10 cards · sourced directly from issuer documentation · last traced · every figure linked to its source
Welcome offers on UK business cards are marketed like a free gift and awarded like a hurdle race. Hit the spend inside the qualifying window, in the way the issuer defines it, and you get the bonus. Miss by a day, or miss by a purchase type, and the issuer keeps the lot.
These deals move. They get pulled, refreshed, or quietly reframed, sometimes mid-week. The marketing copy on an issuer’s front page is not always in step with the offer terms inside the application, which is where the deal actually lives.
Read the live application, not the landing page. Screenshot the offer at application time in case it disappears before the bonus lands. And if a headline bonus sounds too generous for the spend required, the sting is usually in the qualifying rules.
Every offer here was checked against the issuer’s live application flow or product page on the date shown, and that date is logged on the row.
Scope: UK incorporated businesses only (limited companies and LLPs). Sole trader and consumer cards are excluded. How we research this data.
| Card | Welcome Offer | Verified | Source | |
|---|---|---|---|---|
|
Barclaycard Premium Plus Business Credit Card | 0% for the first 6 months from the date the account is opened | Barclaycard | |
|
Funding Circle Cashback Business Credit Card | 2% cashback for the first 6 months (up to £2,000 cashback), then 1% uncapped cashback after that. | Funding Circle | |
|
American Express Basic Business Card | There is no welcome offer currently | American Express | |
|
Capital on Tap Business Credit Card | Earn 10,000 bonus points when you spend £5,000 on your Pro business credit card in the first 3 months. | Capital on Tap | |
|
|
Barclaycard Select Cashback Business Credit Card | No welcome offer or sign-up bonus | Barclaycard | |
|
HSBC Business Credit Card | Annual fee waived for the first year (£32 per card, also applies to employee cards) | HSBC | |
|
Lloyds Bank Business Credit Card | Annual fee waived for first 12 months (£32/cardholder/year thereafter; waived if annual spend ≥ £6,000) | Lloyds | |
|
NatWest Business Credit Card | No card fee in the first year. | NatWest | |
|
Funding Circle FlexiPay | No welcome offer or sign-up bonus | Funding Circle | |
|
Santander Business Cashback Credit Card | No welcome offer or sign-up bonus | Santander |
Notes and definitions
- Each offer is checked against the issuer’s live application flow or product page on the date shown. An older verification date should not be treated as current.
- Spend thresholds and qualifying windows are set by the issuer. Missing the window by a day usually costs you the bonus entirely; issuers are not in the habit of being generous about timing.
- Bonus points and miles do not carry a fixed cash value. We don’t estimate what the reward is “worth”, because the answer depends on how you redeem, not what the issuer’s marketing implies.
- “None” means the issuer’s published materials stated no current introductory offer when we checked. Silence from marketing is not a guarantee: a rep may still mention an unpublished deal when you call.