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Best business credit cards for limited companies
We rated 9 cards on cost, rewards, flexibility, support and eligibility. Here's where they landed.
Last updated 19 June 2026 · written by the Happy Wallets team#1
Capital
on Tap Business
on Tap Business
VISA
CoCapital on TapBusiness card
Capital on Tap BusinessEditor's pick
9.2★★★★★★★★★★Our rating
Check eligibilityRates & fees
Annual fee
£0
Rewards
1% cashback
Credit up to
£250k
Best for
Everyday spend
No annual, ATM or FX fees · soft search firstRead full review
#2
Amex
Business Gold
Business Gold
VISA
AxAmex BusinessGold rewards card
Amex Business Gold
8.9★★★★★★★★★★Our rating
View offerRates & fees
Annual fee
£195 *
Rewards
Membership Rewards
Type
Credit card
Best for
Rewards & travel
Strong rewards and travel perks
#3
Amex
Business Cashback
Business Cashback
VISA
AxAmex BusinessCashback card
Amex Business Cashback
8.6★★★★★★★★★★Our rating
View offerRates & fees
Annual fee
£0
Rewards
Cashback
Type
Credit card
Best for
Simple cashback
Uncapped cashback, no annual fee
#4
Barclaycard
Select Cashback
Select Cashback
VISA
BarclaycardSelect Cashback
Barclaycard Select Cashback
8.4★★★★★★★★★★Our rating
View offerRates & fees
Annual fee
£0
Rewards
Cashback
Type
Credit card
Best for
Established firms
No-fee cashback from a big bank
#5
Tide
Business
Business
VISA
TiTideCard + account
Tide Business
8.6★★★★★★★★★★Our rating
Open accountRates & fees
Monthly fee
£0–£49.99
Cashback
0.5% top tier
Setup
~10 min
Best for
New companies
Card + account on day one, books built inRead full review
#6
Revolut
Business
Business
VISA
ReRevolutBusiness
Revolut Business
8.4★★★★★★★★★★Our rating
Open accountRates & fees
Monthly fee
£0+
Currencies
30+
FX from
0.4%
Best for
Spending abroad
Best for multi-currency spendingRead full review
#7
Pleo
VISA
PlPleoExpense cards
Pleo
8.3★★★★★★★★★★Our rating
Start freeRates & fees
Plan from
£0
Cards
Smart employee cards
Receipts
Auto-capture
Best for
Team expenses
Expense management built in
#8
Juni
VISA
JuJuniFor ecommerce
Juni
8.0★★★★★★★★★★Our rating
See JuniRates & fees
Monthly fee
£0+
Cashback
Up to ~1%
FX
Multi-currency
Best for
Online sellers
Built for ecommerce and ad spend
#9
ANNA
Money
Money
VISA
AnANNAAccount + card
ANNA Money
7.9★★★★★★★★★★Our rating
See ANNARates & fees
Monthly fee
£0+
Tax
Tax pots & invoicing
Support
24/7
Best for
Sole-director Ltds
Admin and tax help built inCompare accounts
Compare at a glance
| Card | Our rating | Annual fee | Rewards | Credit up to | Rep. APR |
|---|---|---|---|---|---|
| Capital on Tap | 9.2 | £0 | 1% cashback / Avios | £250,000 | 35.2% |
| Tide Business | 8.6 | £0–£49.99 | Up to 0.5% cashback | — | — |
| Revolut Business | 8.4 | £0+ | Low FX, multi-currency | — | — |
Frequently asked
Can a new company get a business card?+
Often yes. Many providers run a soft search and look at company turnover and the director's personal credit. New companies may start on a lower limit. An account-and-card option like Tide is usually the easiest day-one route.
Will applying affect my credit score?+
Checking eligibility usually uses a soft search — invisible to other lenders, no mark left. A hard search only happens once you accept an offer.
Do you earn money if I apply through you?+
Yes — a provider may pay us a commission, at no cost to you, and it never changes our scores or order. See how we rate.
Representative example: Capital on Tap 35.2% APR (variable), assumed credit limit £1,200, no annual fee. Subject to status; UK businesses only, minimum turnover applies. Figures are illustrative — confirm current terms with the provider before applying. Terms apply.