Business credit cards

Staying on top of everyday
expenses can be
easier with a credit card

Stay on top of your expenses with one of our credit cards

Could help to keep your cashflow steady

They’re a convenient way to manage expenses

Can be used to pay for goods and services

Can help build your business credit profile for future borrowing 

Choose from our two business credit cards

To apply you must be a UK resident aged 18 or over and maintain a business bank account in the same legal entity name with Royal Bank. Your registered business address must also be in the UK and you should be registered for tax purposes in the UK. Subject to status, for business use only.

Business credit card

Available to Sole traders, Limited companies, Limited liability partnerships, Partnerships, Charities, Clubs and Societies

Only £32 a year per cardholder (1st year free for startups)

45-days interest-free credit period on purchases

Credit limit from £500 to £10,000 (subject to status)

Business Plus credit card

Available to Limited companies, Limited liability partnerships, Partnerships (of 4 or more partners) and Charitable incorporated organisations

£70 annual fee per cardholder

Earn 2% cashback on eligible trade/business suppliers, 1% on eligible fuel and accommodation and 0.5% on everything else. Cashback limited to £400 per year per customer

No charges for purchases abroad

Credit limit from £500 to £10,000 (subject to status)

Got a question? Here are some answers

You’ll need the personal details of all of the directors or partners of the business (including their home addresses for the last 3 years). You’ll also need your basic business details, including your Company’s Registration Number (provided by Companies House) if you’re a limited company. The "Ready to apply" sections on the product pages will help you to prepare.

If you want to transfer a balance to your credit card please call the Royal Bank business team. There's no interest free period on balance transfers. 

Of course! You can use your business credit card to pay for goods and services or withdraw cash almost anywhere in the world. Just look out for the MasterCard logo.

Just give us a call on 0370 909 3701

To add an additional cardholder, please fill out and return our additional card holder form.

Yes you do. Our business credit card is only available to existing Royal bank business customers. If you want to become a business customer take a look at our business current accounts.  

  • For Lost & Stolen (24/7) 0370 600 0459 (+44 1268 500 8113 when calling from abroad)
  • Fraud Queries 0345 300 3986 (+44 125 230 8047 when calling from abroad)
  • Chargebacks & Disputes 0370 909 3701 (Option 2)/ e-mail Credit Disputes Cards Online 0370 909 3701 (Option 4)

Additional support for your business

Manage your business credit cards

Keep on top of your business credit card with our handy online tools to help you manage your cashflow.

Keeping costs down

Overspending can torpedo a growing company. We asked business leaders how they keep a lid on costs and sum it up in five key points.

Boost your cashflow

Having a healthy cashflow can determine if a business succeeds or fails. Our cashflow management guide is here to help.

Something else we can help you with?