American Express Gold Business Card vs Funding Circle Business Cashback Card
Side-by-side comparison for UK businesses
| Feature | American Express Gold Business Card | Funding Circle Business Cashback Card |
|---|---|---|
| Annual fee | £195 | £0 |
| Monthly fee | None | None |
| Welcome bonus | 20,000 Membership Rewards points | 2% cashback for first 6 months (capped at £2,000) |
| Earn rate (default) | 1x | 1x |
| Rewards currency | membership rewards | cashback |
| Card type | business | business |
Data last verified March 2026. Check issuer websites for the latest terms.
American Express Gold Business Card
The go-to business card for UK companies spending £3k+ per month. Strong earn rate on travel, solid welcome bonus, and genuinely useful travel perks.
Annual cost
£195
Earn rate
1x
Welcome bonus
20,000 Membership Rewards points
Best for
TravelAvios
Key benefits
- • Airport lounge access (2 visits per year)
- • Comprehensive travel insurance
- • No foreign transaction fees
- • Expense management tools
Funding Circle Business Cashback Card
Strong 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.
Annual cost
Free
Earn rate
1x
Welcome bonus
2% cashback for first 6 months (capped at £2,000)
Best for
CashbackInternational spend
Key benefits
- • 1% uncapped cashback on all spend
- • No annual or monthly fee
- • No foreign transaction fees
- • Credit limits up to £250,000