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Business cards

Cover your everyday expenses without eating into your cash reserves

Compare business cards*

Our cards in more detail

Whether you are a small business looking for one of our market leading business credit cards or a larger organisation looking for a charge card / virtual card solution – you can compare our products below. Our cards are ideal for making secure transactions and giving you flexible banking at your fingertips.

Business credit card

Annual turnover under £2M required to apply. Annual fee applies

  • Representative 24.3% APR (variable)
  • £30 annual fee per cardholder – no card fee in the first year
  • Annual fee of £30 waived from the second year onwards if you spend £6,000 or more each year
  • 56 days interest-free credit period on purchases

Business Plus credit card

Annual turnover under £6.5M required to apply. Annual fee applies

  • Representative 29% APR (variable)
  • £70 annual fee per cardholder
  • Earn up to 2% cashback on eligible suppliers, fuel, accommodation and more. Cashback limited to £400 per year
  • 56 days interest-free credit period on purchases
  • No charges for purchases abroad

onecard

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

  • Could be ideal if you have multiple employees who make business purchases
  • £45 annual fee per cardholder
  • Available to Limited companies, Limited liability partnerships, Partnerships (of 4 or more partners) and Charitable incorporated organisations
  • Available under the Public Sector Card (PSC) framework agreement
  • Easier VAT reclaims

Business debit card

Transaction fees may apply

  • 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

Virtual card solutions

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

  • Available under the Public Sector Card (PSC) framework agreement
  • Ideal if you have lots of employees who travel for work
  • Interest free credit – up to 56 days' interest-free credit
  • Supporting travel policy compliance – reporting makes it easier to monitor travel expenditure
  • Bespoke reports – these can be incorporated directly into your general ledger or ERP system

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

Useful info about our business banking cards

Currency Conversion Tool to help you with your spending abroad

This service is to help you understand the charges associated with cross border payments made on your card. Access our online tool here and enter details of your transaction. It will provide you with currency conversion charges based on the European Central Bank daily rate. Figures displayed in the tool change daily and will be provided so you can compare our fees with other banks fees in Europe.

More support from NatWest

Tyl by NatWest

Make it easier for your customers to pay you in a way that’s fast and secure for everyone.

Start up Account

The Start up business account is available for businesses that have been trading for less than 1 year and have a turnover of less than £1m.

Business Builder

Business Builder has been developed to support businesses and entrepreneurs at all stages.

Something else we can help you with?