Apply for a Business Cashback Credit Card

We’ll email you copies of the documents. Take time to read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader

Business Cashback Credit Card Key Facts Document (PDF - 280 KB) - this includes:

• a Summary box
• Pre-contractual explanation
• Pre-contract credit information
• Key terms
• Cashback terms
• Terms & Conditions and Important Information (PDF - 827 KB) – including Additional terms and Data Protection Statement

Here’s a summary of the important information from the Pre-Contractual Explanation. The full version of this can be found in the Business Cashback Credit Card Key Facts Document. Click on the link above to see this. You should read it before you apply.

A credit card is more suitable for borrowing over a shorter period of time. There may be cheaper ways to borrow large amounts.

The interest rate and charges you have to pay depends on how you use your credit card. For example, we’ll always charge a higher rate for taking out cash using your credit card.

We charge £30 a year for the credit card.

We can change these rates and charges but we’ll tell you before we do.

You’ll need to make sure the minimum payment reaches your account by the due date shown on your statement.
It will cost you more if you only make your minimum payments. The quicker you pay off your balance, the less it will cost you in the long run.

If you don’t make a payment on time, or you miss a minimum payment, we’ll charge a £12 fee. That means the total cost of your debt will grow, and we’ll keep charging interest on the amounts you should’ve paid. We’ll also report this to credit reference agencies who’ll record it on your credit file. This will affect your credit rating and might
make it more difficult for you to borrow in future.

If you miss multiple repayments you might have legal action brought against you. In the very worst case your debt might be secured against your house or your debt may be transferred to a debt recovery company. To avoid getting into this situation, please contact us if you’re struggling to keep up with your payments.

You have up to 14 days to decide if this is the right card for you, starting from the day after you receive your card. If you decide you no longer want your new credit card you must let us know and you must repay anything you owe.

If you're a private limited company or limited liability partnership, you'll need to sign a Personal Guarantee when you're approved for the Business Cashback Credit Card.