Cards tracked Directly_Observed
12
Last verified Directly_Observed
21 Apr 2026
Scope Directly_Observed
UK incorporated businesses
Limited companies and LLPs only
| Card | Representative APR | Verified | Source | |
|---|---|---|---|---|
 | Capital on Tap Business Credit Card | From 13.86%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 |
Representative APR
Representative APR benchmarks for UK business credit cards, sourced directly from issuer documentation. Representative APR is paid by at least 51% of approved applicants — your rate may be higher. Cards that publish only a floor rate are marked accordingly. Do not compare a floor rate directly to a representative rate.
Use this data
Downloadable extracts are being prepared. Use the citation block below to reference this dataset in the meantime.
Methodology
Source and verification
APR data is sourced from issuer pre-contract credit information and Schedule of Fees. Representative APR (51%+ of applicants) is the default. Cards publishing only a floor rate are marked 'rates from'. Charge cards with a Flexible Payment Option have a separate FPO APR.
How to cite this page
Published · Updated
Data version: v202604
BusinessExpert (2026). UK Business Credit Card APR Dataset: Current Rates Across the UK Market. Available at: https://www.businessexpert.co.uk/credit-cards/business-credit-card-apr-comparison/ [Accessed 29 April 2026].
Publisher: BusinessExpert
https://www.businessexpert.co.uk/credit-cards/business-credit-card-apr-comparison/
Sources used:
- Issuer pre-contract documentation