Business credit card

Smooth out your cashflow with our credit card

Manage your business expenses with our Business credit card

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.

Representative example

Representative APR


Purchase rate

p.a. (variable)

Assumed credit limit


Annual fee

(for each card)

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.

This business credit card in detail...


Interest-free credit period of 56 days

If you pay your balance in full, you get 56 days interest-free credit on purchases.

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 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.


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.


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.


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.

More information

Useful info about Business credit cards

Apply for business credit card

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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)

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