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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

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

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

£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

You will need to have an annual turnover of under £6.5M to apply. Representative 29% APR (variable). Annual fee applies

£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

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 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

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 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

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?