Funding Circle Business Cashback Card vs HSBC Premier Credit Card
Side-by-side comparison for UK businesses
| Feature | Funding Circle Business Cashback Card | HSBC Premier Credit Card |
|---|---|---|
| Annual fee | £0 | £0 |
| Monthly fee | None | None |
| Welcome bonus | 2% cashback for first 6 months (capped at £2,000) | 20,000 reward points |
| Earn rate (default) | 1x | 1.5x |
| Rewards currency | cashback | HSBC Rewards |
| Card type | business | personal |
Data last verified March 2026. Check issuer websites for the latest terms.
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
HSBC Premier Credit Card
Free companion to the World Elite — same airline transfer partners but half the earn rate and pay-per-visit lounges. Good for HSBC Premier customers who don't want to pay £290/year but still want to collect transferable miles.
Annual cost
Free
Earn rate
1.5x
Welcome bonus
20,000 reward points
Best for
No fee milesHSBC customers
Key benefits
- • No annual fee
- • 1.5 points per £1 sterling, 2 points per £1 non-sterling
- • Priority Pass lounge access (£24 per visit)
- • Transfer to BA, Emirates, Etihad, Qatar Airways, Air India