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Business Finance
Business spending

Business credit cards explained

How business credit cards differ from personal cards — APR, fees, employee cards and what to compare before you apply.

6 min read · Published 26 August 2026 · Last updated 26 August 2026

Written by Teresa Mary, Chief Finance Editor

On this page

  1. 01What business credit cards are for
  2. 02What to compare
  3. 03Frequently asked questions
On this page
  1. 01What business credit cards are for
  2. 02What to compare
  3. 03Frequently asked questions

What business credit cards are for

Business credit cards can help separate business spending, manage cashflow timing and give employees controlled purchasing power. They are revolving credit: interest can apply on balances not repaid in full, unless a promotional offer says otherwise.

What to compare

Look at representative APR, annual fees, foreign transaction charges, rewards or cashback, credit limits, and whether personal guarantees or credit checks apply to directors.

Use [business credit card comparisons](/business-finance/business-credit-cards) to review products side by side — then confirm live terms with the issuer.

Frequently asked questions

Read our editorial standards →

Written by

TM

Teresa Mary

Chief Finance Editor

Teresa leads WiT Money’s financial editorial content, helping ensure guides, comparisons and tools are clear, accurate and useful for UK consumers and businesses.

Last updated 26 August 2026

View Teresa Mary's profile →

Questions or updates

If you spot something that needs correcting or want to contact our editorial team, get in touch.

contact@witfinancegroup.com →

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