services or products or any special offers you may have at the moment.
Remember, these qualities can help ensure that when people receive your business card, they will see it as a representation of who you are and how seriously you take your work!
What are the 3 benefits of having a business card?
The 3 benefits of having a business card are,
- Professionalism: One of the key benefits of having a business card is that it adds a touch of professionalism to your interactions. Instead of fumbling for a pen and paper or trying to remember your contact details, you can simply hand over your well-designed business card. It shows that you take your business seriously and are prepared for any networking opportunity.
- Networking Opportunities: Business cards are an essential tool for networking. They provide a convenient way to exchange information with potential clients, partners, or investors at conferences, meetings, or other professional events. By handing out your business card, you increase the chances of making valuable connections that could benefit your business in the long run.
- Branding and Marketing: A thoughtfully designed business card serves as a mini billboard for your brand. It allows you to showcase your logo, tagline, and corporate colours in a compact format. With creative design elements and high-quality printing materials, your business card can leave a lasting impression on recipients even after they have left the meeting or event.
