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Business Plus credit card
Earn cashback, and no foreign exchange charges
Product fees may apply. To apply, you must be a UK resident aged 18 or over. You must maintain a business bank account in the same legal entity name with Royal Bank of Scotland. Subject to status, business use only. UK businesses only. Cashback is limited to £600 per year, per account. You can check which spend categories are eligible under trade/business, fuel & electric vehicle charging, travel and accommodation on the cashback information sheet, and to check if a merchant qualifies, use our merchant checker tool. Interest-free credit is not available on balance transfers and cash advances.
Get rewarded for your everyday business spending
£70 annual fee per cardholder
Get 0.5% cashback on everything you buy, 1% on eligible travel and accommodation, 2% on eligible trade/business supplies and 3% at eligible fuel and electric vehicle charging stations. Cashback limited to £600 per year. Use the merchant checker tool to see where you can get cashback
No foreign transaction fees on purchases abroad
Up to 56 days interest-free credit period on purchases
Enjoy merchant offers with Business Savings from Mastercard
Minimum credit limit £500, maximum credit limit subject to status
The RBS Business Plus Credit Card has a 5* Moneyfacts rating, so you can select the card with confidence
Flexible monthly payments and minimum payments
Pay a minimum of the greater of, £5 or that months interest, any default charges, 1/12th of any annual fee and 3% of the remaining balance (excluding any annual fee) or repay the full amount, and if you want to pay more than the minimum, you’re able to make additional payments.
If you only make the minimum payment it will take longer and cost more to clear your balance. Find out more about minimum payments.
Information Message
Manage your spend better
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.
We've got a selection of online tools to help you get the most out of your Business Plus credit card. Find out more about managing your card.
Information Message
No non-sterling transaction fees for purchases abroad
We won't charge you foreign transaction charges for overseas purchases.
Please note that a cash fee will still apply if you withdraw cash in a foreign currency and you may be charged a fee by a third-party bank/ATM provider. Find out more about charges.
Information Message
Enjoy merchant discounts with Mastercard® Business Savings
Business Savings from Mastercard is a free merchant discount programme available with the Royal Bank of Scotland Business Plus 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.
Cashback in detail
Want to see how much you could earn?
This table has examples of our customers' typical spend with a Business Plus credit card. This is to give you an idea of what you could earn if you had one too.
Type of spending
Fuel & EV charging stations
Trade & Business supplies
Accommodation
Travel
All other purchases
Total
Annual spend
£529
£1,740
£847
£979
£7,905
£12,000
Cashback rate
3%
2%
1%
1%
0.5%
-
Monthly cashback
£1.32
£2.90
71p
82p
£3.29
£9.04
Annual benefit
£16
£35
£8
£10
£40
£109
That will cover the cost of the card and you'll earn an extra £39 too.
Type of spending
Fuel & EV charging stations
Trade & Business supplies
Accommodation
Travel
All other purchases
Total
Annual spend
£1,058
£3,480
£1,695
£1,957
£15,810
£24,000
Cashback rate
3%
2%
1%
1%
0.5%
-
Monthly cashback
£2.64
£5.80
£1.41
£1.63
£6.59
£18.08
Annual benefit
£32
£70
£17
£20
£79
£217
That will cover the cost of the card and you'll earn an extra £147 too.
Type of spending
Fuel & EV charging stations
Trade & Business supplies
Accommodation
Travel
All other purchases
Total
Annual spend
£1,587
£5,220
£2,542
£2,936
£23,715
£36,000
Cashback rate
3%
2%
1%
1%
0.5%
-
Monthly cashback
£3.97
£8.70
£2.12
£2.45
£9.88
£27.11
Annual benefit
£48
£104
£25
£29
£119
£325
That will cover the cost of the card and you'll earn an extra £255 too
Type of spending
Fuel & EV charging stations
Trade & Business supplies
Accommodation
Travel
All other purchases
Total
Annual spend
£2,116
£6,960
£3,390
£3,915
£31,620
£48,000
Cashback rate
3%
2%
1%
1%
0.5%
-
Monthly cashback
£5.29
£11.60
£2.82
£3.26
£13.17
£36.15
Annual benefit
£63
£139
£34
£39
£158
£434
That will cover the cost of the card and you'll earn an extra £364 too
Type of spending
Fuel & EV charging stations
Trade & Business supplies
Accommodation
Travel
All other purchases
Total
Annual spend
£2,645
£8,700
£4,237
£4,894
£39,525
£60,000
Cashback rate
3%
2%
1%
1%
0.5%
-
Monthly cashback
£6.61
£14.50
£3.53
£4.08
£16.47
£45.19
Annual benefit
£79
£174
£42
£49
£198
£542
That will cover the cost of the card and you'll earn an extra £472 too
The actual cashback you could earn will depend on how much you spend. Any cashback earned is credited to your card account monthly.
More information
Check out the Business Plus credit card fact sheet:
Business Plus credit card (PDF, 150KB)
Use our merchant checker to see what cashback you'll earn at your local merchant.
Standards of Lending Practice
We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.
You may wish to take advice from an independent financial advisor, charity (for example, Citizens Advice) or not-for-profit organisation before entering in to a credit agreement with us.
More details can be found on our Standards of Lending Practice for Business Customers page.
Use Apple Pay and Google Pay™
Apple Pay
Now more than ever, you should consider using Apple Pay to pay with your business debit and credit card. It’s contactless, safe and easy. And it keeps you from having to touch physical buttons or exchange cash when you’re out getting what you need.
Google Pay™
Got an Android phone? You can store your card details in your secure Google account. Then use your phone to pay for anything from boarding passes to restaurant meals.
Apple Pay and Google Pay™ available on selected Apple and Android devices. Retailer limits may apply.