Best credit cards in the UK, 2026

The best UK business credit card depends on your spend pattern. For cashback, the Funding Circle Cashback Card offers 1% uncapped with no fees. For Avios, the BA Amex Accelerating earns 1.5 Avios per £1. For high spenders, the Amex Gold Business gives 2x on travel.

Capital on Tap, Funding Circle Cashback, Barclaycard Select Cashback, Revolut Business, and the Amex Basic Business Card all have no annual fee. Capital on Tap and Funding Circle also charge no foreign transaction fees.

The BA Amex Accelerating Business Card earns 1.5 Avios per £1 with a 30,000 Avios welcome bonus — the highest direct BA earn rate. The Amex Gold Business earns transferable Membership Rewards that convert 1:1 to Avios.

Capital on Tap, Funding Circle Cashback, Revolut Business, and all Amex business cards (Gold, Platinum, Basic) charge no foreign transaction fees. Barclaycard Select Cashback and HSBC cards charge 2.99%.

Credit limits vary by card and your business profile. Capital on Tap and Funding Circle offer limits up to £250,000. Most other cards assess limits individually based on turnover, credit history, and time trading.

Yes, if you choose the right card. The BA Amex Accelerating is one of the few premium business cards open to sole traders. Capital on Tap and Funding Circle also accept sole traders and offer cashback with no annual fee.

Compare the effective value per £1 spent. Cashback is straightforward — 1% means 1p per £1. For points, check transfer ratios: Amex Membership Rewards transfer 1:1 to Avios, so 1 point per £1 ≈ 1 Avios per £1.

Options are limited but not impossible. Capital on Tap uses a soft credit check for initial eligibility and considers business performance, not just personal credit. Prepaid alternatives like Revolut Business don't require a credit check.