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We’re business credit card experts. This means we know our stuff when it comes to helping our customers find the right card for them. We know where the best deals are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

As a comparison website and credit broker we’re not tied to one credit card provider. This means we can search the wider market to find you the best business credit card deals from across the UK.

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Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.

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With the help of our approved partners we will search the market to find you the best credit card deals. Our credit card comparison service will save you time and money and ensure you're getting the right type of business credit card you need.

 

Check Your Eligibility for a UK Business Credit Card with Lending Expert!

If you are looking for a business credit card to manage your cash flow and organise your staff expenses, Lending Expert has partnered with a number of leading brands in the UK to help you compare and make the best choice for your business.

Business credit cards, also known as corporate or company credit cards, allow you to borrow money on credit for business purposes only. This can be an effective way to separate your personal and business expenses, whilst also getting access to rewards and cash back.

Some cards may have no annual fee and others may charge £30 per month. Interest rates are similar to regular credit cards, but can be interest-free if you pay in full on-time each month. Plus, you can distribute them to multiple staff members for daily expenses and track their spending too.

Use our comparison table provided and simply click on ‘Check My Eligibility’ to get started!

 

Key Features

  • Get credit cards for your UK based business and employees
  • Multiple cards available for you and staff members
  • Keep track of expenses and business purchases
  • Monthly rates are around £25 to £30 – and some with no annual fee
  • Interest rates range from 9.9% to 24.9% – but can be interest-free if paid off on time
  • Bonuses, rewards and cashback available

 

business credit cards

 

What Should I Compare?

To find the best business credit card for you, you can compare features including:

  • Rates charged
  • Monthly fees
  • Interest-free periods
  • Maximum credit limit
  • Cashback and rewards

 

Why Should I Get a Company Credit Card?

Separate business and personal – If you are running a business and making daily purchases and expenses for things like travel, office supplies, rent, stock and more – you should ideally have this separate from your business and personal account.

By separating the two, you are able to organise your accounts and taxes far more effectively, whilst keeping better track of your company’s expenses.

Give cards to your staff –  You can offer cards to different staff members who might be travelling by car, train or plane and need to cover their expenses – whilst monitoring their expenditure. This can avoid employees using their own money or credit cards for purchases – avoiding a lot of admin and having to make reimbursements again and again.

Large purchases or day-to-day spending – You may also want to use a corporate credit card to help spread your daily or large purchases. From office supplies, teas, coffees, advertising or inventory – a card allows you to spread payment for at least 30 days or you can make minimum payments if you need more time.

Get rewards and bonuses – You can also get rewards and other bonuses, including cashback, free travel insurance, discounts from stores, air miles and nectar points.

 

 

Who Can You Offer Business Credit Cards For?

Our partners can offer company credit cards for:

  • Self employed
  • SMEs
  • Startups
  • Sole traders
  • Freelancers
  • Contractors
  • Large organisations
  • New ventures
  • Large purchases

 

Am I Eligible for a Business Credit Card?

The average business credit card provider may require you to be trading for at least 2 days and have a certain minimum or maximum turnover to be eligible.

However, each provider is different and may be able to accommodate you depending on the level or stage of your business, including startups.

You will need to be UK based and a limited UK company.

The amount you can borrow and your credit limit may also depend on other factors such as your company income, credit history and nature of your business.

 

How Much Does a Business Credit Card Cost?

A business credit card is made up of monthly or annual fees and monthly interest.

The rates vary between providers, with some having zero annual fees and others charging around £25 to £30 per month, although these are likely to come with rewards and benefits.

In terms of monthly interest, this ranges from 9.9% to 24.9% APR on the basis that you do not pay on time or defer payment (including making minimum payments). If you pay on time each month, you should be able to use your business credit card interest free.

 

Do You Compare Business Credit Cards with Rewards?

Yes, one of the benefits of a business credit card is that you can get rewards when you spend. This might be avios, air miles, nectar points, free travel insurance or cashback.

With Capital on Tap, you get 1 point for every £1 you spend and this can be redeemed into Avios or cashback.

Credit cards with rewards do usually require a monthly or annual fee – so it is worth considering this if you are going to be spending regularly and can enjoy the rewards too.

 

Can I Get a Business Credit Card with Cashback?

Yes, business credit cards that offer cashback are very common and popular for people who are making regular purchases for their business. This means that for every 1p or £1 you spend, you could get money back into your account known as ‘cashback.’

Cashback is usually small amounts such as 1% or 3% but when you are buying a lot for your business or making purchases of thousands of pounds, this can really add up.

 

Can I Get a Business Credit Card with Bad Credit?

Yes, it is possible to get a company credit card with bad credit, although you may need to demonstrate other trust factors such as having a business that is profitable, more than two years old and has a stable cash flow.

Your personal credit score is not always taken into account when applying for a business product, since some providers may look at the business and its own credit history, rather than yours individually.

If you are eligible for a business credit card for poor credit, you may simply have to pay a higher interest rate if you default or be given a lower credit limit.

 

What Credit Limit Can I Get For My Business?

Your credit limit can vary depending on the size, income and profitability of your company. Our partner, Capital on Tap, can offer a credit limit of up to £50,000 depending on the factors mentioned, but this could be much higher from other partners and banks depending on company turnover and credit history.

Whilst some providers may start you on a lower credit limit such as £1,000, £5,000 or £10,000, this can increase once you get into the habit of making regular payments on time and can prove your affordability. You can always ask the provider to increase your credit limit or they might recommend an increase for you.

 

Why Use Lending Expert to Find a Business Credit Card?

As an impartial price comparison service, we are passionate about helping businesses and individuals find the right credit for them. We understand that between personal loans and business credit cards, these can be life-changing products that can help you grow your business or improve your quality of life.

We offer a completely free comparison service and are constantly looking to add new partners to help you find the best deals and have the best choices available at your disposal.

You can check your eligibility for a company credit card today. Simply click on the button provided, enter a few details and you can get a quote on the same day!

FAQ's

What Happens if I Cannot Repay on Time?

Like any other credit card, if you cannot repay on time, you will be charged the interest rate presented to you and this could impact your credit score. You will also have the option to make a minimum payment and you can speak to the provider about a payment holiday.

Can I Withdraw Money From My Business Credit Card?

Yes, you can withdraw money from an ATM or cash machine with your business credit card. There may be a charge or fee that is applied depending on the card provider.

Can I Get a Business Credit Cards With a £10,000, £20,000 or £30,000 Limit?

Yes, you can apply for whatever credit limit that suits you and you will be given one based on your company's income, turnover, profitability and credit status. You can always apply for a higher limit once you have successfully made a number of repayments on time.

Do I Get an Overdraft with a Company Credit Card?

Yes, some business credit cards may offer an overdraft facility and there will be a charge every time you use this. This is only some providers, not all. Plus, you may be granted this privilege or your may not. You will need check the terms and rates of the card provider you choose.

I have a start-up business can I still apply for a credit card?

Yes, if you are a start up business then you can apply for our business credit card. Cards are also available for small business and sole traders. Simply check your eligibility above.

Can I get cash back on my spending?

Yes, the Capital On Tap credit card offers cashback rewards for a small annual fee. Here you can get cashback for every pound you spend.

Can I get a business card as a sole trader?

Yes, you can apply for a business credit card as a sole trader here on Lending Expert. However you may be more difficult to get accepted. Simply check your eligibility above to learn more.

What can I use a business credit card for?

Business credit cards are designed to only be used for business expenses, and some card providers will limit the amount of times you can use the card for personal expenses.

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