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Business credit card

Smooth out your cashflow with our credit card

Manage your expenses with our credit card

Our card could be the perfect company credit card for our business banking customers with a turnover under £2m. 

No annual card fee for the first year, normally £30. The fee will also be waived from the second year onwards if you spend £6,000 or more each year

Benefit from an interest-free period of up to 56 days when you pay your balance in full

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

Our card has a 5* Moneyfacts rating, so you can select the card with confidence

What could you get?

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, and if you want to pay more than the minimum, you’re able to make additional payments. Find out more about minimum payments.

Manage your spend better

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

Set up reports to help you check and analyse business spending with Smart Data Online.

Annual card fee waiver

The annual fee is normally £30 per business credit 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.

Enjoy merchant discounts with Mastercard® Business Savings

Business Savings from Mastercard is a free merchant discount programme available with the NatWest Business credit card. You could earn automatic rebates on the things that help you run your business.

Restrictions apply. Participating merchants and rebate offers subject to change. Terms apply.

Representative example

Representative APR

24.3%
(variable)

Purchase rate

16.9%
p.a. (variable)

Assumed credit limit

£1,200

Annual fee

£30
(for each card)

More information

Card Fees and Charges

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

Allocation of payments

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

Ready to apply?

To speed up your application, we need to ask a few questions. It'll only take a minute..

Are you a...

Our business credit card is for our business bank account customers.

If you want to become a NatWest 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

Great, here's some important information

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 Natwest

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 (PDF, 1.5MB)

 

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 (PDF, 1.5MB)

 

Standards of Lending Practice

We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.

You may wish to take advice from an independent financial advisor, charity (for example, Citizens Advice) or not-for-profit organisation before entering in to a credit agreement with us. More details can be found on our Standards of Lending Practice for Business Customers page.

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.

Useful info about Business credit cards

Use Apple Pay and Google Pay™

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. It keeps you from having to touch physical buttons or exchange cash when you’re out getting what you need. 

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.

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

Something else we can help you with?