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business-owners

A Business credit card for flexible spending and tailored rewards

Why get our business credit card?

1% cashback at eligible fuel and electric vehicle charging stations

You could earn cashback on fuel (petrol, diesel, and LPG) at stations like Esso, BP, Shell, Morrisons, Sainsbury's, and Tesco.

You could also earn cashback on electric vehicle charging at commercial points like Gridserve, Tesla, Pod Point, and Chargemaster

For more information see the Cashback Scheme Terms and Conditions (PDF, 77KB)

Flexible monthly payments

Pay at least the greater of £5 or the month’s interest, any default charges, 1/12th of your annual fee, or 3% of your balance (excluding the annual fee). You can also pay off the full amount or make additional payments.

Manage your spending

ClearSpend is a convenient, free mobile application available on iOS and Android.

Set up reports to help you check and analyse business spending with Smart Data Online.

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What is a business credit card?

Business credit cards are a way for companies to borrow money day-to-day. They’re similar to personal credit cards, allowing business owners or their employees to buy goods and services on credit. Your company pays the money back later, usually with interest.

Our business credit card could be ideal for businesses with a turnover under £2m, offering flexible features and potential cashback.
 

  • No annual fee for the first year
  • Earn 1% cashback at eligible fuel and EV charging stations
  • Up to 56 days interest-free when you pay your balance in full
  • Access to cashback offers through Business Savings from Mastercard
  • Minimum credit limit of £500; maximum limit based on status
  • Rated 5 stars by Moneyfacts, so you can have confidence in your choice

Automatically earn cashback on your business essentials

You could earn automatic cashback on the things that help you run your business. Business Savings from Mastercard is a free merchant discount programme available with the NatWest Business credit card. 

Restrictions apply. Participating merchants and cashback offers subject to change. Terms apply.

Representative example

Representative APR

24.3%

(variable)

Purchase rate

16.9%

p.a. (variable)

Assumed credit limit

£1,200

Annual fee

£30

(for each card)

More information

Card Fees and Charges

You will incur charges if you make a late payment or go over your credit card limit.

Allocation of payments

If you don’t pay off your balance in full, there’s a specific order that your payments are applied.

I want to apply

To speed up your application, we need to ask a few questions. It'll only take a minute..

Are you a...

Our business credit card is for our business bank account customers.

If you want to become a NatWest customer, please check out our business bank account. When you apply for a business bank account you have the option to apply for the business credit card at the same time (subject to status).

Our business bank accounts

What is your annual turnover?

Great, here's some important information

Here are some things we need from you...

Personal details:

Home addresses (and the date you moved there)

Business details:

Average turnover per annum

Month and year business started trading

To apply for our Business credit card, you must meet these requirements

You’re a UK resident aged 18 and over

You’re a director of the business you’re applying on behalf of

You have not been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Your registered business address must be in the United Kingdom and you should be registered for tax purposes in the UK

You must maintain a business bank account in the same legal entity name with Natwest

Important documents to read

 

Business credit card terms and conditions applicable for Sole Traders, Partnerships (of up to 3 partners), or unincorporated associations (such as Charities, Clubs, Societies or Associations):

Terms and conditions (PDF, 449KB)

Business credit card cashback terms and conditions (PDF, 1MB)

 

Business credit card terms and conditions applicable for Limited Companies, Limited Liability Partnerships, Partnerships (of 4 or more partners) and Charitable Incorporated Organisations:

Terms and conditions (PDF, 307KB)

Business credit card cashback terms and conditions (PDF, 1MB)

 

Standards of Lending Practice

 

We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.

You may wish to take advice from an independent financial advisor, charity (for example, Citizens Advice) or not-for-profit organisation before entering in to a credit agreement with us. More details can be found on our Standards of Lending Practice for Business Customers page.

Thanks! Looks like you’re all set and ready to begin

By starting your application, you confirm that you're giving us consent to run a credit check on you and any other people listed on your application.

You can apply for one of our other cards products

Our Business credit card is available to businesses with an annual turnover of £2m or less. If your annual turnover is above £2m, please visit our compare business cards page for more information. 

 

You can complete the additional cardholder application form

To add cardholders to your credit card, please complete the digital form: 

Open digital form

Business credit card FAQs

Standards of Lending Practice

We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.

You may wish to take advice from an independent financial advisor, charity (for example, Citizens Advice) or not-for-profit organisation before entering in to a credit agreement with us.

More details can be found on our Standards of Lending Practice for Business Customers page.

Something else we can help you with?