UK Business Credit Card Eligibility Index: Ltd Company and LLP Rules
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UK Business Credit Card Eligibility Index: Ltd Company and LLP Rules

Piers Moore-Ede
Updated on 8 July 2026

12 cards · sourced directly from issuer documentation · last traced · every figure linked to its source

Not every UK business credit card will accept every legal structure. Some issuers take limited companies and LLPs both. Others restrict their cards to one or the other, and not all of them shout about it.

Meeting entity rules is the floor, not the ceiling. Credit score, trading history and turnover hurdles all sit on top, and can still refuse you after the entity check clears.

If this dataset says a card is open to LLPs and your application is declined, it is almost certainly the credit rules, not the entity rules, that killed it.

Every entry here was checked against the issuer’s live product page or application eligibility screen, not a general help article. Help-centre copy drifts out of step with the actual underwriting rules more often than you’d expect.

Scope: UK incorporated businesses only (limited companies and LLPs). Sole trader and consumer cards are excluded. How we research this data.

Card Eligible Business Types Verified Source
American Express Basic Business Card Limited company, LLP American Express
American Express Business Gold Card Limited company, LLP American Express
American Express Business Platinum Card Limited company, LLP American Express
Barclaycard Premium Plus Business Credit Card business owner or director with an annual turnover between £10,000 and £6,500,000 Barclaycard
Barclaycard Select Cashback Business Credit Card Sole trader, Partnership, Limited company Barclaycard
Capital on Tap Business Credit Card Limited company, LLP Capital on Tap
Funding Circle Cashback Business Credit Card Limited company Funding Circle
Funding Circle FlexiPay Limited company, LLP Funding Circle
HSBC Business Credit Card Sole trader, Partnership, Limited company, LLP HSBC
Lloyds Bank Business Credit Card Sole trader, Partnership, Limited company Lloyds
NatWest Business Credit Card maintain a business bank account in the same legal entity name with NatWest. Turnover must be up to £2m NatWest
Santander Business Cashback Credit Card You’re an existing Santander Business Current Account holder; Your business is based and registered in the UK Santander

Notes and definitions

  • Eligibility is checked against the issuer’s live product page or application eligibility screen, not a general help article. Help-centre copy drifts out of step with underwriting rules more often than you’d expect.
  • “Inferred” entries are based on the issuer’s own minimum criteria, such as a company-registration requirement that implicitly covers LLPs. The source link shows exactly what we read.
  • Entity-type eligibility is the structural gate. Credit score, trading history and turnover all apply on top, and can still refuse you after the entity check clears.
  • Sole trader and consumer cards are out of scope here. Their rules work differently, and mixing them in would blur the comparison for the businesses this dataset is built for.