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business-owners

A Business credit card for flexible spending and tailored rewards

Why get our business credit card?

1% cashback at eligible fuel and electric vehicle charging stations

You could earn cashback on fuel (petrol, diesel, and LPG) at stations like Esso, BP, Shell, Morrisons, Sainsbury's, and Tesco.

You could also earn cashback on electric vehicle charging at commercial points like Gridserve, Tesla, Pod Point, and Chargemaster

For more information see the Cashback Scheme Terms and Conditions (PDF, 77KB)

Flexible monthly payments

Pay at least the greater of £5 or the month’s interest, any default charges, 1/12th of your annual fee, or 3% of your balance (excluding the annual fee). You can also pay off the full amount or make additional payments.

Manage your spending

ClearSpend is a convenient, free mobile application available on iOS and Android.

Set up reports to help you check and analyse business spending with Smart Data Online.

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What is a business credit card?

Business credit cards are a way for companies to borrow money day-to-day. They’re similar to personal credit cards, allowing business owners or their employees to buy goods and services on credit. Your company pays the money back later, usually with interest.

Our business credit card could be ideal for businesses with a turnover under £2m, offering flexible features and potential cashback.

 

  • No annual fee for the first year
  • Earn 1% cashback at eligible fuel and EV charging stations
  • Up to 56 days interest-free when you pay your balance in full
  • Access to cashback offers through Business Savings from Mastercard
  • Minimum credit limit of £500; maximum limit based on status
  • Rated 5 stars by Moneyfacts, so you can have confidence in your choice
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    Automatically earn cashback on your business essentials

    Business Savings from Mastercard is a free merchant discount programme available with the Royal Bank of Scotland Business credit card. You could earn automatic cashback on the things that help you run your business.

    Restrictions apply. Participating merchants and cashback offers subject to change. Terms apply.

    Representative example

    Representative APR

    24.3%

    (variable)

    Purchase rate

    16.9%

    p.a. (variable)

    Assumed credit limit

    £1,200

    Annual fee

    £30

    (for each card)

    Card Fees and Charges

    You will incur charges if you make a late payment or go over your credit card limit.

    Allocation of payments

    If you don’t pay off your balance in full, there’s a specific order that your payments are applied.

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    Business credit card FAQs

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