Business credit card interest rates in the UK
Every rate below is the issuer's own published figure, shown lowest first. Each card in the calculator shows the date it was last verified.
Last verified:
Reuse this table. Cite it as “Bramley Money, UK business credit card interest rates, bramleymoney.com/business-credit-card-interest-rates, accessed [date]”. Free to quote or reproduce with a link; the underlying figures are the issuers' own published rates, and every source page is listed on the methodology page.
The two rates are different numbers
The purchase rate is the interest actually charged if you carry a balance. The representative APR is the regulated headline: it includes the annual fee, assumes a £1,200 credit limit, and is the rate at least 51% of accepted applicants must get. A card with a big fee can publish a modest purchase rate and a startling representative APR at the same time; neither number is wrong, they answer different questions. Where an issuer publishes only a “from” rate, the table says so, because a best case is not a typical case. Every assumption is on the methodology page.
When the rate is £0
Every credit card here charges no interest on purchases if the statement is paid in full by the due date, typically up to 56 days after a purchase. The rates above only bite when a balance is carried. If that's you, the ranking that matters is total cost, not headline rewards. What a carried balance actually costs, card by card, is on how credit card interest is calculated.