1.Capital on Tap Business Credit Card
Capital on Tap
- 1%Cashback on all eligible business spend
Earn 10,000 points on Pro tier when you spend £5,000 in your first 3 months, or 7,500 bonus points worth £75 on the free tier with specific partner codes after your first transaction.
Earn 1% cashback or Avios points on every purchase.
13.86%-86.24% Variable APR
The Capital on Tap Business Credit Card stands out as the top choice because it offers uncapped 1% cashback on all business spending with no annual fee, making it an excellent option for small businesses looking to maximize their rewards without incurring extra costs.
Pros:
- No annual fee
- Uncapped cashback
Cons:
- Requires £2,000 spend for cashback
- Limited welcome bonus on free tier
2.American Express Business Gold Card
American Express
- 4%Points on top two eligible categories
- 1%Points on all other purchases
Earn 20,000 Membership Rewards points when you spend £3,000 in the first three months.
Earn 4X points on the top two eligible spending categories where your business spends the most each billing cycle.
29.1% Variable APR
What sets the American Express Business Gold Card apart is its ability to earn 4X points on the top two spending categories, allowing businesses to maximize their rewards based on their unique spending patterns, making it a valuable tool for frequent spenders.
Pros:
- High rewards on top spending categories
- Flexible payment options
Cons:
- High annual fee
- APR can be steep
3.Barclaycard Select Cashback Business Credit Card
Barclaycard
- 1%Cashback on all eligible business spend over £2,000
N/A
Get 1% cashback on all eligible business spend of £2,000 or more per statement month.
25.5% Variable APR
The standout feature here is the uncapped 1% cashback on all business spending, which makes the Barclaycard Select Cashback Business Credit Card an attractive option for businesses that regularly spend over £2,000 each month.
Pros:
- No annual fee
- Uncapped cashback
Cons:
- Requires £2,000 spend for cashback
- No welcome bonus
4.Funding Circle Business Cashback Credit Card
Funding Circle
- 2%Cashback for the first 6 months
- 1%Uncapped cashback after the first 6 months
2% cashback for the first 6 months on all spending, up to £2,000.
2% cashback for the first 6 months, then 1% uncapped cashback on all subsequent spending.
34.9% Variable APR
This card shines for its introductory offer of 2% cashback on all spending for the first six months, making it an excellent choice for businesses looking to maximize their rewards during their initial spending phase.
Pros:
- High initial cashback rate
- No annual fee
Cons:
- High APR
- Limited time for high cashback
5.Metro Bank Business Credit Card
Metro Bank
- No rewards breakdown available
N/A
No ongoing rewards or cashback program.
18.9% Variable APR
A key differentiator is the Metro Bank Business Credit Card's straightforward approach, focusing on low-cost borrowing with no annual fees and a flat APR, making it suitable for businesses that prioritize simplicity over rewards.
Pros:
- No annual fee
- Simple fee structure
Cons:
- No rewards program
- Limited features
Did you know?
Paying your statement in full avoids most APR charges. Rewards only beat interest costs when you never carry a balance.
Final Words
As you consider the best business credit cards available this September 2026 in the UK, remember that evaluating your spending habits and the rewards offered can significantly impact your choice. Take time to compare options, weigh the benefits, and make an informed decision that aligns with your business needs.
Frequently Asked Questions
Earn 10,000 points on Pro tier when you spend £5,000 in your first 3 months, or 7,500 bonus points worth £75 on the free tier with specific partner codes after your first transaction.
Earn 4X points on the top two eligible spending categories where your business spends the most each billing cycle, and 1% on all other purchases.
No, the Barclaycard Select Cashback Business Credit Card has an annual fee of £0, making it a cost-effective option for businesses looking to earn cashback.
Consider your business spending habits, the types of rewards you prefer, and whether you can meet any spending requirements for bonuses. Compare annual fees and interest rates to find a card that fits your budget and needs.
Eligibility requirements can vary by card, but generally, you need to be a UK resident, over 18 years old, and have a registered business. Some cards may require a minimum annual turnover or credit score.
To maximize rewards, focus your spending on categories that earn higher points or cashback, and pay off your balance in full each month to avoid interest charges. Additionally, take advantage of any welcome bonuses by meeting the required spending thresholds.
Many business credit cards charge foreign transaction fees, which can range from 1% to 3%. However, some cards, like the Capital on Tap Business Credit Card, have no foreign transaction fees, making them ideal for businesses that travel.
