Premium Plus business credit card

Get six months interest-free on purchases from account opening. T&Cs apply*

With our Premium Plus credit card

Representative example

Representative 56.4% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on a £1,200 credit limit
Annual fee £150 (per account)

Product T&Cs apply
Insurance T&Cs apply
Standard Cashback T&Cs apply

We’ll decide whether to approve your application and the terms we offer by looking at your financial circumstances and borrowing history.

Product T&Cs apply
Insurance T&Cs apply
Standard Cashback T&Cs apply

We’ll decide whether to approve your application and the terms we offer by looking at your financial circumstances and borrowing history.

Enjoy 0.5% cashback on all your business spend^†
Get up to 56 days’ interest-free credit when you pay in full and on time^Δ
Includes business travel, purchase protection and cardholder misuse insurance^**

Apply now 

Summary box 

Discover a more rewarding way to pay with Premium Plus

A smarter way to make big purchases

Get six months interest-free on purchases from account opening.^*
Unlock cashback on your business spend^†

Get 0.5% cashback on all business spend, up to £400 per year.^†
Free enhanced travel insurance^**

Covering you overseas if you pay your trip in full with your Premium Plus credit card.^** T&Cs apply.
Save when you travel abroad

Streamline international transactions with a 2% reduction in foreign exchange fees.
Handpicked perks, only for our business cardholders

Save on the everyday costs of doing business with our rewards and discounts. T&Cs apply.

Recognised for the 11th year running

We’re delighted to be announced ‘Best Business Card Provider’ at the 2024 Business Moneyfacts Awards for the 11th year running.

We’re very proud to be recognised for supporting the UK’s business community 11 years in a row – demonstrating how much we value and reward our customers year in and year out.

Important things you need to know

We recommend viewing the terms and conditions and the information in the linked documents below.

We’ll decide whether to approve your application and the terms we offer by looking at your financial circumstances and borrowing history.

*If you don’t make at least your minimum payment on time each month, or if you go over your business credit limit, you’ll immediately lose any promotional rates you have. If you do lose your promotional rate, or when your promotional rate ends, we’ll transfer promotional balances to your standard balance, or cash balance if they relate to cash transactions.

^†Standard cashback T&Cs apply. The maximum amount of cashback you can earn in any cashback year is £400. 0.5% cashback applies to eligible purchases that you or an additional cardholder makes. This excludes purchases that are returned or refunded, balance transfers, cash withdrawals, cheque purchases, insurance premiums, interest, default charges and other fees and charges.

^ΔUp to 56 days’ interest-free credit on business purchases. If you do not pay your balance in full, you will pay interest on the outstanding balance in line with the standard terms and conditions.

^**Insurance T&Cs apply. If you opt out of insurance, you won’t be eligible for the insurance benefits and won’t be able to make a claim. If you’d like to opt back in, please call us on 0800 008 008 and we’d be happy to help. We’re open 24 hours a day, seven days a week.

^††Free FreshBooks Plus plan available for selected Barclaycard customer only. FreshBooks reserves the right to terminate free accounts that don’t belong to an existing Barclaycard customer. The partners may receive a revenue share from each other on approved applications.

^ΔΔSubject to your company policy. Apple T&Cs apply.

You must pay at least the minimum payment every month. This could be:

£5 every month or the full balance if less than £5

an amount equal to any interest, default fees or account fees that have been added to your account since your last statement, plus 1% of the remaining statement balance

Remember, if you only make your minimum repayment each month it’ll take you longer and cost you more to clear your balance. But we’ll never ask you to pay more than you can afford. If you want to talk about your finances, call us on 0800 008 008 and we’d be happy to help. We’re open 24 hours a day, seven days a week.

If you’ve made a late payment, gone over your limit or have a returned payment, you’ll be charged £12. You can avoid paying these fees by staying within your credit limit and making sure you schedule your monthly payments via Direct Debit.

When making a purchase abroad, you’ll be charged the following fees:

non-sterling transaction fee – 0.99%

non-sterling cash fee – 3% (minimum £3) plus 2.99% non-sterling transaction fee

More reasons to choose a Premium Plus credit card

Manage your account and spending

You can keep track of your spending, check balances, make payments and set up Direct Debits with online servicing.

Set controls on business spending

Manage your cardholders spend across multiple categories with MyControls.

Enhanced safety and security

We use the latest cutting-edge tech to ensure every payment you make is protected.

Add cardholders to your account

Account administrators can add cardholders for free and set their limits.

Keep track of your business transactions

Simplify your invoicing and expenses with a free FreshBooks accounting plan, worth over £260 a year.^††

Connect with Apple Pay

Make fast and secure payments by using your Barclaycard with Apple Pay.^ΔΔ

Ready to apply? Here’s what you need

You can apply if:

You’re a business owner or director
Directors and employees are over 18 years old
Your business is UK-based
Your business turnover or new business plan exceeds £10,000 per year
You and your business aren’t bankrupt or in bankruptcy proceedings
Your existing financial commitments aren’t overdue and have been managed well over the last 12 months
You haven’t been declined for a Barclaycard commercial card in the last six months
You’ve looked at all of our business cards and have carefully considered if this one’s right for your business

What you’ll need to hand:

Your business’ details
Your bank details – a bank statement should have everything you need
Financial information such as business turnover and net profit before tax
Details of your business partners or other business owners including their date of birth, current home address and up to three years of their address history (this doesn’t apply to sole traders)

Apply now 

Are you an existing customer looking to upgrade to Premium Plus?

Call us on 0800 008 008 and we’d be happy to help. We’re open 24 hours a day, seven days a week.

Before you apply, please read our insurance terms and conditions carefully and decide if you’d like to opt out of receiving the free insurance benefits included with this card. If you’d like to receive a paper version of this document, call 0808 256 8488.

You’ll automatically be opted in to receive paperless statements and insurance benefits. To opt out, you’ll need to call us on 0808 256 8488 before applying. Please also read the card terms and conditions and view the summary of rates.

And finally, your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more, visit understanding interest rates.

Have you considered these options?

Need help choosing?

Try our tool to compare our cards and see which one is best for your business.

Compare cards

Select Cashback credit card

Discover a more rewarding way to pay for your business essentials.

Select Cashback

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Discover a smarter way to control spend and manage business expenses.

Select charge card

Get six months interest-free on purchases from account opening. T&Cs apply*

Representative example