Last updated: 21 Sep 2026

BUSINESS CREDIT CARDS

Apply and compare business credit cards

If your business is growing quickly, or if you need fast access to cash, a business credit card could help.

With access to 130+ business lenders, we can help you find the right option.

Check your eligibility
Hand holding a green company card, surrounded by icons of a wallet, shield, and stopwatch, symbolizing security, speed, and finance.
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  • Fast access to cash

  • £2bn in funding approved

  • FCA regulated since 2016

  • Free business credit card eligibility check

What is a business credit card?

A business credit card gives your business a line of credit to draw on for everyday spending, which you then repay in full or over time with interest. It works in a similar way to a personal credit card, except the borrowing sits against your business rather than you personally. Many providers report your repayment activity to help build your business credit history.

How do business credit cards work?

Once you're approved for a business credit card, the provider sets a credit limit based on your business's financial position. You can spend up to that limit on business costs, then either clear the balance in full each month to avoid paying interest, or carry a balance forward and pay interest on what you owe. Most providers also charge fees for things like cash withdrawals or late payments, so it's worth checking a card's terms before you apply.

Why get a business credit card?

  • Fast turnaround

    Many providers offer an instant or same day decision, with some able to approve your application and issue your card within a few days.

  • Flexibile repayment

    Clear your balance in full each month, or spread the cost and pay interest only on what you carry.

  • Rewards on your spend

    Some cards return cashback, points or airline miles on the money your business is already spending.

Is my business eligible for a credit card?

Businesses of all sizes can be eligible for a credit card, though start-ups or less established companies may find it more challenging. This is because younger businesses will have a limited credit history and your eligibility will primarily depend on your business credit score. 

When you apply, the credit provider will run a credit check to determine whether they want to offer you a card and what your credit limit will be.

They may also review bank statements and repayment histories to assess your ability to manage credit card payments. In some cases, they may consider your personal credit score if you are the business owner.

You can check your eligibility for a credit card in minutes with a Capitalise account. 

Getting business credit cards, fast. 

  • Apply by leaving a few details about your business and funding need 

  • Check your eligibility for funding instantly

  • Start building your credit history

What types of business credit cards are available?

  • Rewards business credit cards

    Earn points, Avios miles, or Membership Rewards on every pound your business spends. Ideal for companies with high regular expenditure on travel, suppliers, or subscriptions. The more you spend, the more value you get back.

  • Cashback business credit cards

    Earn cashback as a percentage of your total spend each month or year. It is simpler than collecting points because the value is clear straight away. Best for businesses that want straightforward cost reduction without managing a rewards programme.

  • Business credit cards for bad credit

    Some specialist providers offer cards to businesses with a limited or adverse credit history. Credit limits may be lower at first, but responsible use can help strengthen your credit profile over time.

  • Startup business credit cards

    Designed for businesses in their early stages, these cards usually consider your personal credit score and projected revenue rather than requiring several years of business accounts.

Compare business credit cards

At Capitalise, we partner with over 130 UK lenders, including business credit card providers. With an account, you can compare offers to find the best credit card for your business. When deciding on a business credit card provider, you can look out for which of them has the following:

  • Best rewards

  • Best cashback offers

  • Lowest APR

This way, you can find the best credit card for your business needs.

What do you need to apply for business credit cards?

To make the application process as quick as possible, you’ll need the following information on hand to apply:

  • Details about your business turnover

  • Director details (including address and phone number)

  • 3-6 months business bank statements.

How to apply for a business credit card

  • Green circle with a white number "1" in the center.

    Tell us about your business

    Share a few details about your company, including your business type, how long you've been trading, and roughly what credit limit you're looking for. This takes just a couple of minutes.

  • Green circle with white number "2" in the center.

    We match you to the right providers

    Using your business credit score and information, we then match you with the card providers most likely to approve you, with no hard credit search and no impact on your score.

  • Green circle with the white number 3 in the center.

    Compare your options

    Review any offers side by side, including APR, credit limit, fees, and rewards. Choose the right card for your business and get a decision fast. If approved, you can usually access funds within 24 hours.

What are the alternative options to business credit cards?

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