Credit card strategies for smarter UK businesses
Compare business credit cards, hack points like a pro, and learn the cashflow tricks that actually work. No fluff, no sponsored rankings - just honest advice.
Why QuidClever?
Most comparison sites rank whoever pays them the most. We don't take commissions, and we never will. Every recommendation on here is based on the numbers.
We built QuidClever because small businesses in the UK deserve better tools. Better cashflow management, smarter points hacking, and honest side-by-side comparisons that actually help you decide.
Whether you're choosing your first business card or optimising a portfolio of them, we do the maths so you don't have to.
Cashflow strategies
Add 30–45 days of free float to every payment cycle. No loans, no equity dilution.
Points hacking
Turn business spend into Avios, hotel nights, and cashback. Every pound working harder.
Honest comparisons
No sponsored rankings. We compare fees, rewards, and real-world value — then show you the maths.
UK business credit cards
Compare up to 8 cards head-to-head
American Express Gold Business Card
£195/yrThe go-to business card for UK companies spending £3k+ per month. Strong earn rate on travel, solid welcome bonus, and genuinely useful travel perks.
American Express Platinum Business Card
£595/yrPremium business card for heavy spenders and frequent travellers. Unlimited lounge access and top-tier travel insurance justify the fee if your spend is high enough.
American Express Basic Business Card
FreeFree Amex card for businesses that want cashflow flexibility and basic rewards without paying an annual fee. Great starting point.
Capital on Tap Business Credit Card
FreeThe UK's most popular business credit card for SMEs. No fee, high limits, fast approval. Integrates with accounting tools and offers genuine cashback.
Revolut Business Card
FreeNot a traditional credit card — more of a business account with debit cards. Best for companies with international payments and multi-currency needs.
Funding Circle Business Cashback Card
FreeStrong cashback card for established SMEs. 1% uncapped on all spend, no FX fees, free employee cards, and limits up to £250k. Requires at least a year of trading and £40k turnover.
Barclaycard Select Cashback Business Credit Card
FreeStraightforward cashback card from a major UK issuer. 1% uncapped on all spend when you hit £2k/month. No annual fee but the 2.99% FX fee makes it domestic-only.
British Airways American Express Accelerating Business Card
£250/yrThe best card for earning Avios on business spend. 1.5 Avios per £1, 30k welcome bonus, and milestone bonuses at every £20k. One of the few Amex business cards still open to sole traders.