Business Credit Cards

Keeping personal finance separate from business expenses is made easy through the use of Business Credit Cards. A company can issue Business Credit Cards to employees to be used on company business expenses and benefit from an accurate record of all transactions. Read more...>

Product Name	Balance Transfer Intro	Purchases Intro	Representative APR (variable)	Rewards

Barclaycard Commercial Mastercard Gold
n/a
0%
3 mths
21.7%
APR
Services and discounts from a range of suppliers

0% interest on purchases for 3 months (from date of account opening)
Up to 56 days interest-free credit when you pay off your balance in full and on time each month
Option to carry your balance over from one month to the next

Barclaycard Commercial Mastercard Gold application

Capital One Business
n/a
n/a
16.9%
APR
Cashback

Earn 5% cashback for the first 3 months (max £100); up to 1.25% unlimited thereafter
Free fraud and Identity Theft Assistance
Excellent credit rating required

Amex British Airways
n/a
n/a
19.9%
APR
Avios

Excellent credit rating required + min household income £30,000
Earn 1 Avios for virtually every £1 you spend
Earn 9,000 Avios when you spend £1000 in your first 3 months of Card membership

Representative Example: 19.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Amex British Airways Premium Plus
n/a
n/a
50.1%
APR
Avios

1.5 Avios for virtually every £1 you spend
Earn 18,000 Avios when you spend £3,000 in the first 3 months
Excellent credit rating required

Representative Example: 50.1% APR variable. Based on £150 annual fee, assumed borrowing of £1200, rate of interest (variable) annual 19.9% / 1.53% per month

Amex British Airways Premium Plus application

Flexible Business Credit Cards

For the employees, it is a system that prevents them from having to use their own money for work expenses which they later have to claim back. Paying for anything from hotel accommodation to office supplies on the Business Credit Card makes for easier accounting.

When a company chooses a provider for its credit cards it will be able to specify how many individual cards it needs. All of these cards will then be branded and separately accountable.

Because a company Managing Director may need a higher credit limit than another member of staff, each card will be set with its own credit limit which then acts as a budgetary constraint.

In terms of expected credit card benefits, Business Credit Cards generally offer many of the advantages seen in other cards.

Reward schemes that allow users to accumulate points are often popular with Business Credit Card users. As travel is a major element in Business Credit Card use, many of the benefits reflect this, for example air miles and travel insurance.

Top Tips for Business Credit Cards

Credit Card issuers are always keen to attract Business users so compare the incentives on offer
Check whether there are any fees associated with the Business Credit Card such as an annual fee
Try to get a Business Credit Card provider who will match your accounting model in terms of statements and requirements

Money

Insurance

Utilities
- Gas & Electric
- Broadband

Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.