Business credit cards
Flexible short-term spending power for day-to-day costs and supplier payments.
- How much
- £1,000 – £100,000 credit limits
- Typical terms
- Revolving, no fixed end date
- How fast
- Timings depend on the lender, the amount and the checks needed. We'll give you a realistic timeline.
Indicative only. Subject to lender assessment and approval. How we're paid: our service is free to your business; we receive a commission or finder's fee for arranging finance. Broker Terms
Business credit card calculator
Spread over
Monthly instalment
£1,731.67 – £1,765.00
- Fixed fee
- £390.00 – £590.00
- Total to repay
- £10,390.00 – £10,590.00
- Pay in full each month
- No fee
Credit limits from £1,000 to £250,000, subject to status. Pay in full each month for no fee, or spread a purchase over 3, 6, 9, 12 months for one fixed fee of 3.9%–5.9% depending on assessment. No annual or set-up fee. Usually needs 2 years' trading.
Illustrative only. Indicative only. Subject to lender assessment and approval.
What it is
A revolving credit limit your team can spend against, repaid monthly in full or in part.
Useful for subscriptions, travel, fuel and supplier payments where control and visibility matter.
Some cards offer cashback or expense tools, and many issue multiple employee cards.
Who it suits
- Limited companies with recurring operating costs to spread across the month.
- Teams that need spending controls and clean expense records.
- Businesses wanting a small buffer alongside a larger facility.
What you need
To get started
- An active limited company and a business bank account
- Director details for identity checks
- Recent bank statements for larger limits
Pros
- Quick to set up and simple to manage
- Interest-free period when balances are cleared each month
- Clear spend visibility across the team
Watch-outs
- Carrying a balance can be expensive
- Limits are smaller than a loan or advance
- Cash withdrawals usually attract extra charges
FAQ
Business credit card, explained.
Check your business credit card options in minutes.
Start with your company name. No credit check, no obligation, and a named relationship manager if you want to talk it through.
UK limited companies and LLPs. Indicative only. Subject to lender assessment and approval.