Business Plus credit card

Earn cashback, no foreign exchange charges and a great rate

Get rewarded for your everyday business spending

£70 annual fee per cardholder

Get 0.5% cashback on everything you buy, 2% on eligible trade/business suppliers and 1% on eligible fuel and accommodation. Limited to £400 per year

No foreign transaction fees on purchases abroad

Up to 56 days interest-free credit period on purchases

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

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

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 Plus 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.

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

What do you get?

Get 2% cashback on eligible trade/business supplies

Get 1% cashback on eligible fuel and hotel accommodation

Get 0.5% cashback on everything else

We won't charge you foreign transaction charges for overseas purchases

Unlike most credit cards, we won't charge you for any non-sterling transactions on your card while you're away on business. Please note that a cash fee will still apply if you withdraw cash in a foreign currency and you may be charged a fee by a third-party bank/ATM provider.


Interest-free credit period of up to 56 days

If you pay your balance in full, you get up to 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. If you want to pay more than the minimum you’re also able to make additional payments. You can find out more about minimum payments in the 'Charges' tab.

Credit limit (minimum £500, maximum subject to status)

Use the card for anything from petty cash to buying IT equipment.


Managing your Business Plus credit card

We've got a number of online tools to help you get the most out of your Business Plus credit card.

Smart Data Online

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

Manage your spending with ClearSpend

ClearSpend is a new, convenient, free mobile application available on iOS and Android. You'll be able to see your monthly cashback in the app too.


Allocation of payments

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

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 Plus 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.

Want to see how much you could earn?

This table has examples of our customers' typical spend with a Business Plus credit card. This is to give you an idea of what you could earn if you had one too.
The actual cashback you could earn will depend on how much you spend. Any cashback earned is credited to your card account monthly.

More information

Got more questions? Here are some common ones

I want to apply

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

Are you a...

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

When you apply for a business bank account, you may be given the option to apply for the Business Plus credit card at the same time (subject to status).

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
I have reviewed, and printed/or downloaded the terms and conditions for Sole Traders, Limited Companies, and the Standards of Lending Practise

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.

Please review, print/or download the terms and conditions for Sole Traders, Limited Companies, and the Standards of Lending Practise

You can download the additional cardholder application form

Something else we can help you with?