Best Business Credit Cards UK 2026
A business credit card helps manage cash flow, separate expenses, and earn rewards on spending you are already doing. The UK market offers several strong options, from cashback cards to low-rate balance options. We have compared the best business credit cards available in 2026.
Last reviewed: 31 March 2026
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Frequently Asked Questions
Can a sole trader get a business credit card?
Yes. Many business credit cards are available to sole traders. You will typically need to pass a personal credit check as the business liability sits with you.
Do business credit cards affect personal credit score?
For sole traders, yes — the card is linked to your personal credit. For limited companies, it depends on whether a personal guarantee is required.
What is the best business credit card for cashback?
The American Express Business Gold Card offers strong cashback and reward points. Capital on Tap and Tide also offer competitive cashback rates for small businesses.