Best business credit cards in 2025

If you're a small business owner looking to manage expenses, improve cash flow, or build business credit, a business credit card could be a smart choice. In this 2025 guide, we compare the best business credit cards in the UK, tailored to the needs of small businesses, whether you're a sole trader, a growing limited company, or somewhere in between.

Why use a business credit card?

A business credit card can do more than just help you pay for things, it can also make managing your business finances easier. It’s a simple way to stay organised and get some extra benefits at the same time.

Here’s how it can support your business:

• Keeps personal and business spending separate

• Builds your business credit history and over time helps to improve your business credit score

• You can earn rewards and get cashback on everyday spending

• Helps you in managing short term cash flow

• Encourages responsible credit management

They’re especially useful for regular expenses like subscriptions, travel, or supplies. You can also get perks like interest-free periods, cash back, or spend tracking to help you stay in control.

Best business credit cards in the UK in 2025

Here are six of the top-rated cards available to UK SMEs in 2025:

Top picks: Best cards by business need

Capital on Tap business credit card – Best credit card overall

• Fee: £0 (Free plan)

• Rewards: 1% cashback on all spending

• Extras: No forex or ATM fees, spend controls, free employee cards

• Integrations: Sage, Xero, QuickBooks, Free Agent

• Eligibility: UK Limited companies or LLPs with over £2,000 monthly turnover

Capital on Tap offers strong value with unlimited cashback, no fees, and generous credit limits. It’s ideal for growing companies that want rewards and flexibility.

Their pro plan at £299/year unlocks Avios rewards and lounge access, which suits frequent business travellers.

Barclaycard Select Cashback – Best credit card for startups

• Fee: £0

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

• Extras: 56 days interest-free, free FreshBooks subscription, savings on shows tickets, 5% off Apple products, possibility to use your card for recurring payments like utility bills or subscriptions, comes with a purchase protection

• Eligibility: UK businesses with £10k–£6.5m turnover

Barclaycard’s cashback model is well suited for startups looking to avoid fees while still earning rewards. Tools like purchase protection and spend tracking are especially useful for small teams.

Metro bank business credit card – Best credit card for its low APR

• Fee: £0

• APR: 18.9%, one of the lowest

• Extras: No forex fees in European countries, 56-day interest-free period

• Eligibility: Must have a Metro Bank business account

Metro Bank’s low APR makes it attractive for companies who may not pay off their balance in full each month. The absence of European forex fees is a standout for businesses with clients or suppliers abroad.

Santander business cashback credit card – Best for overseas spending

• Fee: £30 annual account fee, additional cards available at no extra cost

• Rewards: 1% cashback on all spending

• Extras: Up to 56 days to pay when balance cleared in full each month, no forex fees worldwide, if paying in local currency, spend limits per card

• Eligibility: Must hold a Santander business account, business is based and registered in the UK

Santander’s business credit card combines reliable cashback with international-friendly terms. It caters to the needs of established SMEs with global suppliers or teams that travel frequently.

Amex Business Gold credit card – Best for rewards & travel

• Fee: £0 the first year, then £195, must pay the balance in full each month

• Structure: 0% on eligible purchases for the first 6 months from account opening if you use the “Pay Over Time” feature. After the intro period, a variable APR applies, which currently ranges from 18.49% to 29.24%, depending on the business credit profile.

• Rewards: membership rewards points on purchases, travels and referrals

• Extras: 54-days to pay purchases, travel insurance, welcome bonus offers and quarterly bonus points, over 3200 a year in partner discounts, travel accident and travel inconvenience insurance, purchase and refund protection

• Eligibility: UK-based businesses, strong personal credit recommended, earning over £20,000 a year, permanent UK home address

Amex Gold suits directors who spend heavily and can pay in full monthly. Points can be redeemed for flights, hotels, and more, making it ideal for business travel and large recurring spend.

FlexiPay business credit card – Best for spreading larger costs

• Fee: £0 annual fee and 0% interest rate

• Structure: No interest and instead, a flat fee per use (typically ~1.99%)

• Repayment: fixed monthly instalments of 1 to 12 months with a simple flat fee per transaction

• Credit limit: up to £250,000

• Eligibility: UK-based SMEs, limited companies or LLPs

FlexiPay works like a credit card but is designed with Buy Now, Pay Later flexibility in mind. Businesses can use it to pay suppliers, bills, or invoices, then spread repayment over a set period. Approval is fast, and funds are typically available within 24 hours.

FlexiPay stands out for its transparent, flat-rate costs and the ability to plan payments, ideal for managing cash flow around the higher one-off expenses like tax bills or equipment purchases.

Choosing the right credit card for your business

The right business credit card depends on where your company is in its journey. For early-stage businesses, the priority may be getting approved without high fees. In that case, options like Capital on Tap, or Barclaycard Select offer simple entry points with cashback benefits. More established businesses with international payments might prefer Santander or Metro Bank for their favourable FX terms.

If your company has large, infrequent expenses, like VAT bills, insurance premiums or supplier invoices, FlexiPay offers something different: instalment based repayments with transparent, flat pricing. It's particularly well-suited to businesses that want predictable monthly outgoings instead of a revolving balance.

For directors or founders who travel frequently or want to earn points on heavy monthly spend, American Express Business Gold offers flexibility and rich rewards, it can be the best options, provided the balance can be paid off in full each month.

It’s also worth considering how a card impacts your business credit. Timely repayment can strengthen your company’s credit profile, which may open doors to other types of finance in future. Just be aware that some cards may require a personal guarantee, especially for newer businesses or applicants with limited trading history.

Planning beyond credit cards: building a financial stack for your business

A business credit card can be a strong financial tool, it’s most effective when used as part of a broader funding strategy. Many growing businesses combine credit cards with products like invoice finance, overdrafts, or short term lending to create a flexible financial stack that adapts to cash flow cycles and help demonstrate they can handle credit responsibly. If you want to dive deeper into building your business credit, read our article on how to use a business credit card to build business credit.