Business Credit Cards UK | Up to £250,000 Limit | 2% Cashback
Compare cashback, charge and low-rate business credit cards from 100+ specialist lenders in one place. Earn up to 2% cashback on every purchase, get up to 42 days interest-free credit, and access credit limits up to £250,000 — all built around how UK limited companies actually trade. Whether you want to separate business spend from personal, smooth cashflow between supplier payments and customer receipts, or simply earn money back on costs you'd be paying anyway, we'll match you with the right card from our specialist lender panel.
As an FCA-authorised broker, we start with a soft eligibility check — no impact on your credit score, no upfront fees, no obligation.
What is a business credit card?
A business credit card is a revolving credit facility issued in your company's name, used to pay for everyday business expenses — stock, fuel, software, travel, suppliers, marketing. You get a credit limit, up to 42 days of interest-free credit on purchases, and (with the right card) cashback on every pound you spend. In the UK, business credit cards are typically available to registered limited companies trading for at least 12 months with annual turnover of £30,000 or more.
Why use a business credit card?
Four reasons UK limited companies use a dedicated business card instead of a personal one.
Earn cashback
2% for the first 6 months, then 1% uncapped on every purchase.
Up to 42 days interest-free
Pay your balance in full each month and pay no interest.
Separate business spend
Cleaner bookkeeping and a clear paper trail for HMRC.
Sync with your accounts
Transactions feed directly into Xero, Sage and FreeAgent.
Check your eligibility in under 3 minutes
Search your limited company — soft check only, no impact on your credit score.
Check your eligibility
Search your company — no impact on credit score.
FCA authorised credit broker. Free to apply.
Types of UK business credit card compared
A quick breakdown of the main categories. The right one depends on your turnover, spending pattern and how you plan to repay.
| Card type | Best for | Typical limit | Typical APR | Eligibility |
|---|---|---|---|---|
| Cashback cards | Established companies with regular monthly spend | Up to £250,000 | From 14.9% p.a. | Limited company · 12mo+ trading · £30k+ turnover |
| Charge cards | Businesses that clear the balance in full each month | No preset limit | N/A (paid in full) | Limited company · strong cashflow |
| Low-rate cards | Companies that occasionally carry a balance | Up to £100,000 | From 9.9% p.a. | Limited company · good credit profile |
| Secured / pre-paid | Newer companies still building credit | Up to deposit value | N/A | Limited company · refundable security deposit |
| Cards for new businesses | Companies under 12 months trading | Up to £25,000 | From 19.9% p.a. | Limited company · personal guarantee usually required |
Indicative figures based on typical UK market conditions. Actual rates, limits and eligibility vary by lender and applicant profile. Representative 34.9% APR variable.
UK business credit card eligibility
The cashback business credit card we introduce SMEs to is built specifically for established UK limited companies. The criteria are simple and checked instantly online with no credit score impact.
If you trade as a sole trader or partnership, this card is not available — but our sole trader loans and business loans pages cover funding options that work for you.
You qualify if you are…
Common business credit card questions
The specifics UK directors most often ask before applying.
Business credit cards with no personal guarantee
A personal guarantee makes company directors personally liable for the balance. Most UK business credit cards require one — especially for newer or smaller companies — because it reduces the lender's risk. Cards with no personal guarantee do exist but are typically reserved for established limited companies with strong turnover and a clean credit profile. As a broker we can tell you upfront whether your business qualifies.
Business credit cards with no annual fee
Many of the best UK business cards have no annual fee, no monthly fee and no setup fee — including the cashback card we recommend to eligible limited companies. The only cost is interest, and only if you carry a balance beyond the 42-day interest-free window.
Business credit cards for new businesses and startups
Cards aimed at companies under 12 months trading usually have lower limits and almost always require a personal guarantee. The card we introduce SMEs to is built for limited companies trading 12+ months with £30k+ turnover — if you are younger than that, our startup business loans page is a better starting point.
Easiest business credit cards to get in the UK
There is no single "easiest" card — it depends on your trading history, turnover and credit profile. Going through a broker like SME Finance Hub is the fastest way to find out what you qualify for, because we check eligibility against the criteria of multiple specialist lenders in one application instead of you applying to each one separately.
Business credit cards with no foreign transaction fees
If you buy from overseas suppliers, travel for business or pay USD-denominated software subscriptions, foreign transaction fees can easily wipe out any cashback you earn. The card we recommend has zero FX fees and earns the same cashback rate on international spend, anywhere Visa is accepted.
Cashback business credit cards explained
A cashback business credit card pays you a percentage back on every purchase. The card we introduce eligible limited companies to pays 2% for the first 6 months (up to £2,000 cashback) then 1% uncapped on everything you spend after that — credited automatically when you pay your statement. There is no cap on the long-term cashback rate and no rotating categories to track.
Business credit card vs business loan vs overdraft
A credit card is best for day-to-day operating spend — fuel, software, stock, marketing — and earning cashback on costs you would pay anyway. A business loan suits one-off larger investments like equipment, property or expansion. An overdraft works as a flexible safety net. Many UK SMEs use all three: card for spend, loan for growth, overdraft for emergencies.
Business credit cards for limited companies with imperfect credit
A weaker credit profile does not automatically rule you out. Specialist lenders look at turnover trends, sector and trading history alongside credit data. As a broker we can match your application to lenders who underwrite manually rather than rejecting on a credit score alone.
Free · 3 minutes · no impact on your credit score
How to apply through SME Finance Hub
Four simple steps, fully online, with a UK specialist supporting you end-to-end.
Check eligibility
Search your company — under 3 minutes, no impact on your credit score.
Instant decision
See your indicative credit limit and cashback rate straight away.
We handle the paperwork
A specialist guides the full application end-to-end.
Card in 10 working days
Activate, spend and start earning cashback from day one.
Why apply through SME Finance Hub?
We are a specialist broker, not a lender — our job is to find you the right card from across the UK market.
FCA-authorised broker
Regulated by the Financial Conduct Authority. Your interests come first.
100+ specialist lenders
One eligibility check covers cashback, charge, low-rate and specialist cards.
Free to apply, no obligation
No upfront fees. We are paid commission by the lender only if you proceed.
Don't qualify for a business credit card? Here's what to explore instead
Business credit cards are not the right fit for every UK company. If your turnover is below £30,000, you're trading as a sole trader or partnership, you need a larger lump sum, or a credit card application has been declined, these products may suit you better.
Unsecured Business Loans
Need more than a £250,000 limit or prefer fixed monthly repayments? Loans from £5,000 to £500,000+ with no collateral required.
Explore unsecured loansStartup Business Loans
Trading for less than 12 months? Startup loans are built for newer companies that haven't yet built the history most credit cards require.
Explore startup loansSole Trader Loans
Not a limited company? Our sole trader and partnership funding options work for unincorporated businesses with 6+ months trading history.
Explore sole trader loansInvoice Finance
If your cashflow problem is late-paying customers rather than day-to-day spend, unlock up to 90% of invoice value within 24 hours.
Explore invoice financeNot sure which product fits your situation? Call us on 01244 906505 — we review your circumstances and point you to the right option in minutes.
Business credit card FAQs
Everything UK limited company directors ask before applying.
Ready to see your credit limit?
Check eligibility in under 3 minutes. No impact on your credit score, no application fee, and no obligation.
Credit subject to status. Representative 34.9% APR variable. Rates from 14.9% p.a. SME Finance Hub is a credit broker, not a lender, and receives commission from the lender if your application completes. Checking your eligibility does not affect your credit score.