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Business credit card

Smooth out your cashflow with our credit card

Manage your business expenses with our Business credit card

Our NatWest business credit card is a perfect company credit card for those with a turnover under £2m. Get waived credit card fees in your first year and benefit from an interest-free period of up to 56 days when you pay your balance in full.

No annual business credit card fee for the first year (normally £30). The fee will also be waived from the second year onwards if you spend £6,000 or more each year

ClearSpend app available to manage your account efficiently

Minimum credit limit of £500, maximum credit limit subject to status

The NatWest Business Credit Card has a 5* Moneyfacts rating, so you can select the card with confidence

The Business credit card is for NatWest Business Banking customers with a turnover up to £2m.

Enjoy merchant discounts with Mastercard® Business Savings

Business Savings from Mastercard is a free merchant discount programme available with the NatWest Business credit card. You could earn automatic rebates on the things that help you run your business.

Restrictions apply. Participating merchants and rebate offers subject to change. Terms apply.

Representative example

Representative APR

24.3%
(variable)

Purchase rate

16.9%
p.a. (variable)

Assumed credit limit

£1,200

Annual fee

£30
(for each card)

Use Apple Pay and Google Pay

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. It keeps you from having to touch physical buttons or exchange cash when you’re out getting what you need. 

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.

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

Our business credit card in detail...

Features

Interest-free credit period of up to 56 days

If you pay your balance in full, you get up to 56 days interest-free credit on purchases made with our business credit card.

Flexible monthly payments

Pay a minimum of the greater of, £5 or that months interest, any default charges, 1/12th of any annual fee and 3% of the remaining balance (excluding any annual fee) or repay the full amount, and if you want to pay more than the minimum, you’re able to make additional payments. You can find out more about minimum payments in the "Charges" tab.

Annual card fee waiver

The annual fee is normally £30 per business credit card issued. However, we won’t charge a fee for the first 12 months, and if you spend £6,000 or more every year from account opening we’ll waive the annual fee each year.

Benefits

Manage your spending with ClearSpend

ClearSpend is a new, convenient, free mobile application available on iOS and Android.

Smart Data Online

Set up reports to help you check and analyse business spending.

Charges

Allocation of payments

If you don’t pay off your balance in full, there’s a specific order that your payments are applied.

Minimum repayment

The minimum payment will be the greater of: £5 or the full balance if less; or that month’s interest, any Default Charges, 1/12th of any annual fee and 3% of the remaining balance (excluding any annual fee). Remember: if you only make the minimum payment it will take longer and cost more to clear your balance.

Other charges and fees

You will incur charges if you make a late payment or go over your business credit card limit.

Transfers

Balance transfer to the NatWest Business credit card

Why not move the money you owe from your other Business cards? It could mean you pay less interest. Fees may apply.

The perfect small business credit card

If you are an SME with a turnover of £2m or less, our business credit card is a great option to consider if you are looking for a company credit card. You will not pay the £30 annual fee in the first year, with a chance to waive the business credit card fee from the second year onwards when you spend £6,000 or more every year. Be confident with a card rated five stars by Moneyfacts, helping you effectively run your business’ day-to-day finance.

 

To apply, you need to be an existing NatWest Business Banking customer. If you don’t have an account with us yet, see all of our business bank accounts and choose one that fits your business needs.

More information

Useful info about Business credit cards

Ready to apply?

To speed up your application, we need to ask a few questions. It'll only take a minute..

Are you a...

Our business credit card is for our business bank account customers.

If you want to become a NatWest customer, please check out our business bank account. When you apply for a business bank account you have the option to apply for the business credit card at the same time (subject to status).

Our business bank accounts

Great, here's some important information

Here are some things we need from you...

Personal details:

Home addresses (and the date you moved there)

Business details:

Average turnover per annum

Month and year business started trading

To apply for our Business credit card, you must meet these requirements

You’re a UK resident aged 18 and over

You’re a director of the business you’re applying on behalf of

You have not been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree

Your registered business address must be in the United Kingdom and you should be registered for tax purposes in the UK

You must maintain a business bank account in the same legal entity name with Natwest

Important documents to read

 

Business credit card terms and conditions applicable for Sole Traders, Partnerships (of up to 3 partners), or unincorporated associations (such as Charities, Clubs, Societies or Associations):

Terms and conditions (PDF, 1.5MB)

 

Business credit card terms and conditions applicable for Limited Companies, Limited Liability Partnerships, Partnerships (of 4 or more partners) and Charitable Incorporated Organisations:

Terms and conditions (PDF, 1.5MB)

 

Standards of Lending Practice

We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.

You may wish to take advice from an independent financial advisor, charity (for example, Citizens Advice) or not-for-profit organisation before entering in to a credit agreement with us. More details can be found on our Standards of Lending Practice for Business Customers page.

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