Business credit card

Smooth out your cashflow with our credit card

Handle your business expenses with our Business credit card

No annual card fee for the first year (normally £30)

No annual card fee after the first year if you spend £6,000 or more every year from account opening

56 days interest-free credit period on purchases

ClearSpend app available to manage your account efficiently

Minimum credit limit of £500, maximum credit limit subject to status

The Business credit card is for Royal Bank Business Banking customers with a turnover up to £2m.

Representative example

Representative APR


Purchase rate

p.a. (variable)

Assumed credit limit


Annual fee

(for each card)

This card in detail…


Interest-free credit period of 56 days

If you pay your balance in full, you get 56 days interest-free credit on purchases.

Flexible monthly payments

Pay a minimum 5% or £5 whichever is greater of the balance or repay the full amount, and if you want to pay more than the minimum, you’re able to make additional payments. You can find out more about minimum payments in the "Charges" tab.

Credit limit (minimum £500, maximum subject to status)

Use the card for anything from petty cash to buying IT equipment.

Annual card fee waiver

The annual fee is normally £30 per card issued. However, we won’t charge a fee for the first 12 months, and if you spend £6,000 or more every year from account opening we’ll waive the annual fee each year.


Manage your spending with ClearSpend

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

Cards Online

See your Business credit card account in real time. View up to 13 months of transactions and statements online.

Smart Data Online

Set up reports to help you check and analyse business spending.


Allocation of payments

If you don’t pay off your balance in full, your payments are applied to the balance in a specific order.

Minimum repayment

5% or £5, whichever is greater. Remember: if you only make the minimum payment it will take longer and cost more to clear your balance.

Other charges and fees

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


Balance transfer to the Royal Bank Business credit card

Why not move the money you owe from your other Business credit cards? It could mean you pay less interest. Fees may apply.

More information

Some useful information about the Business credit card

I want to apply

Great, thanks for choosing our Business credit card. Let’s get started. Are you a…

Our business credit card is for our business bank account customers. If you want to become a Royal Bank customer, please check out our business bank account. When you apply for a business bank account you have the option to apply for the business credit card at the same time (subject to status).

Our business bank accounts

Here’s another type of business lending we can offer you even if you’re not an existing customer

Small Business Loan
A fast, affordable way to help your business
Find out more

Here are some things we need from you...

Personal details

  • Home addresses (and the date you moved there)

Business details

  • Average turnover per annum
  • Month and year business started trading

To apply for our Business credit card, you must meet these requirements

  • You’re a UK resident aged 18 and over
  • You’re a director of the business you’re applying on behalf of
  • You have not been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree
  • Your registered business address must be in the United Kingdom and you should be registered for tax purposes in the UK
  • You must maintain a business bank account in the same legal entity name with Royal Bank of Scotland

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.


Important documents to read

Business credit card terms and conditions applicable for Sole Traders, Partnerships (of up to 3 partners), or unincorporated associations (such as Charities, Clubs, Societies or Associations):

Terms and conditions

Business credit card terms and conditions applicable for Limited Companies, Limited Liability Partnerships, Partnerships (of 4 or more partners) and Charitable Incorporated Organisations:

Terms and conditions

Thanks! Looks like you’re all set and ready to begin

By starting your application, you confirm that you're giving us consent to run a credit check on you and any other people listed on your application.

You can download the additional cardholder application form

What you should know

When returning the application form

To avoid delays, or the application form being returned, please make sure you’ve completed ALL sections. If we have to decline your application, we’ll send you an email or text message. If your application has been fully completed and is successful we’ll text you and you should receive your new card and PIN within 10-12 working days.

When you’ve completed the application form

Please scan and email the application to Business Credit Card Applications.We'll text you to let you know that we've received your application. If you are unable to scan and e-mail the application, please mail to Cards Customer Services, PO Box 5747, Southend-On-Sea SS1 9AJ, Depot Code 028

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