Business Credit Card

Our Business Credit Card could improve your business's cash flow and provides a useful tool to pay for everyday expenses.

You can also issue up to 20 cards to employees, each with their own spending limits, and will benefit from up to 45 days' interest free credit too.

Key Features

  • Improve cash flow with up to 45 days’ interest-free credit
  • Use at home and abroad where you see the Mastercard sign*
  • View your Credit Card accounts online on Business Internet Banking
  • Flexible repayment options and detailed monthly statements make managing expenses easier
  • An annual fee of £32 per card
    • Apply for a limit of £10,000
    • You decide how many cards are issued (up to 20) and set individual spending limits for each cardholder. Annual charge of £32 per card issued
    • Benefit from flexible repayment options and detailed monthly statements.
    • Up to 45 days' interest free credit if balances are paid in full and on time on previous and latest statements. 
    • Withdraw up to £500 per cardholder per day within the limit. 
    • Provide staff members aged over 18 with an easy way to manage daily business expenses, within certain limits. 
    • Use the card in millions of outlets worldwide where the Mastercard sign is displayed.

    If your business has a turnover of over £2 million please contact your relationship manager before making any applications. 

  • To apply for a Business Credit Card, you should hold a business current account with Bank of Scotland

    • Apply for a limit of £10,000 or less
    • Be a sole trader, partner or director with authority to borrow on behalf of your business
    • Be aged 18 or over
    • Be a UK resident
  • There is an annual card fee of £32. Please visit our terms and conditions section to view all terms and conditions.

    View details of our interest-free period as well as monthly and annual rates. Find out more about our Business Credit Cards rates

  • To apply for a Bank of Scotland Business Charge Card you’ll need to have a Business Current Account with us.


    Complete our application form online and once we’ve received it one of our team will get in touch to talk about your application in more detail.

    Apply now

    By phone

    Existing customers

    Call us on 0345 300 0268.

    New customers

    If you'd like to bank online with us please call 0345 606 0286.

  • As part of our ongoing commitment to supporting UK businesses and improving customer relationships we have clearly defined our appeals process and provided details of how and when you can appeal.

    Find out more


New customers 0345 606 0286

Existing customers Call us on 0345 300 0268

If you have a business current account with us you can apply online

New application journey for new BoS Credit Card can be found at:

Apply onlinestart your application today

Making sure you get a fair deal

We want to find a product that’s right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what’s expected of us, the lender, and you, the borrower.