Business Finance
Compare UK business credit cards by representative APR, annual fees, 0% purchase offers, rewards, employee cards and foreign transaction costs. Eligibility and credit limits are subject to provider approval.
Repayment type matters
Revolving credit, pay-in-full charge cards and Flexible Payment Option cards are compared as distinct products.
Compare total cost
Review APR, annual fees and transaction charges before applying.
Business status matters
Eligibility, credit limits and pricing depend on provider assessment.
Pricing
Always compare representative APR alongside annual fees and transaction charges.
If you always clear the balance in full, annual fees, rewards and foreign transaction fees may matter more than the purchase interest rate.
Some business charge cards do not publish a representative APR. We show their pricing basis separately rather than treating the figures as directly comparable.
A multi-month 0% purchase offer is different from a standard interest-free period (IFP) that applies when you repay in full by the due date. Offers end; a standard purchase rate usually applies afterwards. Minimum repayments and fees can still apply. 0% does not mean the card has no fees or conditions.
Rewards & team spend
Useful features — but only after you understand APR, annual fees and FX costs.
Cashback or points only outweigh costs if you clear balances and the fees fit your spend. Check caps, exclusions and redemption rules.
Additional cards, limits and controls vary by provider. Confirm fees and who is liable for employee spend.
FX fees and cash-withdrawal charges abroad can raise cost materially. Compare the foreign transaction fee before overseas spend.
Cost calculator
Illustrative estimate using your own balance, APR and fee assumptions.
Illustrative repayment exceeds estimated monthly interest. Does not model cash advances separately.
Estimated annual costs
Illustrative only. Credit-card interest and charging methods vary by provider and transaction type. Cash advances and purchases may use different rates.
Liability
Liability depends on the business structure, card agreement and any personal guarantee.
Some cards may make the business liable, while some agreements may also create personal liability for directors or owners. Check the card agreement and any guarantee terms before applying. This is not legal advice.
Suitability
Business credit cards are generally for short-term purchasing flexibility — not long-term funding.
Compare credit
Neither option is universally better — compare structure, cost and how you will use the credit.
| Aspect | Business credit card | Overdraft |
|---|---|---|
| Primary use | Card purchases and expenses | Account cash-flow shortages |
| Access to credit | Revolving card limit | Agreed overdraft limit on current account |
| Repayment | Monthly statement repayments | Balance reduces as money comes in |
| Interest | On unpaid card balances after any IFP | Generally on amount overdrawn |
| Account requirement | Varies by provider | Eligible business current account required |
| Rewards | May offer cashback or points | Usually none |
| Employee spending | Employee cards often supported | Not card-based employee spend |
| Typical use | Day-to-day purchasing | Temporary cash-flow gaps |
Consumer and business credit-card protections may differ. Do not assume personal-card protections apply identically to a business-card transaction.
Before you apply
Check APR, fees, offers and liability — not just rewards.
Alternatives
Other products may suit different funding needs.
Regulation
Regulatory treatment and protections can depend on the card, borrower, agreement and transaction.
Business credit cards should not automatically be treated as having the same protections as personal consumer credit cards. Do not assume every business-card purchase has the same Section 75 protections as a personal consumer credit card. Where product-level applicability is not verified, check provider / agreement terms.
Where relevant, check the exact provider and activity on the FCA Register.
FAQs
Quick answers before comparing providers or applying.
How we compare business credit cards
Commercial relationships do not determine factual provider information or our editorial guidance.
Reference links only — these organisations do not endorse WIT Money.
Found an outdated APR, annual fee, reward offer or card feature?
Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.
Review representative APR, annual fees, rewards and liability carefully — then explore related business finance options.