12 cards · sourced directly from issuer documentation · last traced · every figure linked to its source
The UK business card market runs from nothing at all to comfortably over £600 a year in annual fees, before a single transaction has cleared. A low number is not automatically a cheap card.
A zero-fee card with a 2.99% non-sterling charge will still sting any business that pays overseas suppliers. An eye-watering fee can earn itself back quickly in rewards if you use the card the way the issuer intends.
Every figure below was checked against the issuer’s pre-contract credit information, full terms and live application flow, with the source linked on the row. Read it next to the APR, FX and rewards datasets before deciding whether the card earns its keep.
Scope: UK incorporated businesses only (limited companies and LLPs). Sole trader and consumer cards are excluded. How we research this data.
| Card | Annual Fee | Verified | Source | |
|---|---|---|---|---|
|
American Express Basic Business Card | £0 | American Express | |
|
Capital on Tap Business Credit Card | £0 | Capital on Tap | |
|
Barclaycard Select Cashback Business Credit Card | £0 | Barclaycard | |
|
Funding Circle FlexiPay | £0 | Funding Circle | |
|
Funding Circle Cashback Business Credit Card | £0 | Funding Circle | |
|
NatWest Business Credit Card | £30 | NatWest | |
|
Santander Business Cashback Credit Card | £30 | Santander | |
|
HSBC Business Credit Card | £32 | HSBC | |
|
Lloyds Bank Business Credit Card | £32 | Lloyds | |
|
|
Barclaycard Premium Plus Business Credit Card | £150 | Barclaycard | |
|
American Express Business Gold Card | £195 | American Express | |
|
American Express Business Platinum Card | £650 | American Express |
Notes and definitions
- The figure is for the primary cardholder. Supplementary employee cards usually cost extra, and a team of five can triple the headline quickly.
- Where an issuer waives the fee for year one, or drops it above a spend threshold, we record the standard rate that kicks in afterwards. The waiver is the hook. The real number is what you pay in year two.
- Charge cards are in scope where they are open to UK limited companies or LLPs. The cost-to-hold question applies the same way whether the card expects full monthly settlement or lets you carry a balance.