Business cards

Cover your everyday expenses without eating into your cash reserves

Apple Pay and Google Pay now available

Apple Pay

Now more than ever, you should consider using Apple Pay to pay with your business debit and credit card. It’s contactless, safe and easy. And it keeps you from having to touch physical buttons or exchange cash when you’re out getting what you need. Learn more.

Apple Pay available on selected Apple devices. Retailer limits may apply.

Google Pay

Got an Android phone? You can store your card details in your secure Google account. Then use your phone to pay for anything from boarding passes to restaurant meals. Learn more.

Google Pay available on selected Android devices. Retailer limits may apply.

Compare business cards

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.

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


Annual turnover of £2M or above required 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

For annual turnovers of £25m or more
  • Available under the Public Sector Card (PSC) framework agreement
  • If you have lots of employees who travel for work
  • Interest free credit – up to 56 days' interest-free credit
  • 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.

Something else we can help you with?