What is a business credit card?
A business credit card is a card issued to a company rather than an individual. You use it for company spending — stock, software, fuel, travel — and repay the balance monthly, either in full or over time with interest. For a limited company it keeps business and personal money cleanly separated, which makes your bookkeeping and year-end far simpler.
How they differ from personal cards
The card is in the company's name, the spending sits on the company's books, and the limits are usually higher than a personal card. Many also add tools a sole consumer card won't: multiple employee cards with individual limits, expense tracking, and direct feeds into accounting software like Xero or QuickBooks.
Who can apply
- Limited companies, LLPs and PLCs — the cleanest fit, and the focus of our reviews.
- Most providers run a soft search first, so checking eligibility won't mark your credit file.
- A director's personal credit and the company's turnover both usually factor into the decision.
See this month's top business cards, scored against the same five criteria.
See the best business cardsWhat to look for
Weigh the things that actually affect you: the annual fee, the rewards rate and whether it's capped, foreign-exchange charges if you buy abroad, the credit limit, and how easily it plugs into your accounting. The headline cashback rate is rarely the whole story — a "free" card with simple uncapped rewards often beats a flashier one with conditions.