Business Credit Cards | Business Banking

Our Business Cashback Credit Card comes with

1% cashback paid monthly on all business spend with no cap (T&Cs apply)

Credit limits between £500 - £25,000 (subject to status)

No foreign transaction fees on purchases abroad when paying in the local currency

£30 Annual account fee, additional cards available at no extra cost

Control the amount each additional cardholder can spend

Up to 56 days to pay, when you clear your balance in full each month

What you need to apply

You’re an existing Santander Business Current Account holder

Your business is based and registered in the UK

You’re either a sole trader, partnership, limited liability partnership or private limited company with no more than 2 partners or directors, who own the business entirely

You and all other partners, members, directors or shareholders are aged 18 or over and UK residents

You have a good credit history and haven’t been declared bankrupt

The company, directors, owners or partners have not had an Individual Voluntary Arrangement in the last 6 years.

All credit is subject to status. A full credit check will be made on application.

Other things to consider

We charge a £30 annual fee. This will be added to your card as soon as you activate it
You must only use the business cashback credit card for business purposes
If you’re a limited company or limited liability partnership we’ll ask for a director's personal guarantee as part of our agreement with you.

Representative example

The below example is subject to status.

Representative 23.7% APR (variable)
Based on £1,200 credit limit
Purchase rate 18.9% p.a. (variable)
Annual fee £30
If you’re accepted for the card, we’ll confirm your credit limit.
If you have a business credit card but don’t use it, you will still be charged the annual fee of £30.

Account information

The annual fee

We charge a £30 annual fee. This’ll be added to your card as soon as you activate it.

Each year, we’ll add the fee in the same month you took the card out (this might be different to the month you activated the card).

We charge a single account fee per business, so there's no extra fee for adding another cardholder. That means someone else can have a card to operate the account.

Receiving your cashback

We'll pay the total cashback you earn each month onto your Business Cashback Credit Card and you'll see it on your monthly statement. Read the full cashback terms (PDF - 56 KB)

No foreign transaction fees on purchases abroad

Use your Business Cashback Credit Card abroad and you won't be charged any non-sterling transaction fees on purchases when paying in the local currency. We'll convert the foreign currency using the exchange rate set by Mastercard and won't charge a foreign transaction fee (also known as a non-sterling transaction fee).

If you use the Business Cashback Credit Card abroad, you won't be charged any non-sterling transaction fees on purchases when paying in the local currency. We'll convert the foreign currency using the exchange rate set by Mastercard. We won't charge a foreign transaction fee (also known as a non-sterling transaction fee).

What you also get

Up to 3 additional cardholders. All the directors, owners and partners must have a card. We can issue a maximum of 4 cards. For example, if your business has 2 directors who must have cards, you can have 2 additional cards for other members of staff.

As the account holder, you'll be able to control the amount any additional cardholders spend by setting monthly spending limits if you'd like to. Call us on 0330 678 1783 to arrange for these controls to be set up.

You’ll be responsible for all spending and payments for all cardholders.

Minimum repayments

You must make at least the minimum repayment each month.

Paying your Business Cashback Credit Card

The Business Cashback Credit Card is for business expenses only. So payments shouldn’t be made from personal bank accounts or personal savings. This is unless you’re a sole trader and don’t have a separate business account.

Interest rates

Purchases: you'll pay 18.9% p.a
Cash transactions: you'll pay 27.9% p.a and a 3% fee (minimum £3) for each transaction
You can see a useful summary of all the interest rates in the Summary Box (PDF - 796 KB)

Up to 56 days interest-free credit on purchases when you pay your balance in full and on time each month.

Everything you need to know before you apply

We recommend reading the information in the documents below before you apply. You may want to save or print them so you can refer to them in the future.

To view these documents, you may need to download Adobe Reader

If your business is a limited company or limited liability partnership, all directors or partners will need to provide a personal guarantee before the product is available to your business.

If there are changes to the people who run your business, all new directors or partners will need to provide a personal guarantee for the Business Cashback Credit Card.

Ways to bank with us

Secure, 24/7 banking. Make payments, view transactions and much more.

Online Banking
Mobile Banking
Contactless: make quick and easy purchases whenever you see the contactless indicator.
Call us on 0330 678 1783. You can check your balance, find out when your next payment is due and more.

Account alerts

We'll send you alerts when you're near your credit limit. This can help you avoid fees and to make you aware of certain activity on your account. You can manage your alert settings through Online Banking or by calling us on 0330 678 1783.