Business Credit and Charge Cards
Manage your business expenses, free up cash flow and earn rewards with our Credit and Charge Cards.
Log in and apply
Our Business Cards
Business Credit Card
Apply for up to £25,000 to help manage business expenses and cash flow.
- You’ll pay no annual fee for the first 12 months.
- Up to 56 days of interest-free credit on purchases* to ease your cash flow.
- Apply for a credit limit of up to £25,000.
- Earn 1% cashback on fuel and charging and 0.5% on other purchases**.
- Withdraw up to £500 in cash* a day.
- Flexible payment options.
Business Charge Card
Apply for a limit from £1,000 to help free up your working capital.
- You’ll pay no annual fee for the first 12 months.
- Up to 56 days of interest-free credit on purchases* to free up working capital.
- Apply for an unsecured credit limit of up to £25,000. Borrow a minimum of £1,000.
- Earn 1% cashback on fuel and charging and 0.5% on other purchases**.
- Withdraw up to £500 in cash* a day.
- Pay your balance in full every month by direct debit.
Benefits of Business Cards
Work out how much cashback you could earn
You can earn 1% cashback on fuel and electic vehicle charging and 0.5% on other purchases.
This calculator provides an illustration only.
Any cashback earned is credited to your card account monthly.
Results
Monthly total spend: ##ts##
Monthly total cashback: ##mcb##
on fuel and charging: ##fysm##
other purchases: ##mopysm##
Annual cashback: ##ycb##
Frequently asked questions
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Existing customers can log in and apply through Business Internet Banking.
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You can see a full list of fees and charges on our Credit Card and Charge Card pages.
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Credit and Charge Cards can be used in any location in the world that accepts Mastercard® payments. Note that non-sterling payments may be subject to fees and conversion rates.
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Yes. You'll benefit from up to 1% cashback on purchases, and merchant rebates with Business Savings by Mastercard® - you'll also get added protection with Buyers Protection Insurance*** and Travel Insurance***.
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Yes, you can view your Bank of Scotland Credit and Charge Cards online through Business Internet Banking.
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If you are registered as a full access user with Business Internet Banking, you can make changes to your Business Representatives and cardholders online.
Apply now for Business Credit or Charge Cards.
You’ll pay no annual fee for each card added in the first 12 months of business card account opening. After the first year, we’ll charge an annual fee of £32 per cardholder, unless you spend £6,000 or more across all cards each year.
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. |
##euromarkup##% |
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%.
Lending appeals
The right type of funding can play a vital role in helping your business reach its potential. If your lending application is declined, we will work with the British Bankers’ Association to pursue any raised appeals.
*Up to 56 days of interest-free credit applies to all purchases, but there may be other charges and fees for non-sterling purchases. Fees and interest apply to cash withdrawals.
**Cashback doesn’t apply to cash withdrawals, balance transfers, money transfers, cryptocurrency or gambling transactions.
***To provide you with Buyers Protection Insurance and Travel Insurance, Bank of Scotland works with Aspire Insurance Advisers, who administer the policy on behalf of Certain Underwriters at Bank of Scotland.
Cashpoint® is a registered trademark of, Bank of Scotland.
Mastercard® is a registered trademark of Mastercard International Incorporated.