Last updated: 18 Jun 2026

BUSINESS CREDIT CARDS

Apply and compare business credit cards

If your business is growing quickly, or if you need fast access to cash, a business credit card could help.

With access to 130+ business lenders, we can help you find the right option.

Check your eligibility
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  • Apply for a credit card, in minutes

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  • Free business credit card eligibility check

Is my business eligible for a credit card?

Businesses of all sizes can be eligible for a credit card, though start-ups or less established companies may find it more challenging. This is because younger businesses will have a limited credit history and your eligibility will primarily depend on your business credit score. 

When you apply, the credit provider will run a credit check to determine whether they want to offer you a card and what your credit limit will be.

They may also review bank statements and repayment histories to assess your ability to manage credit card payments. In some cases, they may consider your personal credit score if you are the business owner.

You can check your eligibility for a credit card in minutes with a Capitalise account. 

Why get a business credit card?

When suppliers need to be paid, a project requires more investment, or your day-to-day cash is running low, a credit card can provide a quick cash injection for your business. Credit cards can help manage cash flow, spread costs, and even improve your business's credit profile by building your credit history.

  • Fast turnaround time 

  • Flexible repayment options 

  • Instant decisions on your eligibility

  • Credit card rewards on your business spend

Getting business credit cards, fast. 

  • Apply by leaving a few details about your business and funding need 

  • Check your eligibility for funding instantly

  • Start building your credit history

What types of business credit cards are available?

  • Rewards business credit cards

    Earn points, Avios miles, or Membership Rewards on every pound your business spends. Ideal for companies with high regular expenditure on travel, suppliers, or subscriptions. The more you spend, the more value you get back.

  • Cashback business credit cards

    Earn cashback as a percentage of your total spend each month or year. It is simpler than collecting points because the value is clear straight away. Best for businesses that want straightforward cost reduction without managing a rewards programme.

  • Business credit cards for bad credit

    Some specialist providers offer cards to businesses with a limited or adverse credit history. Credit limits may be lower at first, but responsible use can help strengthen your credit profile over time.

  • Startup business credit cards

    Designed for businesses in their early stages, these cards usually consider your personal credit score and projected revenue rather than requiring several years of business accounts.

Compare business credit cards

At Capitalise, we partner with over 130 UK lenders, including business credit card providers. With an account, you can compare offers to find the best credit card for your business. When deciding on a business credit card provider, you can look out for which of them has the following:

  • Best rewards

  • Best cashback offers

  • Lowest APR

This way, you can find the best credit card for your business needs.

What do you need to apply for business credit cards?

To make the application process as quick as possible, you’ll need the following information on hand to apply:

  • Details about your business turnover

  • Director details (including address and phone number)

  • 3-6 months business bank statements.

How to apply for a business credit card

  • Green circle with a white number "1" in the center.

    Tell us about your business

    Share a few details about your company, including your business type, how long you've been trading, and roughly what credit limit you're looking for. This takes just a couple of minutes.

  • Green circle with white number "2" in the center.

    We match you to the right providers

    Using your business credit score and information, we then match you with the card providers most likely to approve you, with no hard credit search and no impact on your score.

  • Green circle with the white number 3 in the center.

    Compare your options

    Review any offers side by side, including APR, credit limit, fees, and rewards. Choose the right card for your business and get a decision fast. If approved, you can usually access funds within 24 hours.

What are the alternative options to business credit cards?

Apply and compare business credit cards today

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