Business cards

Staying on top of your expenses is easy with a card

Apple Pay and Google Pay now available

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. Learn more.

Apple Pay available on selected Apple devices. Retailer limits may apply.

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. Learn more.

Google Pay available on selected Android devices. Retailer limits may apply.

What is a business card?

Our business cards provide a flexible and practical way to manage your business finances, whether you need convenient borrowing for expenses or instant cash withdrawal. Each of our business cards offer a solution to your financial need, giving you access to cash in a way that suits your business needs.

Our business card benefits

Make contactless payments with our business cards

Our credit cards and onecard options come with the ClearSpend app available to manage your account efficiently

Could help you manage your cashflow and business expenses

They’re a convenient way to manage expenses

What type of business bank cards are there?

Below you can compare our business card products we can offer with your Business Account, ideal for making secure transactions and giving you flexible banking at your fingertips.

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

You will need to have an annual turnover of under £2M to apply. Representative 24.3% APR (variable). Annual fee applies

£30 annual fee per cardholder – no card fee in the first year

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

Business Plus credit card

You will need to have an annual turnover of under £6.5M to apply. Representative 29% APR (variable). Annual fee applies

£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

56 days interest-free credit period on purchases

No charges for purchases abroad


You will need to have an annual turnover of £2M or above to apply. Annual fee applies

Could be ideal if you have multiple employees in your business who make business purchases 

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

Available under the Public Sector Card (PSC) framework agreement

£45 annual fee per cardholder

Easier VAT reclaims as you won’t need invoices to reclaim VAT

Business debit card

Transaction fees may apply

Free cash withdrawals. Withdraw up to £1,500 per day from UK cash machines

Emergency Cash. Don't panic, we've got you covered with emergency access to your cash. Limits apply

Contactless payments. Make payments quick and simple with contactless technology

Virtual card solutions

You will need to have an annual turnover of £25m or above to apply

Available under the Public Sector Card (PSC) framework agreement

Ideal if you have lots of employees who travel for business

Interest free credit – up to 56 days' interest-free credit

Travel policy compliance – detailed reporting makes it easier to monitor travel expenditure

Bespoke reports – these can be incorporated directly into your general ledger or ERP system

Currency Conversion Tool to help you with your spending abroad

This service is to help you understand the charges associated with cross border payments made on your card. Access our online tool here and enter details of your transaction. It will provide you with currency conversion charges based on the European Central Bank daily rate. Figures displayed in the tool change daily and will be provided so you can compare our fees with other banks fees in Europe.

Something else we can help you with?