1.American Express Business Gold Card
American Express
- 4%Points on top business categories
- 3%Points on flights/prepaid hotels
- 1%Points on other purchases
Earn 20,000 Membership Rewards points when you spend £3,000 in your first three months.
Earn 4X points on the top two eligible spending categories each billing cycle.
The American Express Business Gold Card stands out as the top choice because it allows businesses to earn 4X points on their most significant spending categories, maximizing rewards potential. This card is particularly beneficial for those who want to optimize their expenses while enjoying substantial rewards.
Pros:
- Earn 4X points on top business categories
- Ideal for businesses that frequently spend in those areas
Cons:
- High annual fee
- Spending threshold for bonus points
2.Capital on Tap Free Rewards Card
Capital on Tap
- 1%Cashback on all spending
Earn a 7,500-point bonus (worth £75) by using a specific referral code upon sign-up and making a transaction within 30 days.
Earn 1% uncapped cashback on all spending.
14.4%-36.19% Variable APR
What sets the Capital on Tap Free Rewards Card apart is its straightforward cashback structure and lack of annual fees, making it an excellent option for those looking to maximize their spending without incurring extra costs.
Pros:
- No annual fee
- Straightforward cashback structure
Cons:
- Lower reward rate compared to competitors
- Limited bonus opportunities
3.Barclaycard Select Cashback Business Card
Barclaycard
- 1%Cashback on spending over £2,000
- 0.5%Cashback on spending below £2,000
N/A
Earn 1% cashback on spending over £2,000 per statement month.
25.8%-26.1% Variable APR
The standout feature of the Barclaycard Select Cashback Business Card is its straightforward cashback structure, rewarding businesses with 1% on spending over £2,000 per month. This makes it an excellent choice for companies that consistently meet this threshold and want to earn rewards without incurring annual fees.
Pros:
- No annual fee
- Rewards for high spenders
Cons:
- Spending threshold for cashback
- Higher APR
- 1%Cashback on card spend
N/A
Earn up to 1% cashback on card spend.
This card shines for its modern spend management platform, offering unlimited virtual and physical cards along with customizable spending limits. It is tailored for scaling businesses looking for efficient expense management.
Pros:
- Unlimited virtual and physical cards
- Integration with accounting software
Cons:
- No traditional welcome bonus
- Limited cashback opportunities
5.Lloyds Business Credit Card
Lloyds
- 1%Cashback on fuel and EV charging
- 0.5%Cashback on other purchases
Earn up to £250 for switching bank accounts.
Earn 1% cashback on fuel/EV charging and 0.5% on other purchases.
15.95% Variable APR
A key differentiator is the Lloyds Business Credit Card's combination of cashback on fuel and EV charging, along with flexible repayment options. This card is particularly appealing for businesses looking to manage expenses effectively while earning rewards.
Pros:
- No annual fee for the first 12 months
- Flexible repayment options
Cons:
- Annual fee after the first year
- Minimum spend threshold for cashback
Final Words
As you explore the best business credit cards this February 2026 in the UK, remember that the right card can significantly enhance your financial strategy and reward potential. Take time to compare your options carefully and consider your unique business needs to make an informed decision that best suits your financial goals.
Frequently Asked Questions
The American Express Business Gold Card offers a welcome bonus of 20,000 Membership Rewards points when you spend £3,000 in your first three months. You can earn 4X points on the top two eligible spending categories each billing cycle, making it ideal for businesses with varied spending needs.
No, the Capital on Tap Free Rewards Card has an annual fee of £0, making it a cost-effective option for businesses. Additionally, you can earn a 7,500-point bonus (worth £75) by using a specific referral code and making a transaction within 30 days of sign-up.
The Barclaycard Select Cashback Business Card does not offer a welcome bonus. You can earn 1% cashback on spending over £2,000 per statement month and 0.5% cashback on spending below £2,000, which can benefit businesses with higher monthly expenses.
When choosing a business credit card, consider factors like your spending habits, the types of rewards offered, annual fees, and any introductory bonuses. It's also important to evaluate the APR and how it aligns with your cash flow needs.
Most business credit cards allow you to earn rewards on all purchases; however, the rate may vary. For instance, the Capital on Tap Free Rewards Card earns 1% uncapped cashback on all spending, while the American Express Business Gold Card offers higher points on selected categories.
The application process for business credit cards typically involves providing personal and business information, including your business revenue and credit history. Many issuers allow online applications, which can be processed quickly, often resulting in a decision within minutes.
It's essential to review the terms and conditions of any business credit card, as some may have hidden fees such as foreign transaction fees, late payment fees, or cash advance fees. Always read the fine print to avoid unexpected charges.
