Business Credit and Charge Cards

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 Credit Card

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.
Business Charge Card

Benefits of Business Cards

Cost-effective working capital

Up to 56 days interest-free credit on purchases* to ease your cash flow.

Cashback and Rewards

Earn 1% cashback on fuel and electric charging and 0.5% on other purchases**. Take advantage of merchant rebates with Business Savings by Mastercard®.

Insurance

Benefit from cover for trips with Travel Insurance*** and additional protection when purchasing with Buyers Protection Insurance***.

Track expenses

It is easy to keep up with your business outgoings online.

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.

£
£
monthly spend
Fuel Yearly Spend

 


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

Corporate Cards

Corporate Cards


For businesses with a turnover over £3 million, our Corporate Cards offer a range of physical and virtual payment solutions. They also integrate with your accounting systems to streamline processes.

 

Corporate Cards

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. 

Online

You can apply online if you already have a business bank account with us.

Log in and apply

By telephone

Call our Business Management Team on 0345 300 0268.

We’re available from 9am to 5pm, Monday to Friday, except public holidays.

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.

 

£
Indicative transaction value (excl Fees)
Transaction Fee Rate
Transaction Fee
Indicative Statement Value (incl Fees)
ECB to Sterling equivalent Indicative transaction Value
ECB to card variance
ECB Markup sub
ECB Mark up
ECB Pairing Rate
Cash Transaction Ffee

Edit Key/Value Pair Calculator

Edit Key/Value Pair Calculator

 

  

   

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

Appeals, has your Business Finance been declined? You can ask for the decision to be reviewed 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.

More about lending 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.