Business Credit Cards

Compare Business Credit Cards

	Credit Card	Representative APR Variable Annual Percentage Rate: the interest that you will pay per year on purchases. This rate includes annual fees but does not factor in other charges such as default fees. Rates shown are 'typical' interest rates and may vary depending on your credit rating.	Balance Transfers A balance transfer is when you transfer the debt owed on one credit card (the balance) to another.			Purchases
			Rate This indicates the introductory interest rate on balance transfers that a credit card offers.	Duration The duration of time that the introductory interest rate on balance transfers will apply.	Fee Balance transfer fees are usually applied to any balances transferred from one card to another. They are calculated as a percentage (typically between 2-4%) of the amount being transferred.	Rate This indicates the introductory interest rate on new purchases that a credit card offers.	Duration The duration of time that the introductory interest rate on new purchase will apply.
	Barclaycard Business Gold Credit Card Includes AA membership discounts and insurance benefits	21.9%	n/a	n/a	n/a	0%	3 months	MORE INFO
	Representative Example: Representative Example: If you spend £1,500 at a purchase interest rate of 16.9% (variable) with a £32 annual Fee your Representative APR will be 21.9% (variable).
	Barclaycard Business Cashback Credit Card Earn up to 3% cashback on business expenditure up to a total of £400 per year.	25.1%	n/a	n/a	n/a	0%	3 months	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Credit Rating Good
	Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% (variable) with a £32 annual Fee your Representative APR will be 25.1% (variable).
	American Express British Airways Credit Card Avios rewards scheme - 3,000 bonus Avios welcome offer	15.9%	n/a	n/a	n/a	n/a	n/a	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 18 Existing Customer No Credit Rating Good Minimum Income £30,000 Employment Status Employed
	Representative Example: 15.9% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 15.9% p.a. (variable)
	American Express Business Gold Charge Card Various business benefits + Membership Rewards scheme	N/A	n/a	n/a	n/a	n/a	n/a	MORE INFO
	Representative Example: £125 annual fee
	American Express Platinum Charge Card Earn 1 Reward point for virtually every £1 spent	N/A	n/a	n/a	n/a	n/a	n/a	MORE INFO
	Representative Example: £450 annual fee
	American Express Corporate Card Earn membership reward points as you spend.	N/A	n/a	n/a	n/a	n/a	n/a	MORE INFO
	Representative Example: £45 annual fee
	Cashplus Business Expense Card No credit checks required for this low cost credit card alternative	N/A	n/a	n/a	n/a	n/a	n/a	MORE INFO
	Representative Example: n/a - no credit facility offered

Business credit cards

Business credit cards are a staple weapon in the arsenal of any company, large or small.

They can help to provide one of the key things a company needs to thrive and sometime just to survive - flexible cash flow.

Essentially, the credit facility helps a company retain high levels of liquidity (the ability to access cash) as they can borrow money to pay for supplies.

Then, when the invoice for the job in hand has been paid by the customer, the company can theoretically clear the debt it has amounted on the credit card. If, in the meantime, there were to be any delays in payment or an unexpected bill were to come in, the company would stand a better chance of avoiding bankruptcy while it waits for its cash.

Business credit cards work in much the same way as personal ones do - you get a set limit which you can borrow through purchases, cash advances or balance transfers. You pay back at least a minimum amount each month and you face interest charges on what you borrow, unless you clear the entire balance month to month.

The key differences are that with a business credit card the borrowing limit can often be much higher, if desired, and you can usually have multiple cards linked to one account, meaning you can allow employees to use it.

The banks often offer special business sweeteners too, such as discounts on commercial goods or access to networking facilities.

Click here to find out more about choosing credit cards.

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