Business credit cards

Cover your everyday expenses without eating into your cash reserves

Stay on top of your expenses with one of our credit cards

Could help to keep your cashflow steady

They’re a convenient way to manage expenses

Can be used to pay for goods and services

Can help build your business credit profile for future borrowing 

Pick from two business credit cards

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 credit card

Representative 24.3% APR (variable). Annual fee applies.

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

Representative 29% APR (variable). Annual fee applies.

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

Still got questions? Here are some answers

You’ll need the personal details of all of the directors or partners of the business (including their home addresses for the last two years). You’ll also need your basic business details, including your Company’s Registration Number (provided by Companies House) if you’re a limited company. The "Ready to apply" sections on the product pages will help you to prepare.

If you want to transfer a balance to your credit card please call the NatWest business team. There is no interest free period on balance transfers. 

You bet! You can use your business credit card to pay for goods and services or withdraw cash almost anywhere in the world. Just look out for the MasterCard logo.

Just give us a call on 0370 909 3701

To add an additional cardholder, please fill out and return our additional card holder form.

Yes you do. Our business credit card is only available to existing NatWest business customers. If you want to become a business customer take a look at our business current accounts.  

  • For Lost & Stolen (24/7) 0370 6000 459 (+44 01423700545 when calling from abroad)
  • Fraud Queries 0345 300 4351 (+44 1268 508020 when calling from abroad)
  • Chargebacks & Disputes 0370 909 3701 (Option 2)/ e-mail Credit Disputes Cards Online 0370 909 3701 (Option 4)

Additional support for your business

Manage your business credit cards

Keep on top of your business credit card with our handy online tools to help you manage your cashflow.

Keeping costs down

We asked business leaders how they keep a lid on costs and sum it up in five key points.

Boost your cashflow

Having a healthy cashflow can determine if a business succeeds or fails. Our cashflow management guide is here to help.

Something else we can help you with?