Business Credit Cards
Business credit cards for UK limited companies
A business credit card is a revolving credit facility for everyday company spending. Guavas is a credit broker: we introduce you to Capital on Tap, our exclusive partner, and make sure it's the right fit for your business first. Capital on Tap issues the card and sets every limit, price and eligibility rule, subject to status. The card is built for UK SMEs, with uncapped cashback, up to 42 days interest-free, and no hidden fees. A Guavas quote carries no obligation.
- We check a credit card fits your situation before you apply
- One trusted partner, chosen for UK small businesses
- No personal or business credit checks, and no impact on your personal or business credit score
- An obligation-free decision process
Rated by UK businesses · Moneyfacts Highly Commended 2025
Our exclusive business credit card partner
The business credit card built for small businesses — trusted by 200,000+ customers and rated 4.7/5 on Trustpilot.
Award-recognised business finance
Highly Commended: Invoice Finance Broker of the Year, Business Moneyfacts Awards 2025
Confirmed Finalist: Invoice Finance Broker of the Year, Business Moneyfacts Awards 2026
The basics
What is a business credit card?
A business credit card is a revolving credit facility a funder issues to your business for everyday spending — keeping business and personal finances separate while smoothing cash flow.
Capital on Tap issues a Visa-based business credit card built for UK SMEs — apply online, get an instant virtual card on approval, and your physical card arrives within two to three business days. It's designed for everyday spending: stock, travel, subscriptions, and the costs that come up unplanned.
It suits businesses that want to keep card spending separate from their main account, earn something back on money they're already spending, and issue staff cards without losing control of limits. Guavas arranges the fit; Capital on Tap sets the terms and issues the card.
Choosing the right plan
Free plan or Pro plan?
Free plan
£0/year
- 1% uncapped cashback on all card spend
- Up to 42 days interest-free on purchases
- Unlimited free employee cards
- Auto-sync with Xero, Sage, QuickBooks and FreeAgent
Pro plan
£299/year
- Everything in the Free plan
- Premium metal card
- Unlimited airport lounge access
- Avios at 1:1, plus 1.25% cashback on preloaded spend
Card terms, limits and eligibility are set by Capital on Tap and subject to status. Details correct as of July 2026.
What does it cost?
Capital on Tap sets all card pricing, including any annual fee, and these are shown above as Capital on Tap's terms. A Guavas quote is free. Guavas is paid by the funder when you take out a product it has arranged. Full details are in our commission disclosure.
Get the most from it
Using a business credit card well
Tip
Clear your balance every month
Clearing your card in full inside the 42-day window keeps every purchase interest-free and protects your cash flow.
Tip
Set per-card limits from day one
Give employee cards a sensible spending limit before you hand them out — it's easier to raise a limit later than to claw back overspend.
Tip
Sync your accounting software early
Connect Xero, Sage, QuickBooks or FreeAgent as soon as your card is active, so reconciliation happens automatically.
Why it pays
What you get with every card
Uncapped 1% cashback
Every pound your business spends earns 1% back, redeemable straight into your business account — no cap, no threshold to clear.
Up to 42 days interest-free
Breathing room on every purchase before any interest applies, so short-term cash flow gaps don't have to slow you down.
No hidden fees
No FX fees, no ATM withdrawal fees, and no annual fee at all on the Free plan — transparent pricing from day one.
Personalised credit limits
Limits are set from £1,000 and can grow up to £250,000 as your business grows and your track record builds.
Is a business credit card right for you?
The card is designed for UK-based private limited companies and LLPs.
Good fit if
- You want to keep card spending separate from your main account
- You want to earn something back on money you're already spending
- You want to issue staff cards without losing control of limits
Probably not a fit if
- You are not a UK-registered limited company or LLP
- You have been trading for less than 12 months
- Your annual turnover is under £24,000
- There is an unsatisfied CCJ against the business or applicant in the last 12 months
What Capital on Tap looks at
- Whether you are a UK-registered limited company (Ltd) or limited liability partnership (LLP)
- A minimum annual turnover of £24,000
- At least 12 months of trading
- Any unsatisfied CCJs against the business or applicant in the last 12 months
- Your status. Capital on Tap makes the decision.
If a card is not the right fit, Guavas can look at business loans or invoice finance instead.
The process
How it works
-
Get a quote.
Fill in our online form. It takes about two minutes.
-
We confirm a card suits you.
We check a business credit card is the right call for your situation, comparing it against the other Finance Solutions Guavas arranges.
-
Apply to Capital on Tap, which decides.
With the fit confirmed, you apply directly to Capital on Tap with a few business details. Capital on Tap reviews your application and tells you its decision.
Business credit cards FAQs
What is a business credit card?
A business credit card is a revolving credit facility a funder issues to your business for everyday spending, keeping business and personal finances separate. Guavas arranges the fit; Capital on Tap, our exclusive partner, issues the card.
Will applying affect my credit score?
Getting a quote from Guavas means no personal or business credit checks, and no impact on your personal or business credit score. If a business credit card is the right fit, we'll explain Capital on Tap's own application and any checks involved before you proceed.
What's the difference between the Free and Pro plans?
The Free plan has no annual fee and includes 1% uncapped cashback, up to 42 days interest-free, and accounting integrations. The Pro plan is £299 a year and adds a premium metal card, unlimited airport lounge access, Avios at a 1:1 rate, and 1.25% cashback on preloaded spend.
Who is eligible?
The card suits UK-based private limited companies and LLPs trading for at least 12 months, with turnover of at least £24,000 a year and no unsatisfied CCJs against the business or applicant in the last 12 months.
How quickly can I start using the card?
Capital on Tap runs the application and decides it. If approved, a virtual card is available straight away and your physical card follows within 2 to 3 business days, according to Capital on Tap.
Can I give cards to my team?
Yes. The card comes with unlimited free employee cards, per-card spending limits, and real-time transaction tracking, all managed from one place. Give employee cards a sensible spending limit before you hand them out.
What does it cost, and how is Guavas paid?
Capital on Tap sets all card pricing, including any annual fee. A Guavas quote is free. Guavas is paid by the funder when you take out a product it has arranged. Full details are in our commission disclosure.
Related guides
Business Credit Cards For Small Business
A closer look at how business credit cards work for small business owners — rewards, limits, and what to check before you apply.
Read guideWorking Capital Financing in the UK
How working capital finance keeps day-to-day cash flow moving — and how it compares to a business credit card for short-term spending.
Read guideOverdrafts: Funding Solution for Small Businesses
When an overdraft fits better than a credit card or loan — and what UK small businesses should know before arranging one.
Read guideReady to start spending smarter?
Apply direct with Capital on Tap — or get a quote and we'll check the fit first.