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Compare business cards*
Our cards in more detail
Whether you are a small business looking for one of our market leading business credit cards or a larger organisation looking for a charge card / virtual card solution – you can compare our products below. Our cards are 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 NatWest. 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
Annual turnover under £2M required to apply
- 5* Moneyfacts rating
- £30 annual fee per cardholder – no card fee in the first year
- Annual fee of £30 waived from the second year onwards if you spend £6,000 or more each year
- 56 days interest-free credit period on purchases
- Enjoy merchant discounts with Mastercard® Business Savings
Product fees may apply. 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 NatWest. Turnover must be up to £2m. Your registered business address must be in the UK and you should be registered for tax purposes in the UK. Subject to status, for business use only. For Mastercard Business Savings, restrictions apply. Participating merchants and rebate offers subject to change. Terms apply.
Representative example
Purchase rate
Representative APR
Assumed credit limit
Annual fee
*No annual card fee for the first year, normally £30. Fee also waived from the second year onwards if you spend £6,000 or more each year.
Business Plus credit card
Annual turnover under £6.5M required to apply
- 5* Moneyfacts rating
- Earn up to 2% cashback on eligible suppliers, fuel, accommodation and more. Cashback limited to £400 per year
- 56 days interest-free credit period on purchases
- No charges for purchases abroad
- Enjoy merchant discounts with Mastercard® Business Savings
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 NatWest. Subject to status, business use only. UK businesses only. Cashback is limited to £400 per year, per account. You can check which spend categories are eligible under trade/business, fuel, 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. For Mastercard Business Savings, restrictions apply. Participating merchants and rebate offers subject to change. Terms apply.
Representative example
Purchase rate
Representative APR
Assumed credit limit
Annual fee
onecard
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
- Easier VAT reclaims as you won’t need invoices to reclaim VAT
Security may be required. Product fees may apply. To apply, you must be a UK resident aged 18 or over. To apply, you must be either a Limited Company, UK public sector organisation, Partnership (of 4 or more partners) or a Charity without individuals as trustees with an annual turnover of £2m+ and maintain a business bank account in the same legal entity name with NatWest. Subject to status, business use only. UK businesses only.
Details
Monthly interest
Cash advances fee*
Annual card fee*
* Not applicable to lodge account or virtual account.
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
- Make payments with Apple Pay and Google Pay™
*If your card is lost or stolen, we'll give you a code to withdraw up to £300 of your money from any NatWest, Royal Bank of Scotland or Ulster Bank cash machine in the UK or Ireland. Withdraw up to £300 if you're an internet or telephone banking customer, or up to £60 if you're not. You'll need to have enough money in your account and a minimum of £25 available in your account.
Details
Cash withdrawals
Emergency cash withdrawl
Oversea charges
Virtual card solutions
You will need to have an annual turnover of £25m or above to apply
- Ideal if you have lots of employees who travel for business
- Interest free credit – up to 56 days' interest-free credit
- Supporting travel policy compliance – reporting makes it easier to monitor travel expenditure
- Bespoke reports – these can be incorporated directly into your general ledger or ERP system
- Available under the Public Sector Card (PSC) framework agreement
Security may be required. Product fees may apply. To apply, you must be a UK resident aged 18 or over. Virtual cards are for UK businesses only. To apply you must be either a Limited Company, UK public sector organisation, Partnership (of 4 of more partners) or a Charity without individuals as trustees with an annual turnover of £2m+ and maintain a business bank account in the same legal entity name with NatWest. Subject to status, business use only. For more information on fees, rates and charges, speak to your Relationship Manager. Your Relationship Manager will finalise your application.
Specialist cards available
onecard Virtual Travel
Approval2Buy™
Lodge Travel
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
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.
Tyl by NatWest
Make it easier for your customers to pay you in a way that’s fast and secure for everyone.