1.Capital on Tap Business Credit Card
Capital on Tap
- 2%Cashback on all purchases for Pro tier users
- 1%Cashback on all other purchases
Receive 10,500 points, worth £105 cashback or 10,500 Avios, as a sign-up bonus.
Earn 1% cashback on all card spend, with enhanced benefits for Pro tier users.
13.86% Variable APR
The Capital on Tap Business Credit Card stands out as the top choice because it offers uncapped cashback on all business spending, making it ideal for small businesses looking to maximize their rewards without incurring annual fees.
Pros:
- No annual fee
- Uncapped cashback
Cons:
- Limited rewards for non-Pro tier
- Variable APR
2.American Express Business Platinum Card
American Express
- 5%Membership Rewards points on flights and hotels
- 1%Membership Rewards points on all other purchases
Earn 120,000 Membership Rewards points after meeting required minimum spending.
Earn 5X Membership Rewards points on flights and prepaid hotels booked through Amex Travel.
29.1% Variable APR
What sets the American Express Business Platinum Card apart is its premium travel benefits and high rewards earning potential, making it a top choice for business owners who frequently travel and want to maximize their rewards.
Pros:
- High rewards on travel
- Premium travel benefits
Cons:
- High annual fee
- Requires significant spending to maximize rewards
3.American Express Business Gold Card
American Express
- 2%Membership Rewards points on American Express Travel
- 1%Membership Rewards points on all other purchases
Earn 20,000 Membership Rewards points when you spend £3,000 in the first three months.
Earn 2X points for every £1 spent on American Express Travel.
29.1% Variable APR
The standout feature of the American Express Business Gold Card is its accelerated earning potential in key spending categories, making it a valuable tool for small business owners looking to maximize their rewards.
Pros:
- Strong earning potential
- Flexible statement credits
Cons:
- Annual fee after the first year
- Requires higher spending to maximize rewards
4.Funding Circle Cashback Business Credit Card
Funding Circle
- 2%Cashback on all purchases for the first 6 months
- 1%Cashback on all other purchases thereafter
Earn 2% cashback on all card spending for the first 6 months, up to £2,000.
Earn 2% cashback for the first 6 months, then 1% uncapped cashback.
34.9% Variable APR
This card shines for its generous introductory cashback offer, allowing businesses to earn significant rewards on their spending during the first six months, making it an attractive option for new cardholders.
Pros:
- No annual fee
- High introductory cashback rate
Cons:
- Limited time for high cashback
- Variable APR
5.Lloyds Bank Business Credit Card
Lloyds Bank
- 1%Cashback on fuel and EV charging
- 0.5%Cashback on all other purchases
No annual fee for the first 12 months, normally £32 per cardholder.
Earn 1% cashback on fuel and EV charging, 0.5% on other purchases.
15.95% Variable APR
A key differentiator for the Lloyds Bank Business Credit Card is its flexible repayment options and tiered cashback structure, making it a practical choice for businesses managing various expenses.
Pros:
- No annual fee for the first year
- Flexible repayment options
Cons:
- Annual fee after the first year
- Minimum spend threshold for cashback
6.Barclaycard Select Business Credit Card
Barclaycard
- 1%Cashback on business spend over £2,000
No sign-up or welcome bonus.
Get 1% cashback on business spend of £2,000 or more per statement month.
25.5% Variable APR
Unlike other options, the Barclaycard Select Business Credit Card focuses on providing ongoing cashback rewards without an initial sign-up bonus, making it a straightforward choice for consistent spenders.
Pros:
- No annual fee
- Uncapped cashback
Cons:
- No welcome bonus
- Minimum spend requirement
Final Words
As you navigate the options for business credit cards this June 2026, remember to assess the features that best align with your business needs, such as cashback rewards and credit limits. Take time to compare the available options to ensure you make an informed decision that will benefit your financial strategy.
Frequently Asked Questions
Receive 10,500 points, worth £105 cashback or 10,500 Avios, as a sign-up bonus.
Earn 1% cashback on all card spend, with enhanced benefits for Pro tier users. Pro tier users receive 2% cashback on all purchases.
Earn 120,000 Membership Rewards points after meeting required minimum spending. Additionally, you can earn 5X Membership Rewards points on flights and prepaid hotels booked through Amex Travel.
The American Express Business Gold Card has an annual fee of £195. This fee can be offset by the rewards and benefits you earn through your spending.
When selecting a business credit card, consider factors such as annual fees, reward rates, and any welcome bonuses. Also, evaluate your spending habits to find a card that maximizes your rewards.
Business credit cards can sometimes be easier to obtain, especially for established businesses, as they often consider business revenue rather than personal credit scores alone. However, each issuer has different criteria, so it's essential to check individual requirements.
The application process typically involves filling out an online form, providing details about your business, and possibly submitting financial documents. Approval times can vary, but many issuers provide instant decisions.
To maximize rewards, use your business credit card for all eligible purchases, especially in categories that earn higher rewards. Additionally, keep an eye on special promotions or partner offers that can enhance your earning potential.
