Best Business Credit Cards with Points: Top 5 in 2025

If you’re a business owner looking to maximize rewards while managing expenses, a business credit card with points can be a game-changer. These cards not only help streamline cash flow and track spending but also reward you with points, cashback, or travel perks for every pound you spend.

With so many options available, choosing the right card can feel overwhelming. To make it easier, we’ve compiled a list of the best business credit cards with points and rewards for UK small and medium-sized enterprises (SMEs).

Let’s dive in!

Why Choose a Business Credit Card with Points?

A business credit card with points offers several benefits:

  • Earn Rewards: Turn everyday business expenses into points that can be redeemed for travel, cashback, or other perks.
  • Simplify Spending: Consolidate business expenses onto one card for easier tracking and accounting.
  • Access Exclusive Benefits: Many cards come with additional perks like airport lounge access, travel insurance, and discounts on business tools.
  • Improve Cash Flow: Enjoy interest-free periods and flexible repayment options.

Whether you’re a frequent traveler, a small business owner, or a startup, there’s a card that fits your needs. Below, we’ve highlighted the top options for earning points and rewards.

Top Business Credit Cards with Points and Rewards

Capital on Tap Business Rewards Card

Capital on Tap Business Rewards Card

  • Annual Fee: £99
  • Rewards: 1% uncapped cashback + Avios points
  • Intro Bonus: 10,000 Avios points when you spend £5,000 in the first three months
  • APR: Representative 59.15% variable
  • Credit Limit: Up to £250,000
  • Best For: Frequent flyers and businesses with high spending

The Capital on Tap Business Rewards Card is a standout choice for businesses that want to earn Avios points on their spending. In addition to 1% cashback on all purchases, you’ll earn Avios points that can be redeemed for flights, upgrades, and more. The introductory offer of 10,000 Avios points (worth £50–£200) can offset the annual fee in the first year.

Key Features:

  • Unlimited free company cards with spending controls.
  • No foreign transaction or ATM fees.
  • Discounts on SaaS platforms like Sage and Slack.

Eligibility:

  • Minimum business turnover of £24,000 per year.
  • Active private limited company (Ltd) or limited liability partnership (LLP).
  • No unsatisfied CCJs in the past year.

Capital on Tap Business Pro Credit Card

  • Annual Fee: £299
  • Rewards: 1% uncapped cashback, Radisson Rewards VIP status, airport lounge access
  • Intro Bonus: 10,000 bonus points when you spend £5,000 in the first three months
  • APR: Representative 59.15% variable
  • Best For: Frequent travelers and Radisson hotel guests

The Business Pro Card is the premium offering from Capital on Tap, designed for businesses that travel frequently or stay at Radisson hotels. In addition to 1% cashback, cardholders enjoy Radisson Rewards VIP status, which includes free room upgrades, complimentary breakfast, and access to VIP lounges. You’ll also get unlimited access to over 1,600 airport lounges worldwide.

Key Features:

  • Two free guest lounge passes per year.
  • Premium metal card design.
  • Syncs with accounting software like QuickBooks and Xero.

Eligibility:

  • Active director or majority shareholder with over 25% ownership.
  • UK-based Ltd or LLP with no CCJs in the past 12 months.
  • Minimum annual turnover of £24,000.

Barclays Business Select Cashback

  • Annual Fee: £0
  • Cashback: 1% uncapped (requires £2,000/month spending)
  • APR: Representative 27.5% variable
  • Best For: Startups and sole traders

The Barclays Business Select Cashback card is a great option for businesses that want to earn cashback without an annual fee. You’ll earn 1% cashback on all spending, but only on months where you spend £2,000 or more. This card is particularly appealing to startups and sole traders, as it has no annual fee and offers a 56-day interest-free period.

Key Features:

  • Free access to FreshBooks accounting software (worth £260/year).
  • Discounts with partners like AA, AXA Health, and Zipcar.
  • No foreign transaction fees.

Eligibility:

  • Sole traders or registered UK businesses.
  • Turnover or new business plan exceeding £10,000 per year.

Santander Business Cashback Credit Card

Santander Business Cashback Credit Card

  • Annual Fee: £30
  • Cashback: 1% uncapped
  • APR: Representative 23.7% variable
  • Best For: Businesses with low overheads

The Santander Business Cashback Credit Card offers 1% uncapped cashback with no spending requirements, making it ideal for businesses with lower monthly expenses. While it lacks an introductory bonus, its low annual fee and competitive APR make it a solid choice for small businesses.

Key Features:

  • No foreign transaction fees on local currency purchases.
  • Up to 56 days of interest-free credit.
  • Four free additional cards for employees or directors.

Eligibility:

  • Must have a Santander 123 Business Current Account or Business Current Account.
  • Sole traders or registered UK companies with no more than two partners or directors.

RBS Business Plus Credit Card

  • Annual Fee: £70
  • Cashback: 3% on fuel/EV charging, 2% on trade suppliers, 1% on travel, 0.5% on other purchases
  • APR: Representative 27% variable
  • Best For: Businesses with high fuel or supply expenses

The RBS Business Plus Credit Card is tailored for businesses with significant spending on fuel, supplies, or travel. With tiered cashback rates, you can earn up to 3% on eligible fuel and EV charging purchases. However, the £70 annual fee and £600 annual cashback cap may limit its appeal for high-spending businesses.

Key Features:

  • Clearspend integration for expense tracking.
  • Competitive purchase rate of 13.9%.
  • Up to 56 days of interest-free credit.

Eligibility:

  • Existing RBS business account holder.
  • Registered UK business with annual turnover under £6.5 million.

Final Thoughts

A business credit card with points can be a powerful tool for earning rewards, simplifying expenses, and accessing exclusive benefits. Whether you’re a frequent traveler, a startup, or a small business owner, there’s a card that fits your needs. The Capital on Tap Business Rewards Card and Business Pro Card are excellent options for earning Avios points and travel perks, while the Barclays Business Select Cashback and Santander Business Cashback Credit Card are ideal for cashback enthusiasts.

Before applying, compare the features, fees, and eligibility requirements to find the card that aligns with your business goals. With the right card, you can turn everyday spending into valuable rewards and take your business to new heights.