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Business Plus credit card

Cashback rewards and flexible limits with our Business Plus credit card

Moneyfacts award - Business Plus Credit Card 2020-2025

Business Plus credit card features

The Business Plus credit card offers flexibility for business purchases and rewards, wherever you are. 

£70 annual fee per cardholder.

0.5% cashback on everything you buy, 1% on eligible travel and accommodation, 2% on eligible trade/business supplies and 3% at eligible fuel and electric vehicle charging stations. Cashback limited to £600 per year. You can find out which merchant categories are eligible for cashback on the cashback information sheet (PDF, 74KB)

No foreign transaction fees on purchases abroad.

Up to 56 days interest-free credit period on purchases if you pay your balance in full.

Enjoy merchant offers with Business Savings from Mastercard.

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

The NatWest Business Plus credit card has a 5* Moneyfacts rating, so you can select the card with confidence.

More about the card

Flexible monthly payments

Pay at least the greater of £5 or the month's interest, any default charges, 1/12th of your annual fee, or 3% of your balance (excluding the annual fee). You can also pay off the full amount of make additional payments. 

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Manage your spend better

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

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

We've got a selection of online tools to help you get the most out of your Business Plus credit card. Find out more about managing your card.

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No non-sterling transaction fees for purchases abroad

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

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. Find out more about charges.

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Automatically earn cashback on your business essentials

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

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

Representative example

Representative APR

29%

(variable)

Purchase rate

13.9%

p.a. (variable)

Assumed credit limit

£1,200

Annual fee

£70

(for each card)

How does cashback work?

3% cashback at eligible fuel and electric vehicle charging stations

2% cashback on eligible trade/business supplies

1% cashback on eligible travel and accommodation

0.5% cashback on all your other spending

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

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.

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 NatWest 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).

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 Natwest

 

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 (PDF, 449KB)

Business Plus credit card cashback Terms and Conditions (PDF, 37KB)

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 (PDF, 120KB)

Business Plus credit card cashback Terms and Conditions (PDF, 37KB)

I have reviewed, and printed/or downloaded the terms and conditions for Sole Traders, Limited Companies

Thanks! Looks like you’re all set and ready to begin

We'll carry out a soft credit check based on the details you've entered. This won't affect your credit score.

Please review, print/or download the terms and conditions for Sole Traders, Limited Companies, and the Standards of Lending Practise

You can complete the additional cardholder application form

To add an additional cardholder to your credit card, please complete the digital form.

Open digital form

FAQs about cashback 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?