American Express Platinum Business Card vs Funding Circle Business Cashback Card
Side-by-side comparison for UK businesses
| Feature | American Express Platinum Business Card | Funding Circle Business Cashback Card |
|---|---|---|
| Annual fee | £595 | £0 |
| Monthly fee | None | None |
| Welcome bonus | 40,000 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 Platinum Business Card
Premium 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.
Annual cost
£595
Earn rate
1x
Welcome bonus
40,000 Membership Rewards points
Best for
Premium travelAirport lounges
Key benefits
- • Unlimited airport lounge access (Priority Pass)
- • Comprehensive travel insurance
- • No foreign transaction fees
- • £200 Dell credit annually
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