BUSINESS CREDIT CARDS

Protect your cash. Apply for a business credit card

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

Get started and check your business' eligibility today.

Check your eligibility

  • Apply for a credit card, in minutes

  • Fast turnarounds

  • Free business credit card eligibility check

Why might my business benefit from a credit card?

When suppliers need to be paid, a project requires more investment, or your day-to-day cash is running low, a credit card can provide a quick cash injection for your business. Credit cards can help manage cash flow, spread costs, and even improve your business's credit profile by building your credit history.

  • Quick cashflow when your business needs it 

  • Fast turnaround time 

  • Flexible repayment options 

  • Instant decisions on your eligibility

  • Credit card rewards on your business spend

OTHER BUSINESS FINANCE OPTIONS AVAILABLE

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 funding 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

Why get a business credit card?

  • Improve cash flow management

    Cover short term expenses and spread out costs to smooth your cash flow.

  • Build your business credit profile

    Using a credit card helps you build a credit history, boosting your business credit score over time.

  • Earn rewards or cashback

    Get rewards or cashback on business purchases to reduce overall costs.

  • Separate personal and business expenses

    Keep your personal and business finances separate for easier tracking and management.

Compare business credit cards

At Capitalise, we partner with over 100 UK lenders, including business credit card providers. With an account, you can check your business credit score, your eligibility, apply to multiple providers, and 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.

Want advice? Connect with our team who can help you understand your options.

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Frequently asked questions