Business cards

Cover your everyday expenses without eating into your cash reserves

What is a business card?

Our business cards provide a flexible and practical way to manage your business finances, whether you need convenient borrowing for expenses or instant cash withdrawal. Each of our business cards offer a solution to your financial need, giving you access to cash in a way that suits your business needs.

Our business card benefits

Make contactless payments with our business cards

Our credit cards and onecard options come with the ClearSpend app available to manage your account efficiently

Could help you manage your cashflow and business expenses

They’re a convenient way to manage expenses

Can be used to pay for goods and services

What type of business bank cards are there?

Below you can compare our business card products we can offer with your Business Account, ideal for making secure transactions and giving you flexible banking at your fingertips.

To apply you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with NatWest. Your registered business address must also be in the UK and you should be registered for tax purposes in the UK. Subject to status, for business use only.

Business debit card

Transaction fees may apply

Card type – Debit Card

Free cash withdrawals. Withdraw up to £1,500 per day from UK cash machines

Emergency Cash. Don't panic, we've got you covered with emergency access to your cash. Limits apply

Contactless payments. Make payments quick and simple with contactless technology

Business credit card

You will need to have an annual turnover of under £2M to apply. Representative 24.3% APR (variable). Annual fee applies

Card type – Credit card. Must make a minimum payment each month

Available to Sole traders, Limited companies, Limited liability partnerships, Partnerships, Charities, Clubs and Societies

£30 annual fee per cardholder – no card fee in the first year

No annual card fee after the first year if you spend £6,000 or more every year from account opening

56 days interest-free credit period on purchases

ClearSpend app available to manage your account efficiently

Minimum credit limit of £500, maximum subject to status

Business Plus credit card

You will need to have an annual turnover of under £2M to apply. Representative 29% APR (variable). Annual fee applies

Card type – Credit card. Must make a minimum payment each month

Available to Limited companies, Limited liability partnerships, Partnerships (of 4 or more partners) and Charitable incorporated organisations

£70 annual fee per cardholder

Earn 2% cashback on eligible trade/business suppliers, 1% on eligible fuel and accommodation and 0.5% on everything else. Cashback limited to £400 per year per customer

56 days interest-free credit period on purchases

No charges for purchases abroad

ClearSpend app available to manage your account efficiently

Minimum credit limit of £500, maximum subject to status

onecard

You will need to have an annual turnover of £2M or above to apply. Annual fee applies

Card type – Charge card

Available to Limited companies, Limited liability partnerships, Partnerships (of 4 or more partners) and Charitable incorporated organisations

Ideal if you have multiple employees in your business who make business purchases 

Available under the Public Sector Card (PSC) framework agreement

£45 annual fee per cardholder

Centralised billing as all card spend is consolidated to a single monthly statement settled in one amount by your business 

Easier VAT reclaims as you won’t need invoices to reclaim VAT

Virtual card solutions

You will need to have an annual turnover of £25m or above to apply

Card type – Charge card

Available to corporate companies with a turnover of £25M or more.

Available under the Public Sector Card (PSC) framework agreement

Ideal if you have lots of employees who travel for business

Interest free credit – up to 56 days' interest-free credit

Free travel assistance – pre-travel advice, medical and legal advice when abroad and baggage delay cover

Insurance cover – corporate liability waiver insurance covers your business against employee misuse

Travel policy compliance – detailed reporting makes it easier to monitor travel expenditure

Bespoke reports – these can be incorporated directly into your general ledger or ERP system

Something else we can help you with?