Business cards
Cover your everyday expenses without eating into your cash reserves
Security may be required. 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. 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.
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.
Business credit card
Annual turnover under £2M required to apply. Annual fee applies
- 5* Moneyfacts rating
- Representative 24.3% APR (variable)
- £30 annual fee per cardholder – no card fee in the first year
- Get 1% cashback at eligible fuel and electric vehicle charging stations
- Annual fee of £30 waived from the second year onwards if you spend £6,000 or more each year
- Up to 56 days interest-free credit period on purchases
Business Plus credit card
Annual turnover under £6.5M required to apply. Annual fee applies
- 5* Moneyfacts rating
- Representative 29% APR (variable)
- £70 annual fee per cardholder
- Earn up to 3% cashback on eligible fuel, business/trade supplies, travel and more. Cashback limited to £600 per year
- Up to 56 days interest-free credit period on purchases
- No charges for purchases abroad
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 who make business purchases
- £45 annual fee per cardholder
- 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
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
Business cash card
- Freedom to manage your cash. Nominated staff members can withdraw and deposit^ business funds in a way that suits your business.
- Easy access. Make cash and cheque deposits, as well as cash withdrawals at NatWest branches, ATMs and Post Office.
- Control your cards. Set withdrawal limits, update the card status in real-time and get full visibility of every withdrawal and deposit from our online portal.
- You’ll be able to register your interest for the new product, which will be available from October 2023.
^ Cash withdrawals, cash deposits and cheque deposits with a Business Cash Card will be enabled at NatWest branches at a future date.
* To apply you must be a UK resident aged 18 or over and hold a business bank account in the same legal entity name with NatWest. Fees for withdrawals and deposits may apply, as per your existing business bank account tariff, however no additional charges will be levied for using this service. Subject to status, business use only. UK businesses only.
Virtual card solutions
You will need to have an annual turnover of £25m or above to apply
- Available under the Public Sector Card (PSC) framework agreement
- Ideal if you have lots of employees who travel for work
- 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
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.
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