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 fee
£195/yr
APR
56.6% variable
FX fee
None
Welcome bonus
20,000 Membership Rewards points
Earn rate
default1x membership-rewards
travel2x membership-rewards
Pros & cons
Pros
- No FX fees — great for international spend
- 2x points on travel bookings
- Points transfer to BA Avios, Virgin, and 15+ airlines
Cons
- £195 annual fee
- Not widely accepted (Amex)
- Only 2 lounge visits per year
Key benefits
- Airport lounge access (2 visits per year)
- Comprehensive travel insurance
- No foreign transaction fees
- Expense management tools
