Best business reward Credit cards in the UK (2025 guide)

A business reward credit card helps UK businesses earn cashback, loyalty points, or travel perks on everyday company spending. It’s a smart way to improve cash flow, simplify expenses, and build your business credit profile.

In this guide, we’ll explain how business reward credit cards work, highlight their key benefits and drawbacks, and compare the top reward card options available in the UK. Whether you’re a startup or an established company, this guide will help you pick the right card to maximise your spending.

What is a business reward credit card?

A business reward credit card is a business credit card specifically designed for business use that offers perks in return for your spending. These rewards can come in the form of cashback, loyalty points, air miles, or other business-related benefits.

Unlike personal reward cards, business cards are tailored to company expenses and may offer additional tools such as employee card management, accounting software integration, and larger credit limits.

Benefits of using a business reward credit card

• Cashback or points on purchases: Earn money or points back on all eligible spending.

• Streamlined expense management: Separate personal and business expenses for clearer accounting.

• Employee card controls: Issue additional cards and set spending limits.

• Build your business credit profile: Timely repayments contribute to a stronger business credit score.

• Improve cash flow: Take advantage of up to 56 days interest-free on purchases.

• Travel & lifestyle perks: Many cards offer extras like airport lounge access or hotel upgrades.

How do business credit card rewards work?

Each time you use your card, the provider earns a fee from the merchant. A portion of this fee is returned to you in the form of rewards.

Common reward types include:

• Cashback: A percentage (e.g., 1%) of your purchases returned as credit.

• Points: Collect loyalty points per £1 spent, redeemable for flights, hotels, vouchers, etc.

• Perks: Travel insurance, software discounts, lounge access, or bonus points for certain spending levels.

⚠ Tip: To truly benefit, always aim to pay your balance in full each month. Interest charges can quickly outweigh any rewards earned.

Pros and cons of business reward cards

Pros

• Earn rewards on routine expenses

• Separate and track business costs easily

• Build business credit

• Useful perks and bonuses

Cons

• May have annual fees

• Higher interest rates than personal cards

• No Section 75 protection (unlike personal cards)

• Can encourage overspending if not managed carefully

Top business reward credit cards in the UK (2025)

Here’s a comparison of some of the best business rewards credit cards available in the UK right now.

How to choose the best business rewards credit card for your Company

When comparing the best business rewards credit card, consider the type of rewards that align with your spending habits. If you make frequent purchases in the UK, a cashback card like Capital on Tap or Barclaycard Select may be the best fit. If your team travels often, consider cards that offer Avios or other travel perks, such as the Capital on Tap Pro or Amex Business Gold.

You should also weigh the annual fee against the potential rewards. While cards with higher fees often offer more perks, these are only worthwhile if you spend enough to justify the cost. Look for additional benefits such as easy integration with accounting software or tools that let you manage employee spending.

• Type of Reward: Cashback is simple; points might offer better value for travel.

• Annual Fee: Weigh the cost against potential rewards. Low/no-fee cards offer fewer perks.

• Spending Habits: Cards with high reward caps or categories may suit high-spend businesses.

• Travel Benefits: Airport lounges, insurance, and Avios might benefit frequent travellers.

• Software Integration: Look for cards that connect with tools like Xero or QuickBooks.

To get the most out of your rewards card, always aim to pay off your balance in full each month. This helps you avoid interest charges and ensures that any cashback or points you earn truly benefit your bottom line.

Are business reward credit cards worth it?

Yes if used responsibly, a business reward credit card can add meaningful value to your operations. For example, spending £5,000/month on a 1% cashback card earns £600 annually. If that card has no annual fee, that's pure gain.

However, if you don't pay the balance off monthly or don’t use the card’s perks, the value can quickly disappear. It’s all about matching your business’s needs to the right card.

Business reward credit cards: a detailed review

Capital on Tap Free

• Capital on Tap Free is a great option for businesses looking to earn rewards without paying an annual fee. It offers 1% cashback or 0.8 Avios points for every Capital on Tap point earned. Alongside the rewards, businesses can benefit from no foreign transaction fees, free employee cards, and seamless integration with popular accounting software like Xero and QuickBooks. It’s a simple, cost-effective way to make your business spending work harder.

Capital on Tap Business Rewards

• Capital on Tap Business Rewards builds on the Free plan by adding even more value for frequent spenders. For an annual fee of £299, this card lets you earn 1 Avios point for every Capital on Tap point. If you spend £5,000 within the first three months, you’ll also receive a 10,000-point welcome bonus. The card includes additional travel benefits such as access to airport lounges and hotel upgrades, making it a strong choice for businesses whose teams often travel.

Barclaycard Select Cashback

• Barclaycard Select Cashback is well-suited for small businesses that want to earn rewards without paying a fee. It offers 1% cashback on all spending, provided you spend more than £2,000 each month. On top of that, the card includes a free FreshBooks subscription, which helps simplify your invoicing and expense tracking. Barclaycard also provides access to curated rewards and discounts, adding even more value for everyday use.

Santander Business Cashback Credit Card

• Santander Business Cashback Credit Card offers a clear and simple rewards structure. You’ll earn 1% cashback on all your purchases, with no cap on how much you can earn. The card has a low annual fee of £30, making it an affordable option for businesses with regular or high monthly spending. One of its standout features is that there are no foreign transaction fees when paying in the local currency while abroad, perfect for businesses that make international purchases or travel frequently.

American Express Business Gold Card

• American Express Business Gold Card is ideal for businesses that spend heavily and travel often. It gives you one Membership Rewards point for every £1 you spend, which can be redeemed for flights, hotel stays, gift cards, and more. If you spend £20,000 in your first three months, you’ll receive a bonus of 10,000 points. The card is free in the first year and includes a variety of travel perks, along with the option to issue up to 20 complimentary employee cards. This makes it a great fit for growing teams that want to maximise their spending power and earn flexible rewards.

Frequently asked questions

Are business credit card rewards taxable in the UK?

Generally not. Points or miles usually aren’t taxable. Cashback could be if treated as income. Always check with your accountant.

Can I have multiple business reward credit cards?

Yes, many businesses use different cards for different categories. Just manage usage carefully to stay on top of payments.

By choosing the right rewards card, your business can turn everyday expenses into meaningful savings or perks. It’s a smart way to make your money work harder while staying on top of your financial management. If you’d like to learn more about your business credit card options, you can read our article on the best business credit cards in 2025.

Can I get a business loan instead of using a credit card?

Yes, a business loan can be a great alternative, or complement, to a business credit card, depending on your needs. While credit cards are ideal for everyday expenses and earning rewards, a business loan (such as a term loan) is often better suited for larger, one-off costs like equipment purchases, hiring staff, or expanding operations.

Business loans typically offer higher borrowing limits and structured repayment plans over a set period, whereas credit cards provide ongoing access to revolving credit. If you're planning a bigger investment or need a longer repayment timeline, a business loan might be the better choice.

With Capitalise, you can explore both business credit cards and loan options and even check your business credit score, all in one place.