Business Plus credit card

Earn cashback, no foreign exchange charges and a great rate

£70 annual fee per cardholder

Get 0.5% cashback on everything you buy, 2% on eligible trade/business suppliers and 1% on eligible fuel and accommodation. Limited to £400 per year

No foreign transaction fees on purchases abroad

Up to 56 days interest-free credit period on purchases

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

Representative example

Representative APR


Purchase rate

p.a. (variable)

Assumed credit limit


Annual fee

(for each card)

What do you get?

Get 2% cashback on eligible trade/business supplies

Get 1% cashback on eligible fuel and hotel accommodation

We won't charge you foreign transaction charges for overseas purchases

Unlike most credit cards, we won't charge you for any non-sterling transactions on your card while you're away on business. 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.


Interest-free credit period of up to 56 days

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

Flexible monthly 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. If you want to pay more than the minimum you’re also 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.


Managing your Business Plus credit card

We've got a number of online tools to help you get the most out of your Business Plus credit card.

Cards Online

See your Business Plus 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.

Manage your spending with ClearSpend

ClearSpend is a new, convenient, free mobile application available on iOS and Android. You'll be able to see your monthly cashback in the app too.


Allocation of payments

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

Minimum repayment

The minimum payment will be the greater of: £5 or the full balance if less; or that month’s interest, any Default Charges, 1/12th of any annual fee and 3% of the remaining balance (excluding any annual fee). 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 Plus 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

I want to apply

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

The Business Plus credit card is for our business bank account customers. If you want to become a Royal Bank customer, please check out our business bank accounts. When you apply for a business bank account, you may be given the option to apply for the Business Plus credit card at the same time (subject to status).

If your turnover is up to £2m
Our business bank accounts


Other lending options

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 Plus credit card, you should 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 Plus 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):

Business Plus credit card Terms and Conditions

Business Plus credit card cashback Terms and Conditions

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

Business Plus credit card Terms and Conditions

Business Plus credit card cashback 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

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.
The actual cashback you could earn will depend on how much you spend. Any cashback earned is credited to your card account monthly.