BUSINESS CREDIT CARDS

Manage your expenses and earn rewards with a business credit card

Improve cash flow, earn valuable rewards and build your business credit score - all with a business credit card designed for flexible spending.

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

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

Providing over £1 billion in funding to more than 17,000 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

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.

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.

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.

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

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.

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.

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.

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.

Asset Finance

Pick up essential equipment or vehicles without upfront capital.

Merchant Cash Advance (MCA)

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

Invoice Finance

Unlock cash from unpaid invoices, improving immediate cash flow.

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.

Business Credit Card FAQs

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.