Cards tracked Directly_Observed
12
Last verified Directly_Observed
21 Apr 2026
Scope Directly_Observed
UK incorporated businesses
Limited companies and LLPs only
| 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 |
Annual fee
Annual fee benchmarks for UK business credit cards, sourced directly from issuer pre-contract documentation. The zero-fee card is not automatically the cheapest — a high annual fee can still earn back its cost through rewards or travel benefits. Read alongside APR and FX data before deciding.
Use this data
Downloadable extracts are being prepared. Use the citation block below to reference this dataset in the meantime.
Methodology
Source and verification
Annual fee data is sourced from each issuer's pre-contract credit information (PCCI), product page, and live application flow. Where a waiver applies in year 1, both the waived and standard fee are noted. Company cards with supplementary card fees are noted separately.
How to cite this page
Published · Updated
Data version: v202604
BusinessExpert (2026). UK Business Credit Card Annual Fee Dataset: Cost to Hold the Card, by Issuer. Available at: https://www.businessexpert.co.uk/credit-cards/business-credit-card-annual-fee-comparison/ [Accessed 29 April 2026].
Publisher: BusinessExpert
https://www.businessexpert.co.uk/credit-cards/business-credit-card-annual-fee-comparison/
Sources used:
- Issuer pre-contract documentation