Business Credit Cards | Business Banking

Our Business Cashback Credit Card comes with

1% cashback on all business spend with no cap (T&Cs apply)

No foreign transaction fees on purchases abroad when paying in the local currency

Additional cards available at no extra cost to your £30 annual account fee

Control the amount each additional cardholder can spend

No interest charged if balance paid off in full and on time each month

Eligibility

You're either a sole trader or your business is a partnership, limited liability partnership or private limited company with no more than 2 partners, members or directors (who between them own the entire shareholding)
You have an existing 1|2|3 Business Current Account or Business Current Account
You and all other partners, members, directors or shareholders are aged 18 or over and UK resident
Your business is based/registered in the UK
Your business doesn't already have a Business Cashback Credit Card
All credit is subject to status and credit checks
You must use the Business Cashback Credit Card for business use only

Representative example

Representative 23.7% APR (variable)
Based on £1,200 credit limit
Purchase rate 18.9% p.a. (variable)
Annual fee £30

Your actual credit limit will be confirmed if you’re accepted for the card

Account information

The annual fee

We charge a £30 annual fee. This will be added to your card as soon as you activate it. Each year, we will add the fee in the same month you took the card out (this may be different to the month you activated the card). As we don't charge per card, you can also add a card for an employee at no additional cost.

Receiving your cashback

We'll pay the total cashback you earn each month onto your Business Cashback Credit Card and you'll see it on your monthly statement. Read the full cashback terms

No foreign transaction fees on purchases abroad

Use your Business Cashback Credit Card abroad and you won't be charged any non-sterling transaction fees on purchases when paying in the local currency. We'll convert the foreign currency using the exchange rate set by Mastercard and won't charge a foreign transaction fee (also known as a non-sterling transaction fee).

If you use the Business Cashback Credit Card abroad, you won't be charged any non-sterling transaction fees on purchases when paying in the local currency. We'll convert the foreign currency using the exchange rate set by Mastercard. We won't charge a foreign transaction fee (also known as a non-sterling transaction fee).

What you also get

Up to 3 additional cardholders. All the directors/owners and partners must have a card. We can issue a maximum of 4 cards. For example if your business has 2 directors who must have cards, you can have 2 additional cards for other members of staff. You’ll be able to control the amount each cardholder spends by setting monthly spend limits if you’d like to.

You will be responsible for the use of and payments on the additional cards.

Minimum repayments

You must make at least the minimum repayment each month.

Paying your Business Cashback Credit Card

The Business Cashback Credit Card is for business expenses only. So payments shouldn’t be made from personal bank accounts or personal savings. This is unless you’re a sole trader and don’t have a separate business account.

Interest rates

Purchases: you'll pay 18.9% p.a
Cash transactions: you'll pay 27.9% p.a and a 3% fee (minimum £3) for each transaction
You can see a useful summary of all the interest rates in the Summary Box (PDF - 796 KB)

Up to 56 days interest-free credit on purchases when you pay your balance in full and on time each month.

Everything you need to know before you apply

We recommend reading the information in the documents below before you apply. You may want to save or print them so you can refer to them in the future.

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Ways to bank with us

Secure, 24/7 banking. Make payments, view transactions and much more.

Online Banking
Mobile Banking
Contactless: make quick and easy purchases whenever you see the contactless indicator.
Call us on 0330 678 1783. You can check your balance, find out when your next payment is due and more.

Account alerts

We'll send you alerts when you're near your credit limit. This can help you avoid fees and to make you aware of certain activity on your account. You can manage your alert settings through Online Banking or by calling us on 0330 678 1783.