Business credit card

Smooth out your cashflow with our credit card

Moneyfacts award.

Manage your expenses with our credit card

Our card could be the perfect company credit card for our business banking customers with a turnover under £2m. 

No annual card fee for the first year, normally £30. The fee will also be waived from the second year onwards if you spend £6,000 or more each year

Get 1% cashback at eligible fuel and electric vehicle charging stations

Benefit from an interest-free period of up to 56 days when you pay your balance in full

Enjoy merchant offers with Business Savings from Mastercard

Minimum credit limit of £500, maximum credit limit subject to status

The RBS Business Credit Card has a 5* Moneyfacts rating, so you can select the card with confidence

What could you get?

Flexible monthly payments

Pay a minimum of the greater of, £5 or that months interest, any default charges, 1/12th of any annual fee and 3% of the remaining balance (excluding any annual fee) or repay the full amount, and if you want to pay more than the minimum, you’re able to make additional payments. Find out more about minimum payments.

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Manage your spend better

ClearSpend is a new, convenient, free mobile application available on iOS and Android.

Set up reports to help you check and analyse business spending with Smart Data Online.

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Annual card fee waiver

The annual fee is normally £30 per business credit card issued. However, we won’t charge a fee for the first 12 months, and if you spend £6,000 or more every year from account opening we’ll waive the annual fee each year.

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1% cashback at eligible fuel and electric vehicle charging stations

To earn cashback on fuel (including petrol, diesel and LPG) you can spend at petrol stations such as Esso, BP, Shell, Morrison's, Sainsbury's and Tesco. 

You can earn cashback on electric vehicle charging at commercial electric vehicle charging points such as; Gridserve, Tesla, Pod Point, and Chargemaster.

For more information see the Cashback Scheme Terms and Conditions (PDF, 131KB)

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Enjoy merchant discounts with Mastercard® Business Savings

Business Savings from Mastercard is a free merchant discount programme available with the Royal Bank of Scotland Business credit card. You could earn automatic cashback on the things that help you run your business.

Restrictions apply. Participating merchants and cashback offers subject to change. Terms apply.

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More information

Card Fees and Charges

You will incur charges if you make a late payment or go over your credit card limit.

Allocation of payments

If you don’t pay off your balance in full, there’s a specific order that your payments are applied.

Standards of Lending Practice

We adhere to the Standards of Lending Practice which are monitored and enforced by the LSB.

You may wish to take advice from an independent financial advisor, charity (for example, Citizens Advice) or not-for-profit organisation before entering in to a credit agreement with us.

More details can be found on our Standards of Lending Practice for Business Customers page.

I want to apply

Great, thanks for choosing our Business credit card. Let's get started...

Are you a…

Our business credit card is for our business bank account customers. If you want to become a Royal Bank customer, please check out our business bank account.

When you apply for a business bank account you have the option to apply for the business credit card at the same time (subject to status).

Helpful Information

Here are some things we need from you...


Personal details

  • Home addresses (and the date you moved there)

Business details

  • Average turnover per annum
  • Month and year business started trading


To apply for our Business credit card, you must meet these requirements


  • You’re a UK resident aged 18 and over
  • You’re a director of the business you’re applying on behalf of
  • You have not been declared bankrupt or received a County Court Judgement (CCJ) or Court Decree
  • Your registered business address must be in the United Kingdom and you should be registered for tax purposes in the UK
  • You must maintain a business bank account in the same legal entity name with Royal Bank of Scotland

Thanks! Looks like you’re all set and ready to begin

By starting your application, you confirm that you're giving us consent to run a credit check on you and any other people listed on your application.

You can complete the additional cardholder application form

To add cardholders to your credit card, please complete the digital form: 

Open digital form

Are you an existing customer?

For support on managing your cards including adding a cardholder, resetting your PIN, and reporting whether your card has been lost or stolen. Find out all you need to know on how to manage your Royal Bank of Scotland credit cards.

Manage your credit cards

Some useful information about the Business credit card

Business credit card | Royal Bank of Scotland


Use Apple Pay and Google Pay™

Apple Pay

Now more than ever, you should consider using Apple Pay to pay with your business debit and credit card. It’s contactless, safe and easy. And it keeps you from having to touch physical buttons or exchange cash when you’re out getting what you need.

Google Pay™

Got an Android phone? You can store your card details in your secure Google account. Then use your phone to pay for anything from boarding passes to restaurant meals.

Apple Pay and Google Pay™ available on selected Apple and Android devices. Retailer limits may apply.

Something else we can help you with?