Business credit card

Smooth out your cashflow with our credit card

No annual card fee for the first year (normally £30)

No annual card fee after the first year if you spend £6,000 or more every year from account opening

56 days interest-free credit period on purchases

ClearSpend app available to manage your account efficiently

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

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)

This card in detail…


Interest-free credit period of 56 days

Flexible monthly payments

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.

Cards Online

See your Business credit card account in real time. View up to 13 months of transactions and statements online.

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 credit 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

I want to apply

Great, thanks for choosing our business credit card. Let’s get started. 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


Here’s another type of business lending we can offer you even if you’re not an existing customer

Small Business Loan
A fast, affordable way to help your business
Find out more

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

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


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

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

Thanks! Looks like you’re all set and ready to begin

By starting your application, you confirm that you're giving us consent to run a credit check on you and any other people listed on your application.

You can download the additional cardholder application form

What you should know

When returning the application form

To avoid delays, or the application form being returned, please make sure you’ve completed ALL sections. If we have to decline your application, we’ll send you an email or text message. If your application has been fully completed and is successful we’ll text you and you should receive your new card and PIN within 10-12 working days.

When you’ve completed the application form

Please scan and email the application to Business Credit Card Applications. We'll text you to let you know that we've received your application. If you are unable to scan and e-mail the application, please mail to Cards Customer Services, PO Box 5747, Southend-On-Sea SS1 9AJ, Depot Code 028