Business credit cards

Staying on top of everyday
expenses can be
easier with a credit card

Stay on top of your expenses with one of our credit cards

Could help to keep your cashflow steady

They’re a convenient way to manage expenses

Can be used to pay for goods and services

Can help build your business credit profile for future borrowing 

We have three types of business credit card

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 Royal Bank. Your registered business address must also be in the UK, Channel Islands, Isle of Man or Gibraltar or you should be registered for tax purposes in one of those jurisdictions. The Royal Bank of Scotland Business Credit Card is for UK businesses only. Subject to status, for business use only.

A credit card for startups

A credit card designed to help small businesses

No annual fee for a year (normally £32)

45-days interest-free credit period on purchases

Credit limit from £500 to £10,000 (subject to status)

A credit card for existing businesses

A credit card aimed at more established companies

Only £32 a year per cardholder

45-days interest-free credit period on purchases

Credit limit from £500 to £10,000 (subject to status)

A credit card for communities

A credit card to partner our community current account

Only £32 a year per cardholder

45-days interest-free credit period on purchases

Credit limit from £500 to £10,000 (subject to status)

Useful info about Business credit cards

You’ll need the personal details of all of the directors or partners of the business (including their home addresses for the last 3 years). You’ll also need your basic business details, including your Company’s Registration Number (provided by Companies House) if you’re a limited company. The "Ready to apply" sections on the product pages will help you to prepare.

If you want to transfer a balance to your credit card please call the Royal Bank business team. There is no interest free period on balance transfers. 

You bet! You can use your business credit card to pay for goods and services or withdraw cash almost anywhere in the world. Just look out for the MasterCard logo.

Just give us a call on 0370 909 3701.

To add an additional cardholder, please fill out and return our additional card holder form.

Yes you do. Our business credit card is only available to existing Royal Bank business customers. If you want to become a business customer tale a look at our business current accounts.  

  • For Lost & Stolen (24/7) 0370 600 0459 (+44 1268 500 8113 when calling from abroad)
  • Fraud Queries 0345 300 3986 (+44 125 230 8047 when calling from abroad)
  • Chargebacks & Disputes 0370 909 3701 (Option 2)/ e-mail Credit Disputes Cards Online 0370 909 3701 (Option 4)

Additional support for your business

Boost your cashflow

Having a healthy cashflow can determine if a business succeeds or fails. Our cashflow management guide is here to help.

Keeping costs down

Overspending can torpedo a growing company. We asked business leaders how they keep a lid on costs and sum it up in five key points.

Get a Royal Bank mentor

A Royal Bank Mentor can help with employment law, HR, health and safety and much more. There will be charges after any free one month trial period.

Something else we can help you with?