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The different types of business credit cards
Cashback Cards
Get money back on what you're already spending. Simple as that - a percentage of your purchases comes straight back to you, cutting your business costs.
Travel Rewards Cards
Perfect if you travel for business. Rack up points or miles on flights, hotels, and travel expenses. The more you travel, the more you save.
Rewards Cards
Earn points on everyday business spending - office supplies, meals, fuel. Swap your points for gear, gift cards, or money off your statement.
Rewards Cards
Earn points on everyday business spending - office supplies, meals, fuel. Swap your points for gear, gift cards, or money off your statement.
Charge Cards
Pay off your full balance each month - no exceptions. Keeps your spending disciplined and means you never pay interest.
Purchase Cards
Get months without paying interest on purchases. Great for managing cash flow when you need to buy expensive equipment or stock.
Spend in a way which works for your business.
Personalised and flexible options to help you manage expenses, earn rewards on purchases, build business credit, or separate personal and business spending.
- Smart searches and easy applications
- Cards tailored to your business needs
- Flexible spending with competitive rates and rewards
Frequently Asked Questions
Business credit cards are designed for company expenses and help separate your personal and business finances. They often offer higher credit limits, business-specific rewards, and expense tracking tools that make accounting easier.
Not always. Many providers accept applications from sole traders and new businesses, though you may need to provide personal guarantees. Some cards are specifically designed for startups and newer companies.
While business credit cards can help build your business credit profile, missed payments or defaults may still impact your personal credit score if you've provided a personal guarantee during the application process.
You'll typically need business registration documents, recent bank statements, proof of identity, and sometimes financial statements or tax returns. The exact requirements vary between providers.
While it's technically possible, it's not recommended. Using business cards for personal spending can complicate your accounting, affect your tax records, and may violate the card's terms and conditions.
Credit cards offer more flexibility - you only pay interest on what you spend, can access funds repeatedly up to your limit, and often come with rewards programs. They're ideal for ongoing expenses rather than one-off large purchases.
Most business cards offer cashback, points, or miles on purchases. Common categories include office supplies, fuel, travel, and general spending. Rewards can be redeemed for cash, statement credits, or business-related purchases.
Missing payments can result in late fees, increased interest rates, and damage to both your business and personal credit scores. Contact your provider immediately if you're struggling - they may offer payment plans or temporary relief.
Options exist for businesses with poor credit, though they may come with higher interest rates, lower credit limits, or require secured deposits. Building your credit history with these cards can help you qualify for better terms later.
This depends on your business needs. Some companies use multiple cards to separate different expense categories or to take advantage of various rewards programs. Just ensure you can manage the payments and keep track of spending across all accounts.