Best Compare Free Business Credit Cards
10 Best Business Credit Cards with No Annual Fees in 2025
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How it worksIf you are looking to manage your business expenses, earn rewards and optimise cash flow then a business credit card that charges no annual fees could help do just that with flexible solutions to streamline everyday purchases or control employee spend.
Find the best free business credit card from the UKs top providers & compare rates for the lowest overall cost.
Capital on Tap Free Rewards
- Business credit card that charges no annual fee & 1% in cashback rewards
- Made for private limited companies that turnover £24,000 each year
- Interest rates start from a variable 14.13% APR
- Pay no interest for 42 days when you pay your balance in full each month
- Credit limits up to £250,000 are available, subject to eligibility
- Get unlimited free company cards with their own limits & controls
- Draw funds from your card directly to your business bank account, where daily interest applies
- Applications do not affect your credit score & you should get a decision in a matter of minutes
- Must have no unsatisfied CCJs against you or your business in the last 12 months
WebsiteFunding Circle Business Credit Cards
- Choose from their cashback & FlexiPay business credit cards, neither have annual fees
- The FlexiPay card allows for transfers & instalment payments over 1-12 months
- There are no interest rates, instead you pay a fee from 3.9% per transaction
- While the cashback card offers 1% cashback on all spend, 2% for the first six months up to £2k
- With interest rates from 14.9% variable & up to 42 days interest-free
- Credit limits start from £1,000 up to £250,000 for both cards, subject to application
- Applying won't affect your credit score & you could get a decision in two minutes
- Both are available to limited companies & limited liability partnerships
- Representative example: The standard interest rate on purchases is 34.9% pa. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable)
WebsiteMoss Credit Corporate Card
- Spend platform with the option of free corporate cards, or create a package with prices on request
- Issue unlimited virtual or physical cards for your team, with custom spend controls & real-time tracking
- Flexible credit lines up to £2.5 million per month, tailored to your business’s needs
- Set individual spending limits & approval flows to keep expenses under control
- Choose flexible repayment options with 30 or 60 days to repay your balance
- Easily integrate with leading accounting tools for seamless expense management
- Automated receipt capture & categorisation help you stay organised
- Only available to businesses that have more than 10 employees or turnover more than £2 million
- Credit must be paid in full in the agreed terms, much like business charge cards
WebsiteBarclaycard Select Cashback
- Cashback credit card with no annual fees to hold an account or for multiple users
- The representative rate of the card is 26.1% APR
- Purchases are subject to a 26.1% rate & cash withdrawals have an annual rate of 32.4%
- Non-sterling transactions have a 2.99% fee
- You could get up to 56 days of no interest if you pay your statement in full
- Minimum limit of £1,000, more available subject to application & checks
- Get 1% uncapped cashback on all business spend when you spend over £2,000 per month
- Available to businesses that turnover, or plan to, £10,000
- Awarded Best Business Card Provider in the Business Moneyfacts Awards, 12 years in a row
WebsiteNatWest Business Credit Card
- No annual fee for the first year, and ongoing if you spend over £6,000 annually; otherwise, £30 per cardholder
- The card has a representative APR of 24.3% & purchase rate of 16.9% per annum
- Access cashback offers on business essentials & earn 1% back on spend at eligible fuel & electric vehicle charging stations
- Minimum credit limit is £500, while the maximum limit is based on status
- Get up to 56 days interest-free on purchases when you pay the balance in full
- With flexible minimum payments, either pay 3% of your balance, 1/12th of your annual fee, the month's interest or any default charges
- Earn 1% cashback at eligible fuel and EV charging stations, with more offers available
- Access cash advances for a fee of 3% the total request (minimum £3)
- Available to businesses with a NatWest business account that turnover less than £2 million
WebsiteRead our in-depth NatWest reviewMetro Bank Business Credit Card
- No annual fee business credit card, helping you keep ongoing card costs at zero
- Competitive purchase rate of 17.44% pa, with a representative APR of 18.9% variable
- Credit limits start at £500 & are set according to your business’s financial profile
- Get up to 56 days interest-free on purchases when you pay your balance in full each month
- ATM withdrawals are free in the UK & Europe, with a 2.99% fee outside elsewhere
- Add up to nine additional cards for your team for no extra charge
- No balance transfer or cash advance fees, making the card simple and transparent
- Manage your account online or in-branch, with extended opening hours for support
- Available exclusively to Metro Bank business current account holders
WebsiteRead our in-depth Metro Bank reviewRoyal Bank of Scotland Business Credit Cards
- Charges no fee for the first year & free every year that annual spend exceeds £6,000
- If you spend less than £6,000 the previous year the annual fee is £30, per card owned
- The credit card has a representative APR of 24.3% & purchase rate of 16.9% pa
- Both interest rates are variable & so subject to change
- Get interest-free purchases, up to 56 days, when you pay the balance in full
- Flexible minimum payments, either pay 3% of your balance, 1/12th of your annual fee, the month's interest or £5
- The minimum credit limit is £500, while the maximum limit is based on business status
- Access cashback offers & earn 1% back on spend at eligible fuel & vehicle charging stations
- Available to businesses with a RBS business account that turnover less than £2 million
WebsiteRead our in-depth Royal Bank of Scotland reviewZempler Bank Business Credit Card
- Comes with no annual fees, but you must hold a Zempler Bank business account & be invited to apply
- Has a representative APR of 29.9% (variable), with interest rates starting from 19.9%
- Credit limits start at £500, up to a maximum of £3,000, with reviews to increase every six months of holding
- You can get up to 56 days interest-free purchases if you pay your balance in full & on time
- Eligible card purchases get 1% cashback, which is paid monthly with no caps
- Have multiple users each with their own cards & fully customisable spend limits
- Cash withdrawals are possible, with a £3 ATM fee while cash advances are charged at a higher rate
- Manage your account 24/7 via the Zempler app or online banking, with instant card freeze/unfreeze
WebsiteRead our in-depth Zempler Bank reviewWhat is the best business credit card with no annual fee?
Here's what we think are the best free business credit cards and what for:
- Best free business credit card overall: Capital on Tap Business Credit Card · Rates from 14.13% APR
- Best for interest-free period: Funding Circle Business Credit Cards · Rates from 0% APR
- Best for cashback: Barclaycard Business Credit Cards · Rates from 26.1% APR
- Best for highest credit limit: Moss Credit Corporate Card · Interest Rates Not Applicable
What is a free business credit card?
Free business credit cards are credit cards that come with no annual fees, making them great choices for startups, sole traders and any other business looking to access credit without having to pay anything upfront.
You will still need to pay interest that has accrued on unpaid balances, fees for late payments and, if applicable, foreign transaction fees for non-UK payments.
Who can get a free business credit card?
In general most businesses with a positive-standing credit score should be able to apply for a free business credit card. There can be requirements such as holding a business bank account in the same business name, or with the same bank you're applying to, and some providers may need you to turnover a specific amount to be eligible.
Frequently asked questions
It's not uncommon to have questions when looking in to business cards, especially for the first time. These are some of the most relevant questions for business credit cards:
APR stands for Annual Percentage Rate and is the cost you can expect to pay over a year of borrowing including fees. The advertised rate is what is offered to at least 51% of customers.
As mentioned above, a free business credit card usually refers to there being no annual fees associated with the card. You will still need to pay for interest accrued and any other fees laid out in the terms and conditions of the provider you choose.