Business credit cards FAQs

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.

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.

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.

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.

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.

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.

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.

Guavas arranges the fit for your business; Capital on Tap, our exclusive partner, issues the Visa-based card. You get clear guidance and ongoing support from us alongside the card’s cashback, interest-free window, and accounting integrations.