Business Plus credit card

Cashback credit card without foreign purchase transaction fees

Moneyfacts award - Business Plus Credit Card 2023

Get rewarded for your everyday business spending

If you want the full flexibility of making business purchases wherever you are and the benefit of being rewarded for it, the Business Plus credit card is our solution.

£70 annual fee per cardholder

Get 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. Use the merchant checker tool to see where you can get cashback

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 and minimum 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. 

If you only make the minimum payment it will take longer and cost more to clear your balance. Find out more about minimum 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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Enjoy merchant discounts with Mastercard® Business Savings

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

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

Representative example

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Cashback in detail

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 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.

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.

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.

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

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.

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 cardholders to your credit card, please complete the digital form: 

Open digital form

Common questions 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?