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 fee
Free
APR
34.9% variable (representative)
FX fee
None
Welcome bonus
2% cashback for first 6 months (capped at £2,000)
Earn rate
default1x cashback
Pros & cons
Pros
- No FX fees — rare for a cashback business card
- 1% uncapped cashback on everything
- Free employee cards with individual spend limits
Cons
- Requires 1 year trading history and £40k+ turnover
- Representative APR of 34.9% — don't carry a balance
- Limited companies only (no sole traders)
Key benefits
- 1% uncapped cashback on all spend
- No annual or monthly fee
- No foreign transaction fees
- Credit limits up to £250,000
- Free unlimited employee cards
- Integrates with Xero, Sage, and FreeAgent
- Up to 42 days interest-free
