Business credit card

Smooth out your cashflow with our credit card

Handle your business expenses with our Business credit card

No annual card fee for the first year (normally £30)

No annual card fee after the first year if you spend £6,000 or more every year from account opening

56 days interest-free credit period on purchases

ClearSpend app available to manage your account efficiently

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

The Business credit card is for Royal Bank Business Banking customers with a turnover up to £2m.

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 rebates on the things that help you run your business.

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

Representative example

Representative APR


Purchase rate

p.a. (variable)

Assumed credit limit


Annual fee

(for each card)

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.

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

This card in detail…


Interest-free credit period of 56 days

If you pay your balance in full, you get 56 days interest-free credit on purchases.

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. You can find out more about minimum payments in the "Charges" tab.

Annual card fee waiver

The annual fee is normally £30 per 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.


Manage your spending with ClearSpend

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

Smart Data Online

Set up reports to help you check and analyse business spending.


Allocation of payments

If you don’t pay off your balance in full, your payments are applied to the balance in a specific order.

Minimum repayment

The minimum payment will be the greater of: £5 or the full balance if less; or that month’s interest, any Default Charges, 1/12th of any annual fee and 3% of the remaining balance (excluding any annual fee). Remember: if you only make the minimum payment it will take longer and cost more to clear your balance.

Other charges and fees

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


Balance transfer to the Royal Bank Business credit card

Why not move the money you owe from your other Business credit cards? It could mean you pay less interest. Fees may apply.

More information

Some useful information about the Business credit card

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 download the additional cardholder application form

Something else we can help you with?