Cover your everyday expenses without eating into your cash reserves
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
Whether you are small business looking for one of our market leading business credit cards or a larger organisations looking for a charge card / virtual card solutions – you can compare our products below. Our cards are 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.
£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
£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
56 days interest-free credit period on purchases
No charges for purchases abroad
Could be ideal if you have multiple employees in your business who make business purchases
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
£45 annual fee per cardholder
Easier VAT reclaims as you won’t need invoices to reclaim VAT
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
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
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
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.
