12 cards · sourced directly from issuer documentation · last traced · every figure linked to its source
Representative APR is what the card costs to borrow if you carry a balance. Or more precisely, what it costs at least 51% of approved applicants. Your rate can sit above or below.
Issuers do not calculate the figure the same way from one card to the next. A handful publish only a floor rate (“rates from”), and those are flagged. Do not read a floor rate against a representative APR: the first is a best case, the second is the likely case, and confusing the two is how businesses end up with a rate they weren’t expecting.
On charge cards with a Flexible Payment Option, the APR only bites if you actively opt to carry a balance. Otherwise the card still expects full monthly settlement.
Every figure here was traced to the issuer’s own pre-contract credit information, terms and application disclosures, with the source linked on every row.
Scope: UK incorporated businesses only (limited companies and LLPs). Sole trader and consumer cards are excluded. How we research this data.
| Card | Representative APR | Verified | Source | |
|---|---|---|---|---|
|
Capital on Tap Business Credit Card | From 13.86% rates from | Capital on Tap | |
|
Lloyds Bank Business Credit Card | 15.95% representative | Lloyds | |
|
HSBC Business Credit Card | 22.00% representative | HSBC | |
|
Santander Business Cashback Credit Card | 23.70% representative | Santander | |
|
NatWest Business Credit Card | 24.30% representative | NatWest | |
|
Barclaycard Select Cashback Business Credit Card | 25.50% representative | Barclaycard | |
|
American Express Business Gold Card | FPO 29.10% flexible payment option | American Express | |
|
American Express Business Platinum Card | FPO 29.10% flexible payment option | American Express | |
|
Funding Circle Cashback Business Credit Card | 34.90% representative | Funding Circle | |
|
Funding Circle FlexiPay | Rep. 38.00% representative (flat fee) | Funding Circle | |
|
|
Barclaycard Premium Plus Business Credit Card | 55.10% representative | Barclaycard | |
|
American Express Basic Business Card | N/A — charge card (full balance required monthly) | American Express |
Notes and definitions
- Representative APR is the rate given to at least 51% of accepted applicants. Your offer can sit above or below, and issuers do not calculate the figure the same way from one card to the next.
- Cards marked “rates from” publish only a floor rate. Do not compare it directly to a representative APR: a floor rate is a best case; a representative APR is a likely case.
- Cards marked “FPO” show the Flexible Payment Option rate, which only applies if you actively opt in to carry a balance. The underlying charge card still expects full monthly settlement.
- Cards marked “Rep.” show a regulatory APR calculated from flat transaction fees rather than compound interest. The real cost depends on how often and how long you actually borrow, not the headline figure.
- Pure charge cards with no FPO and no flat-fee APR are excluded from this dataset. They have no rate to publish.