Business Credit Cards

Compare Business Credit Cards With Proper Finance

Which business credit card providers do we work with?

We compare dozens of the biggest credit card providers in the country, including:

What Is a Business Credit Card?

A business credit card could be beneficial if you run a company or make purchases on behalf of the firm you work for. It helps employees to keep their personal finances and their business expenses completely separate, as the card is in the company’s name. Signing up comes with certain perks including Avios air miles and cash back.

What Are the Benefits of Using Business Credit Cards? 

Scalable: You can receive additional cards, meaning several employees can be provided with cards linked to one business account, with only one bill to pay.

Cash flow: The 30-day payment terms helps with cash flow so that you can still purchase items, stock or equipment for the company whilst waiting for your invoices to be paid. You also have immediate access to funds in the event of an emergency.

Organised: You can keep on track of spending of an individual or department through the card’s itemised statements. Business credit cards and commonly used to pay for work expenses and make your accounting more straightforward.

Protection: You can receive extra protection if you spend in the UK or abroad compared to other cards available.

Introductory fees: Many card providers include no fees if you pay within 56 days and other rewards include credit cards with air miles and cashback.

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Who Can Use a Business Credit Card?

The following can apply for a business credit card:

Why Apply for a Business Credit Card With Proper Finance?

Approachable

We aim to be as approachable as possible for our customers, and will always do our very best to assist you with any and all queries you may have concerning any part of our application process and more.

Fast decisions

Our online application only takes minutes to complete, with decisions being made very quickly after this. A member of staff will contact you to help you proceed with the final steps.

Reputable and trustworthy

Each and every one of the providers we work with are fully checked to ensure their reputability, their trustworthiness, and furthermore their competency in helping to provide you with the financial services you require.

Free online application

The Proper Finance comparison site is free to use and there are no upfront fees for filling in our online application.

Can I get rewards on my business credit card?

Yes, some providers give you a percentage of all money spent in the form of air miles, shopping vouchers or cashback.

Is a credit record check carried out?

Yes. the credit card provider will carry out a check in order to determine eligibility, however, Proper Finance is able to offer a soft check that will be able to give you a pre-quote based on other information and no impact on your credit score.

Whose credit record do they check for a business credit card?

In most cases, it is the company’s credit record that is reviewed, however, this will depend on the individual circumstance. For example, if you are a sole trader, the provider may check your own credit record, as well as that of the business’.

Will my own credit file be affected by having a business credit card?

No, any payments or activity will not be included on your personal credit record.

Are there annual fees for a business credit card?

Yes, some providers charge annual fees, others do not, or they are no fees for the first year. The annual fee is typically no more than £30 per year.

Are there other charges for using a business credit card?

Yes, as with other types of credit cards, they charge fees for things such as missing a repayment, withdrawing cash on your credit card, going over your credit limit and spending abroad on the card.

Is a business current account needed to make an application?

No, it is not necessary to have a business current account to be eligible for a business credit card.

What is the credit limit for a business credit card?

The credit limit is set by the provider and can vary, based on the company’s credit record, turnover and staff.