The UK's most popular business credit card for SMEs. No fee, high limits, fast approval. Integrates with accounting tools and offers genuine cashback.
Annual fee
Free
APR
29.9%–49.9% variable
FX fee
None
Welcome bonus
£75 welcome offer
Earn rate
default1x points
Pros & cons
Pros
- No annual fee and no FX fees
- Instant approval — often within minutes
- Credit limits up to £250k
Cons
- Points (not direct cashback) — less flexible
- APR can be high (up to 49.9%)
- Visa — no Amex transfer partners
Key benefits
- No annual fee
- 1% cashback equivalent via points
- Instant approval (often within minutes)
- Credit limits up to £250,000
- Free employee cards
- Integrates with Xero, QuickBooks
