Tide Logo
Tide Logo
Tide Logo
Tide Logo

BUSINESS CREDIT CARDS

Manage your expenses and earn rewards with a business credit card

  • Access up to £250k to help cover your business expenses

  • Build your business credit, keeping your personal credit score intact 

  • We partner with Capital on Tap to help UK businesses like yours access their tailored business credit card products

Loan Type
Loan Amount
£

Tide has joined forces with Funding Options, becoming the largest credit marketplace in the UK. 

Providing over £1.6 billion in funding to more than 43,000 UK businesses, we’re on a mission to help business owners grow with confidence. 

Business credit cards from Capital on Tap

We work with Capital on Tap to help small businesses access flexible business credit card products and earn rewards, like:

  • Uncapped 1% cashback on all card spending

  • Exclusive offers at partner brands

  • Points redeemed against your balance, for cash, or for gift cards

  • Rewards points converted to Avios 

  • Unlimited, free employee cards

  • No foreign exchange fees

  • 24/7 customer support

Apply now

Are you eligible for a business credit card?

To be eligible for credit options including a business credit card, you must:

  • Be over 18

  • Be a UK resident

  • Be a sole trader, limited company or partnership

You may also have to show account records or a minimum monthly revenue.

Business credit card providers will review your business credit history, and some may check your personal credit history too.

How to apply for a business credit card

Applying for a business credit card through us is simple. There's no lengthy application process and you'll get a quick decision.

  1. Tell us about your business needs. We'll ask about your spending goals, what you need the card for, and some basic information about your business.

  2. Compare options without impacting your credit score. If you’re eligible we'll connect you to Capital on Tap, so you can view suitable credit card options that fit the unique needs of your business.

  3. Apply in minutes. Once approved, you'll receive a quote.

  4. Get a decision and start spending. Once approved, your card details could be available for immediate use online, or your physical card will be dispatched quickly.

 Apply now

What are the benefits of getting a business credit card?

Business credit cards offer a range of benefits that may perfectly align with your business needs and goals.

Increase cash flow

Benefit from interest-free periods on your purchases, giving you the breathing room to manage your payments more flexibly.

Access flexible funds

Get a revolving line of credit for day-to-day spending, unexpected costs, or investing in new opportunities.

Build business credit

Establish a strong credit history for your company, which can unlock better terms on future loans and lines of credit.

Expense tracking

Keep your business spending separate from your personal finances, simplifying accounting and tax preparation.

Earn rewards

With the right business credit card, you can accrue cashback, travel points, or other valuable benefits on your purchases.

Apply now

What is a business credit card?

A business credit card provides a line of credit that allows you to manage your expenses, improve cash flow and build your business’s credit score.

They often come with rewards or offers, like cashback, travel points or even introductory bonuses.

Business credit cards are available to various types of businesses, including limited companies, sole traders, and partnerships.

How does a business credit card work?

Like a personal credit card, you’ll be given a set credit limit for your purchases, with flexible repayment options and, typically, an interest-free period on new spending.

You can pay your full balance to avoid interest or make smaller, minimum payments to maintain liquidity. As you repay your available credit refreshes, you can carry on spending within your limit.

Things to consider when looking at business credit cards

Interest-free periods

Many cards provide interest-free periods, often up to 42 days. This means you can make necessary purchases now and settle the bill later, without incurring immediate interest charges.

Tailored spending limits

Business credit cards offer limits that can range up to £250,000. This is determined by your business's financial standing, giving you purchasing power when you need it the most.

Additional cards

Some providers allow you to issue additional cards to employees and partners with spending limits. Alternatively, explore our expense cards to give your team the flexibility, whilst maintaining more control.

Apply now

Aaron MoOng Ong Buns

With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business.

Alternatives to business credit cards

Tide offers different types of business credit to suit different needs. If a business credit card isn't for you, discover your options below.

Business loans

Get funding for larger business investments or long-term growth.

Explore business loans

Asset finance

Pick up essential equipment or vehicles without upfront capital.

Explore asset finance

Merchant cash advance (MCA)

Access flexible funding that you’ll repay as a percentage of your daily card sales.

Explore MCA

Invoice finance

Unlock cash from unpaid invoices, improving immediate cash flow.

 Explore invoice finance

How to track your business credit score

Are you wanting to improve your business credit score?

Credit Score Insights is a simple and affordable way to help you understand, track and take action to help you boost your business credit score.

 Learn more

We understand businesses, it's all we do

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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Tide | Do what you love.
Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.