Top 10 Easy To Get Best Business Credit Cards In UK | Easiest For 2025
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When you’re starting a new business or running a small enterprise, access to credit can be vital for managing cash flow, covering expenses, and investing in growth. Identifying best business credit cards is must.
However, securing a business credit card can sometimes be challenging, especially if your business is new or if you have a lower credit score. Fortunately, there are business credit cards in the UK that are easier to get, even for startups or those with limited credit history.
In this guide, I’ll walk you through the top 10 easiest and best business credit cards to obtain in the UK, helping you find the right option to support your business.
Why Choose an Easy-to-Get Business Credit Card?
For many small businesses, especially startups, getting access to credit can be a lifeline. Easy-to-get business credit cards are particularly beneficial because they offer the flexibility you need without stringent eligibility requirements.
These best business credit cards can help you manage short-term cash flow, cover operational expenses, and make necessary purchases without the hassle of a lengthy approval process. Moreover, they can also be an excellent tool for building your business credit profile, which is essential for securing better financial products in the future.
What Factors Make a Business Credit Card Easy to Get?
Several factors contribute to how easy it is to obtain a business credit card. Here are some of the key aspects:
- Lower Credit Score Requirements: Cards with lower credit score thresholds are generally easier to qualify for, making them ideal for businesses with limited or poor credit history.
- Minimal Income Documentation: Some credit cards do not require extensive proof of income, making the application process quicker and simpler.
- Secured vs. Unsecured Options: Secured credit cards, which require a deposit, are typically easier to get approved for as they pose less risk to the lender.
By understanding these factors, you can better identify which cards might be the easiest for your business to obtain.
Top 10 Easy to Get Best Business Credit Cards in the UK For 2025
Let’s explore the top 10 business credit cards in the UK that are known for their ease of approval.
1. Capital on Tap Business Credit Card
Capital on Tap is a favorite among small businesses for its straightforward application process and quick approval times. With no annual fee and a competitive or zero percent interest rate credit cards, this card is an excellent option for businesses needing immediate access to credit.
- Features: No annual fee, fast approval, up to £50,000 credit limit.
- Why It’s Easy to Get: Capital on Tap has flexible eligibility criteria, making it accessible to many businesses, including startups.
Pros:
- Quick and easy approval process.
- No annual fee.
- High credit limit available.
Cons:
- Interest rates can be high if the balance isn’t paid in full each month.
- Limited perks compared to other premium cards.
2. Barclaycard Business Credit Card
Barclaycard offers a range of business credit cards, but their standard business card is particularly easy to get. With various perks and a solid reputation, Barclaycard is a reliable choice for small businesses.
- Features: Introductory offers, rewards program, online account management.
- Why It’s Easy to Get: Flexible credit requirements and a straightforward application process.
Pros:
- Attractive introductory offers.
- Access to Barclaycard’s extensive rewards program.
- Strong customer service.
Cons:
- Higher interest rates after the introductory period.
- Fees may apply for certain transactions.
3. American Express Business Gold Card
American Express is known for premium cards, but their Business Gold Card is surprisingly accessible for businesses with consistent income. It offers excellent rewards and flexibility for managing business expenses.
- Features: Membership Rewards points, no pre-set spending limit, purchase protection.
- Why It’s Easy to Get: Easier approval for established businesses with steady revenue.
Pros:
- Generous rewards program.
- No pre-set spending limit.
- Comprehensive purchase protection.
Cons:
- Requires good to excellent credit.
- High annual fee after the first year.
4. Tide Business Credit Card
Tide is designed specifically for small businesses and freelancers. Their business credit card is easy to obtain and integrates seamlessly with their business banking app, making it a convenient choice.
- Features: No annual fee, integration with Tide account, easy expense management.
- Why It’s Easy to Get: Designed for startups and small businesses with simplified application requirements.
Pros:
- No annual fee.
- Easy integration with Tide’s business banking services.
- Quick and simple application process.
Cons:
- Limited credit limit.
- Fewer rewards or perks compared to other cards.
5. HSBC Business Credit Card
HSBC offers a business credit card that’s ideal for small businesses looking for straightforward access to credit. The card comes with useful features like cashback and purchase protection.
- Features: Cashback on purchases, free additional cards, purchase protection.
- Why It’s Easy to Get: Lower credit requirements and a focus on small to medium enterprises (SMEs).
Pros:
- Cashback on everyday business purchases.
- Free additional cards for employees.
- Good purchase protection.
Cons:
- Limited rewards program.
- Higher interest rates for balances carried over.
6. Metro Bank Business Credit Card
Metro Bank is known for its customer-centric approach, and their business credit card is no different. The card is easy to apply for, with a fast approval process that’s great for businesses that need quick access to funds.
- Features: Competitive interest rates, flexible credit limits, no annual fee.
- Why It’s Easy to Get: Simplified application process, particularly for existing Metro Bank customers.
Pros:
- Competitive interest rates.
- Flexible credit limits.
- No annual fee.
Cons:
- Limited rewards or perks.
- Best suited for existing Metro Bank customers.
7. Revolut Business Credit Card
Revolut has become increasingly popular among small businesses due to its modern approach to banking and finance. The Revolut Business Credit Card offers flexible spending options with an easy application process.
- Features: Multi-currency accounts, expense management tools, no foreign transaction fees.
- Why It’s Easy to Get: Accessible to new businesses and startups with basic eligibility requirements.
Pros:
- No foreign transaction fees.
- Integrated with Revolut’s digital banking platform.
- Multi-currency support.
Cons:
- Lower credit limits.
- Limited rewards program.
8. Cashplus Business Credit Card
Cashplus is an excellent choice for businesses or individuals with bad credit or no credit history. Their business credit card offers a straightforward path to access credit while helping to build or repair your credit score.
- Features: No credit check required, instant approval, credit building tools.
- Why It’s Easy to Get: Designed specifically for those who are in need of business credit cards with bad credit, with no credit check required.
Pros:
- No credit check required.
- Instant approval.
- Helps build or repair credit.
Cons:
- Lower credit limits.
- Higher fees and interest rates.
9. Santander Business Credit Card
Santander’s business credit card is another strong contender for small businesses. With a reasonable credit limit and straightforward terms, it’s an accessible option for businesses with moderate credit profiles.
- Features: Flexible credit limits, purchase protection, up to 56 days interest-free credit.
- Why It’s Easy to Get: Flexible eligibility criteria and a reputation for supporting small businesses.
Pros:
- Generous interest-free period.
- Flexible credit limits.
- Strong purchase protection.
Cons:
- Fees may apply for certain services.
- Limited rewards program.
10. Lloyds Bank Business Credit Card
Lloyds Bank offers a business credit card that’s easy to obtain, especially for small businesses with lower credit scores. The card provides essential features without the burden of high fees or complex requirements.
- Features: Competitive interest rates, online account management, fraud protection.
- Why It’s Easy to Get: Lower credit score requirements and straightforward application process.
Pros:
- Competitive interest rates.
- Good fraud protection.
- Easy online account management.
Cons:
- Limited rewards or perks.
- Lower credit limits.
How to Choose the Right Easiest Business Credit Card?
When selecting the best business credit card, consider the following factors:
- Credit Limits: Ensure the card offers a sufficient credit limit to meet your business’s needs.
- Interest Rates and Fees: Look for cards with competitive interest rates and low or no annual fees.
- Rewards and Benefits: Some cards offer cashback, rewards points, or other perks that can add value to your spending.
- Application Process: Choose a card with a quick and straightforward application process, especially if you need immediate access to funds.
By evaluating these factors, you can select the business credit card that best aligns with your financial situation and business goals.
What are the Common Pitfalls to Avoid while choosing a business debit card?
While easy-to-get business credit cards offer many advantages, there are some potential drawbacks to be aware of:
- Higher Interest Rates: Cards that are easier to obtain may come with higher interest rates, so it’s important to pay off your balance in full each month.
- Lower Credit Limits: These cards may also have lower credit limits, which could be restrictive for businesses with higher spending needs.
- Limited Benefits: Easy-approval cards might offer fewer rewards and perks compared to more premium options.
Avoiding these pitfalls will help you make the most of your business credit card while minimizing any potential downsides.
How Can These Cards Help Build Your Business Credit?
Using an easy-to-get business credit card responsibly is a great way to build or improve your business credit score. Here’s how:
- Timely Payments: Always pay your credit card bill on time to build a positive credit history.
- Keep Balances Low: Maintain a low balance relative to your credit limit to improve your credit utilization ratio.
- Monitor Your Credit: Regularly check your business credit report to track your progress and ensure accuracy.
By following these practices, you can strengthen your business credit profile, making it easier to qualify for better financial products in the future.
Conclusion
Choosing the right business credit card is an important decision that can greatly impact your business’s financial health. The cards listed above are some of the easiest to obtain in the UK, offering accessible credit options for startups and small businesses.
Whether you’re looking to build credit, manage cash flow, or simply have a reliable financial tool at your disposal, there’s a card on this list that’s right for you. By carefully considering your needs and avoiding common pitfalls, you can select the best card to support your business’s growth and success.
