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No annual fee business credit cards

A list of banks with no annual fee or minimal servicing charges

AmEx Europe

AmEx Europe

The American Express Business Basic Card

annual fee - £0

apply online

up to 42 days without interes

Bank of Scotland

Bank of Scotland

Bank of Scotland Business Credit Card Mastercard

no annual fee for the first 12 months

up to 45 days of interest-free

withdraw up to £500 cash per day

Barclays Bank

Barclays Bank

Barclaycard Select Cashback Credit Card

up to 56 days interest-free

cashback credit card

no annual fees

Capital on Tap

Capital on Tap

Capital on Tap Business Credit Card

apply online

cashback credit card

no annual fee

Cashplus Bank

Cashplus Bank

Cashplus Business Credit Card

up to 56 days interest-free

cashback credit card

no annual fee

Clydesdale Bank Business Credit Card

Clydesdale Bank

Clydesdale Bank Business Credit Card

up to 59 days interest free

no annual fee

anti-fraud technology

Debite

Debite

Debite corporate card

up to £500,000 in credit

cashback credit card

set spending limits

HSBC Bank

HSBC Bank

HSBC Commercial Credit Card Visa

commercial card

flexible credit limit

no annual fee for the first year

Jeeves

Jeeves

Jeeves Business credit card

free physical and virtual card

online application

earn 1% uncapped cashback

Juni

Juni

Juni Business Card with Credit

cashback card

avoid heavy fees

Instantly create virtual cards

Metro Bank

Metro Bank

Metro Bank Business Credit Card

no annual fees

free transactions in Europe

low rate

Royal Bank of Scotland

Royal Bank of Scotland

RBS Business Plus Credit Card

Interest Rate: from 16.90%

Sum: from 500.00£

earn cashback

no foreign exchange charges

up to 56 days interest-free credit period

Santander

Santander

Santander Business Cashback Credit Card Mastercard

earn cashback

no foreign transaction fees

low annual fee

Yorkshire Bank

Yorkshire Bank

Yorkshire Bank Business credit card

up to 59 days interest free

no annual fee

anti-fraud technology

More about no annual fee business credit cards

Bankchart.co.uk offers you a list of banks with no annual fees or minimal servicing charges. Just look through the offers in the table below and choose the bank that best suits your business needs.

How to apply for no annual fee business credit cards in the UK:

  1. Research and Compare Cards from the table above. Bankchart.co.uk's analysts have already researched the offers of business credit cards in the UK market and have selected offers for you with zero or low card maintenance fees.
  2. Visit the official websites of the banks or financial institutions offering the cards you're interested in and gather all the necessary information and documents that the bank may require, which could include your business details, financial statements, personal identification, and more.
  3. Most banks offer online application forms for no-fee business credit cards. Fill out the application form accurately and provide all the requested information.
  4. You'll typically need to provide details about your business details, personal information, and financial details.
  5. Once you've completed the application form and provided all the required information, review everything to ensure accuracy.
  6. The bank will review your application and may conduct a credit check. This process may take some time, and you might be contacted for additional information.
  7. You'll receive a decision from the bank regarding your application. If approved, you'll likely receive your new business credit cards with no annual fee in the mail.
  8. Follow the instructions provided with the card to activate it. 

Business loan calculations for 3 years (example)

Amount, $ Rate, % Accrued %, $
500,000 8.00% 61,667
500,000 8.10% 62,438
500,000 8.20% 63,208
1,000,000 9.00% 138,750
1,000,000 9.10% 140,292
1,000,000 9.20% 141,833
2,500,000 10.00% 385,417
2,500,000 10.10% 389,271
2,500,000 10.20% 393,125
5,000,000 11.00% 847,917
5,000,000 11.10% 855,625
5,000,000 11.20% 863,333

Are there 0 interest business credit cards?

Yes, there are 0% interest business credit cards available in the UK. These cards typically offer an introductory period during which no interest is charged on purchases, balance transfers, or both. This can be highly beneficial for businesses looking to manage cash flow, make purchases, or consolidate existing debt without incurring interest charges during the promotional period.

See the similar FAQ: 

Details of companies offering the financial services:

AmEx Europe

Head office’s address: Belgrave House, 76 Buckingham Palace Rd

Web-site: https://www.americanexpress.com/en-gb/

Bank of Scotland

Head office’s address: The Mound, Edinburgh EH1 1YZ

Phone: +44 (034) 5721 31 41

Web-site: http://www.bankofscotland.co.uk/

Swift code: BOFSGB31

Reference number: 169628

Stock code: 0076540

ABN: SC327000

BSB: BOFS

Barclays Bank

Head office’s address: 1 Churchill Place, London E14 5HP

Contact center: 0800-400-100

Phone: +44 (034) 5734 53 45

Web-site: http://www.barclays.co.uk/

Swift code: BARCGB33

Reference number: 122702

Stock code: BARC

ABN: 01026167

BSB: BARC

Capital on Tap

Head office’s address: 7th Floor, The Tea Bldg, 56 Shoreditch High St, London E1 6JJ

Contact center: 020-8962-7401

Phone: +44 20 8962-7401

Web-site: https://www.capitalontap.com/

Cashplus Bank

Head office’s address: Cottons Centre, Cottons Lane

Contact center: 0330-024-0924

Web-site: https://www.cashplus.com/

Clydesdale Bank

Head office’s address: 40 St Vincent Pl

Phone: +44 (080) 0345 73 65

Web-site: https://secure.cbonline.co.uk/

Swift code: CLYDGB21025

Reference number: 121873

Stock code: 11IO

ABN: SC001111

BSB: CLYD

Debite

Head office’s address: London

Web-site: https://www.debite.io/

HSBC Bank

Head office’s address: Unit 8, Canada Square, Retail, London E14 5AH

Phone: +44 345 740 4404

Web-site: https://www.hsbc.co.uk/

Swift code: HBUKGB4B

Reference number: 114216

Stock code: HSBA

ABN: 00014259

BSB: HBUK

Jeeves

Head office’s address: London

Web-site: https://www.tryjeeves.com/

Juni

Web-site: https://www.juni.co/

Metro Bank

Head office’s address: One Southampton Row, London, WC1B 5HA

Phone: +44 (034) 5080 85 00

Web-site: https://www.metrobankonline.co.uk/

Swift code: MYMBGB2L

Reference number: 488982

Stock code: MTRO

ABN: 06419578

BSB: MYMB

Royal Bank of Scotland

Head office’s address: 36 St Andrew Square, Edinburgh, EH2 2YB

Contact center: 0345-600-2230

Phone: +44 (070) 3597-88-42

Web-site: https://www.rbs.co.uk/

Swift code: ROYCGB2LCLS

Stock code: NWG

ABN: BR000548

BSB: ROYC

Santander

Head office’s address: 2 Triton Square, Regent's Place, London, NW1 3AN

Contact center: 0800-389-7000

Web-site: http://www.santander.co.uk/

Swift code: ABBYGB3E

Reference number: 106054

ABN: 02294747

BSB: ABBY

Yorkshire Bank

Head office’s address: 329 Harehills Ln, Harehills, Leeds LS9 6AX

Contact center: 0800-456-12-47

Phone: +44 800 456 1247

Web-site: https://secure.ybonline.co.uk/