Best Business Credit Cards this May 2026 in the UK

What sets the Capital on Tap Business Pro Card apart is its premium features, including higher cashback rates on preloaded spending and exclusive benefits that cater specifically to small business owners, making it a strong contender for those looking to enhance their business expenses.

Eligibility for the Capital on Tap Business Pro Card requires you to be an active director or majority shareholder (25% or more) of a private limited company (Ltd) or limited liability partnership (LLP) registered in the UK.

The standout feature here is the impressive 2% cashback for the first six months, which allows businesses to earn significant rewards on their spending, making the Funding Circle Business Cashback Credit Card an attractive option for those looking to maximize their cash back.

The Funding Circle Business Cashback Credit Card allows you to earn 2% cashback on your purchases for the first 6 months, helping you save money and improve your bottom line.

The best option for cashback is the Funding Circle Business Cashback Credit Card, which offers 2% cashback for the first 6 months and 1% uncapped cashback thereafter.

The Funding Circle Business Cashback Credit Card offers 2% cashback for the first 6 months and 1% uncapped cashback on all spending after that.

The annual fee for the Funding Circle Business Cashback Credit Card is £0.

The APR for the Funding Circle Business Cashback Credit Card ranges from 14.9% to 34.9% Variable APR.

This card shines for its exceptional rewards on travel-related purchases, allowing cardholders to earn double points when booking through American Express Travel, making it a top choice for businesses that frequently travel.

The American Express Business Gold Card does not have a preset spending limit; your purchasing power adjusts based on your business profile, payment history, and account activity.

Getting the American Express Business Gold Card is manageable with a credit score of at least 670, consistent income, and a positive payment history with at least one other card.

The annual fee for the American Express Business Gold Card is £0.

You can earn 60,000 Membership Rewards points when you spend £6,000 in the first three months.

You earn 2X points for every £1 spent on American Express Travel.

A key differentiator is the straightforward cashback structure, which allows businesses to earn 1% on all eligible spending, making the Barclaycard Select Cashback Business Card a practical choice for those who can meet the minimum spend threshold.

You can earn 1% cashback on all eligible business spend, which can help you save money and improve your bottom line.

The annual fee is £0.

Cashback credit cards reward you with a percentage of each purchase, while standard credit cards do not offer this benefit.

The APR is 25.5% Variable APR.

You can get 1% cashback on all eligible business spend of £2,000 or more per statement month.

Moss Smart Corporate Cards provide a unique solution for businesses looking to manage expenses with real-time tracking and customizable limits, making them ideal for companies with varying spending needs.

To qualify for the Moss Smart Corporate Card, a company must be established for at least two years with a minimum annual turnover of £10 crores.

Yes, thousands of businesses across the UK and Europe use Moss Smart Corporate Cards to manage their business expenses.

A corporate credit card, like the Moss Smart Corporate Card, is used to cover approved company expenses such as travel, supplies, and client entertainment.

This card is particularly appealing for businesses that frequently spend on fuel, as it offers a solid cashback rate on fuel and electric vehicle charging, making it a practical choice for those in transportation or logistics.

Yes, you can apply for a Lloyds Business Credit Card if you are an existing Business Current Account holder, a sole trader, partner, or company director with borrowing authority.