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Why get a business credit card?
Business credit cards offer a number of benefits designed to streamline your company's finances and provide valuable perks. From earning cashback on everyday purchases to accessing travel rewards, these cards are essential tools for managing expenses, improving cash flow, and building credit for your business.
Types of business credit cards
Cashback business credit cards allow businesses to earn a percentage of their spending back as cash rewards. These cards often offer higher cashback rates on specific spending categories such as office supplies, travel, or utilities.
Rewards business credit cards enable businesses to earn points, miles, or other rewards for their spending. These rewards can typically be redeemed for travel, merchandise, gift cards, or statement credits.
Corporate credit cards are typically issued to employees of larger businesses and are used for business-related expenses. These cards may offer features such as central billing, expense management tools, and customisable spending limits for employees.
Business travel credit cards are designed for businesses that frequently travel for work. They often offer travel-related perks such as airport lounge access, travel insurance, and rewards for airfare, hotel stays, and other travel expenses.
Types of business credit cards
Cashback business credit cards
Rewards business credit cards
Corporate credit cards
Business travel credit cards
How to choose a business credit card
Choosing the best business credit card for your needs involves careful consideration of various factors.
Assess Your Business Needs
Research your options
Compare key features
Review fees and terms
What are the pros and cons of business credit cards?
Pros
Cons
What our business credit card expert says
“Business credit cards offer vital financial flexibility, enabling businesses to effectively handle expenses, swiftly access credit, and enjoy rewards and incentives specifically designed for business spending.”
Common features of business credit cards
Rewards programs: Explore various rewards structures, including cashback, travel miles, and points-based systems, to optimise your spending.
Introductory offers: Take advantage of introductory APR periods and bonus rewards to maximise savings and enhance your company's financial flexibility.
Annual fees: Evaluate the cost-effectiveness of each card by comparing annual fees against the benefits and rewards offered.
Expense management tools: Access expense tracking features and reporting tools to monitor and analyse your company's spending patterns.
Employee cards: Simplify expense management and control by issuing supplementary cards to your employees, each with customisable spending limits.
Additional benefits: Discover additional perks such as travel insurance, purchase protection, and exclusive discounts that complement your business needs.
Who's Capital On Tap?
Capital on Tap’s mission is to make running a small business as easy as possible. With tools and resources that empower businesses to streamline operations, access fast funding and earn rewards, more than £10 billion has been spent on their business credit cards. Card holders benefit from 1% cashback on every transaction and credit limits of up to £250,000. There’s no hidden charges or annual fees. You can manage business spending with smart controls and real-time visibility, and stay organised with auto-sync for Sage, Xero, FreeAgent and more. You’ll even gain access to exclusive offers like savings at Dropbox, Slack and Superscript. Apply today to join the 200,000 businesses across the UK and the US that have placed their trust in Capital on Tap.
Need more help?
After you've submitted your application, you should get your business credit card within a couple of weeks, assuming you've been approved for the card. But with Capital on Tap, you can start spending immediately with virtual cards.
If you're just starting a business or you’re a sole trader, the provider will do a credit check of your personal finances. However, if your business is set up as a limited company and has taken out other forms of credit before, the credit check may look at just your business' credit history to determine approval.
Yes, many business credit cards do charge annual fees, but you can find cards that don't have an annual fee.
Yes. With business credit cards you can get individual cards for each employee and have them all attached to one credit card account.
Page last reviewed: 02/07/2026
Reviewed by: Alex Ryde
Confused.com Business credit cards is provided by Capital on Tap. Capital on Tap is a trading name of New Wave Capital Limited which is authorised and regulated by the Financial Conduct Authority (firm reference number 625592 in respect of consumer credit activities)
New Wave Capital Limited is a private limited company incorporated in England and Wales (No. 07959823), registered at 1 London Bridge, London, England, SE1 9BG.