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
- Make contactless payments on transactions up to £45 at participating retailers (where retailers’ payment terminals enabled)
- An annual fee of £32 per card.
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- 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.
- Apply for a limit of £10,000
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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
- Apply for a limit of £10,000 or less
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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
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To apply for a Bank of Scotland Business Charge Card you’ll need to have a Business Current Account with us.
Online
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.
Please follow these instructions when you click ‘Log in and apply now’
- Enter your login details, which will take you to the Business Internet Banking Homepage
- Select ‘Cards’ in the left hand ‘Our Products and Services’ menu
- Select ‘Apply for a Credit Card’
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.
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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.
Helping you compare our credit card currency charges with other providers
You can now compare our currency conversion charges for card transactions in euro and other EEA currencies. We display these charges as a percentage mark up over the European Central Bank reference rate (ECB rate). The table below does not take into account any other transaction costs we charge, for example foreign currency cash fees.
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Your Credit Card foreign currency transaction fee mark up over the ECB rate. |
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Exchange rates
The table should be used as a guide only. Rates are updated once a day on business days. We use Mastercard rates and ECB rates which are subject to change.
Transactions in EEA currencies other than euro will be converted to euro first, then pounds sterling.
You can find the latest available Mastercard exchange rate here.
Fees for currency conversion
The comparison above uses the credit card standard non-sterling transaction fee of 2.75%.