Business credit card interest rates in the UK
Every rate below is read from the issuer's own published pages, shown lowest first. Figures last checked 22 Aug 2026; an automated weekly run re-reads each source page and flags changes for review.
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.