8 best business credit cards for startups in 2025

Launching a startup is exciting, but it’s a big challenge. You’re aiming for rapid growth, often with little or no trading history, and that can make cash flow unpredictable and access to finance more difficult. Traditional business credit cards aren’t always designed for that reality.

The right startup business credit card can bridge early cash flow gaps, cover essential purchases, and even earn rewards or cash back along the way. All while helping to build the credit profile you’ll need for larger funding or a longer term business loan.

In this guide, we’ve shortlisted the 8 best business credit cards for startups in the UK for 2025, comparing fees, interest rates, perks, and eligibility criteria, so you can find the one that fits your early-stage needs.

Best startup business credit cards in the UK in 2025

The 8 best startup business credit cards by business need

American Express Business Gold – Best for rewards and perks

• Fee: £0 in year 1 (£195 thereafter)

• Rewards: Membership Rewards points on every £1 spent; generous welcome bonus (often 10,000 points with qualifying spend)

• Extras: Employee expense tools, supplementary cards, travel/purchase protection, partner discounts, hotel upgrades

• Eligibility: 18+, UK resident, £20,000+ annual income, if self-employed must have 12+ months trading

• Why it’s good for startups: Great for founders who pay off their balance each month and want flexible rewards that convert to travel, cashback, or gift cards. The first-year fee waiver makes it a low-risk entry to the Amex perks ecosystem.

Barclaycard Select Cashback – Best credit card for startups avoiding fees

• Fee: £0

• Rewards: 1% cashback when spending £2,000+ monthly

• Extras: 56 days interest-free on purchases, free FreshBooks subscription, event ticket discounts, 5% off Apple products

• Eligibility: UK businesses with £10k–£6.5m turnover, ideally 12+ months trading

• Why it’s good for startups: Perfect for cost-conscious founders who still want cashback rewards. The extra business discounts help stretch your budget further.

Capital on Tap Business Credit Card – Best for flexible approval and simple rewards

• Fee: £0 (Pro version £299/year)

• Rewards: 1% cashback or Avios on all spending

• Extras: Credit limits up to £250,000 (for established users), employee cards at no extra cost, accounting software integration, no foreign exchange fees

• Eligibility: £2,000 monthly turnover, active on Companies House, registered Ltd or LLP

• Why it’s good for startups: One of the easiest business credit cards to qualify for, with straightforward rewards and flexible usage — a strong first choice for early-stage founders.

Lloyds Bank Business Credit Card – Best for low APR and fuel rewards

• Fee: £0 in year 1 (£32 thereafter)

• Rewards: 1% cashback on fuel/EV charging, 0.5% on other spending

• Extras: 56 days interest-free, online expense management, additional cards available

• Eligibility: Must have a Lloyds business account

• Why it’s good for startups: Ideal for companies with regular travel or delivery costs, the low APR and fuel cashback help keep costs down.

NatWest Business Credit Card – Best for NatWest and RBS customers

• Fee: £0 in year 1 (£30 thereafter, waived if annual spend exceeds £6,000)

• Rewards: 1% cashback on fuel and EV charging

• Extras: ClearSpend app for real-time spend tracking, 56 days interest-free, purchase protection

• Eligibility: NatWest business account, UK-based, turnover under £2m

• Why it’s good for startups: Solid option for existing NatWest customers who want cashback and strong spend-control tools.

HSBC Business Credit Card (Commercial Card) – Best for expense control

• Fee: £0 in year 1 (£32 thereafter)

• Rewards: Partner discounts and offers

• Extras: Set individual spend limits for employee cards, 56 days interest-free, online/mobile expense tracking

• Eligibility: Must hold an HSBC business account

• Why it’s good for startups: Excellent for scaling teams, lets you issue multiple cards with tailored spending limits to keep budgets in check.

Santander Business Cashback Credit Card – Best for flat-rate cashback

• Fee: £30/year (no extra charge for additional cards)

• Rewards: 1% cashback on all purchases, no cap

• Extras: 56 days interest-free if balance is cleared monthly, no foreign transaction fees

• Eligibility: Santander business current account, UK-based, 18+

• Why it’s good for startups: Simple, predictable cashback that works for all types of spending, easy to track and valuable for everyday use.

Metro Bank Business Credit Card – Best for cost-effective spending in Europe

• Fee: £0 annual fee

• Rewards: None, the focus is on keeping costs low

• Extras: No foreign transaction fees for purchases in Europe, 18.9% APR (variable), up to 56 days interest-free on purchases, up to 9 free additional cardholders, online account management

• Eligibility: Must hold a Metro Bank business account

• Why it’s good for startups: If your business regularly buys from suppliers or operates in Europe, this card helps you save on every transaction abroad. With no annual fee, no foreign transaction charges in Europe, and generous interest-free terms, it’s a budget-friendly choice for cross-border trade.

Planning beyond business credit cards: building your startup’s cash flow strategy

A business credit card can be a powerful tool for a startup, but it’s most effective when used as part of a broader cash flow strategy. Many early-stage companies combine a credit card with products like invoice finance, overdrafts, or short-term lending to create a flexible financial stack that adapts to cash flow cycles. This not only provides breathing room during growth spurts, but also helps demonstrate to lenders that your business can handle credit responsibly.

If you want to get the most out of your card, check out our guide on how to maximise rewards from business credit cards for tips on earning more cashback, points, and perks.

To understand how to strengthen your credit profile, read our guide on how to build business credit.