As a business, you need a credit solution that suits your spending patterns, and a consumer card may not cut it. Companies need credit cards specifically designed to meet their needs, from enabling higher spend to managing employee expenses.
There are perks to choosing a business credit card too—many offer unique rewards and benefits that you can leverage.
This article covers the five best business credit cards in 2024 and explains an alternative to traditional credit cards that can give you access to capital and help you increase your cash flow.
The information about all the cards discussed in this article was collected between 5 March 2024 and 7 March 2024. This article was written and approved by Juni and is intended as marketing material.
Business credit cards aren’t the same as cards designed for personal use. Here’s why:
All of these reasons make it important for companies to select cards specifically designed for their needs and functions, which leads us to our list of the best credit cards for businesses.
The American Express Business Gold Card offers a payment period of up to 54 days on purchases with no pre-set spending limit, which can be interesting for businesses looking for a high-limit credit card. It has no annual fee for the first year, after which it’s £195 per year.
This rewards card allows you to earn 1 Membership Rewards point for almost every £1 you spend on your Card, with no limit. You can then spend these points on a variety of benefits, from taking your team out for lunch to running ads on Google.
The Capital on Tap Business Credit Card is designed for small businesses, offering interest-free payment periods of up to 42 days and credit limits of up to £250,000. The card’s interest rates start at 15.5% APR (variable).
Capital on Tap also comes with 1% cashback on card purchases, which you can redeem against your balance, turn into cash or spend on discounted gift cards. There are two card options: the Free Rewards card, with no annual fee, and the Business Rewards card, with an annual fee of £99 per year.
The Metro Bank Business Credit Card is available to Metro Bank customers and comes with a relatively low interest rate of 14.9% APR Representative (variable). While it’s not an interest-free credit card, this option gives users up to 56 days to pay off their balance with 0% interest and has no annual fee.
There are no additional charge fees on card purchases within the European SEPA area, and you can also use this card for balance transfers for up to 75% of your credit limit.
The Eurocard Corporate Gold is a business credit card that offers a number of benefits to users, including access to lounges and travel protection. The card has an annual fee of 525 SEK per card and APR of 13.8%.
When you use the card, you also get access to the Eurocard Portal, a web-based tool where you can manage your cards and accounts. Eurocard also offers a Corporate Platinum card that comes with an annual fee of 1,500 SEK and offers additional benefits like access to travel insurance, concierge services and VIP lounges.
The Qred Business Credit Card is another card best suited to small businesses, and it comes with no starting costs or annual fee. This card gives you up to 45 days to pay off your balance with 0% interest, and you always get 1% cashback when you use your card, which is deducted from your monthly invoice.
Qred also has no currency exchange fees, and interest rates start at just 1.95% per month—just keep in mind that this rate will vary depending on individual factors.
Credit cards are a good cash flow management tool for businesses, as they allow you to cover expenses and invest in growth while waiting for incoming payments. But they’re not the only way to access the capital your business needs to function and flourish.
Juni, for example, offers Capital on cards with access to interest-free financing from 10K EUR, giving you 37 days to repay (and up to 60 days available).*
You can use this capital for anything your business needs, whether that’s running an ad campaign for an upcoming sale or paying for upgrading your inventory management software.
Plus, you can create multiple Juni Mastercard® Corporate cards in USD, SEK, EUR or GBP. These cards come with custom controls, meaning you can assign them to different employees, platforms or suppliers, giving you more control over your spend.
Whenever an employee makes a purchase using a Juni card, it’s automatically reflected in Juni’s financial platform, which offers expense management, accounting automations and a centralised overview of your spend. This gives you real-time visibility over your finances and you can avoid losing time doing manual input and tracking.
Credit can be an incredibly valuable resource for business growth. You can use it to stock up on inventory, run impactful ad campaigns and invest in business development. But the key here is to use your credit wisely.
Be cautious of how you’re spending with credit, especially when operating in a position of negative working capital—that means budgeting and forecasting responsibly. Also pay close attention to details like interest rates, annual fees and payment terms to make sure your credit card is a sustainable solution to easing your cash flow.
And remember, credit cards aren’t the only way to access extra capital to fund business growth. Juni offers Capital on cards to spend on ad campaigns, inventory and whatever else you need to scale your business.*
*Juni Capital for cards is available for companies registered in UK, NL, SE, DE, FR, ES, IT, NO and FI, upon eligibility. Fees and terms and conditions apply. Click here for more details.
The best business card depends on your company’s needs and spending habits, and factors like cash flow and reward preferences play a crucial role. Cards like the Capital on Tap Business Credit Card and American Express Business Gold Card are good options, or you can look to credit card alternatives like Juni.
Getting a business credit card can be a straightforward process if you have a well-established business credit history and meet the issuer's criteria. For startups or those with less stable credit, it might be more challenging, but not impossible.
Providing accurate business information and demonstrating steady income can improve your approval odds. Additionally, some cards are designed specifically for small businesses or those with less established credit histories.
Juni is not a bank – yet. We’re a financial technology company providing e-money services and as such are not part of a deposit guarantee scheme. Learn more about our license and how we keep your business and money safe.
Juni Technology AB (company number 559248-0908) is licensed and registered as an electronic money institution with the Swedish Financial Supervisory Authority (Sw. Finansinspektionen) (license no: 64025). Payment Card Solutions (UK) Limited (company number 05941947) and UAB B4B Payments Europe (company number 305539054) are regulated by the Financial Conduct Authority (ref: 930619) and the Bank of Lithuania (licence no: 76), respectively. The Juni Mastercard Corporate Card is issued by Payment Card Solutions (UK) Limited and UAB B4B Payments Europe pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Juni Technology AB. Masthamnsgatan 21, 413 28 Göteborg, Sweden. © 2025 Juni. All Rights Reserved.
