• Business Credit Card Summary Box

    The information contained in this table summarises key product features and is not intended to replace any Terms and Conditions.

  • APR Typical 22.4% APR (variable)
    Interest Rates Monthly Rate Annual Rate
    Purchases 1.358% 16.3%
    Cash Withdrawals 1.358% 16.3%
    Interest-free period
    • Maximum 45 days on new purchases if you pay your balance in full and on time each month.
    • No interest-free period on Cash Withdrawals.
    Interest charging information

    You will not pay interest on new purchases if you pay your balance in full and on time. Otherwise, the period over which interest is charged is as follows:

    From Until
    Purchases date Transaction is added to the Cardholder Account paid in full
    Cash Withdrawals date Transaction is added to the Cardholder Account paid in full

    If you repay your balance in full, you will pay interest on Cash Withdrawals on consecutive statements. The first statement will cover the period from the date the Cash Withdrawal is added to the Cardholder Account to the Statement date and the following will show interest payable between the previous Statement date and the date of your repayment.

    Allocation of payments

    If you do not pay off your balance in full, payments we receive will be applied in the following order of highest first to lowest (transactions may attract different interest rates):

    1. Interest and charges (other than those mentioned below);
    2. Annual fees;
    3. Cash Withdrawals and charges for Cash Withdrawals;
    4. All other amounts on the Business Account, including Purchases, charges for copy statements, copy transaction receipts and additional copies of reports.

    For further details, please refer to your Business Credit Card terms and conditions.

    Minimum repayment
    • 5% of the balance shown in the Statement or £5.00 whichever is greater.
    • If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance.
    Business credit limits
    Minimum Business credit limit £1,000
    Maximum Business credit limit £10,000 subject to status

    £32 per card per annum

  • Charges

    Cash Withdrawals 2.5% handling fee, minimum £2.50.
    Copy of statements £6.00 for a copy of a non-current Statement.
    Copy of sales voucher £5.00 per item.
    (There will be no charge if your query reveals an error has been made).
    Copy of report £15.
    Default charges £12 for late payments, returned payments or if you exceed your Business Limit.

    Foreign fees

    Payment Scheme Exchange Rate Indicative rates can be found at:
    Non-Sterling Transaction fee 2.95% of the amount of the Sterling transaction value.
    Non-Sterling Cash fee 2.5% (minimum £2.50).

    Default Charges

    Late payment fee £12.00
    Business Limit exceeded fee £12.00
    Returned payment fee £12.00


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