Search United Kingdom website





Apply-Now 

A fast way to collect Nectar points.

Apply Now 

Rewards Programme
Nectar points
Spending limit
Variable
Annual fee
No annual fee
Representative Example
Representative example: Representative 19.9% APR variable. Based on an assumed credit limit of £1200. Interest rate for purchases: 19.9% p.a. variable.

Collect Nectar points

With up to four Nectar points collected on virtually every full £1 you spend at participating partners1 including Hertz, BP and Viking, There’s never been a faster way to collect Nectar points on your business purchases.2

FX International Payments

Send foreign currency wires and draft payments overseas quickly, securely and cost-effectively.4

Sugar-coated benefits

Owning a Nectar Business Credit Card doesn’t just get you points, it will also get you Purchase Protection. If you bought an item on your Card and it's stolen or damaged within 90 days, we'll replace or repair it, or refund you up to £2,500 per eligible item.3

Account management

You might be collecting Nectar points fast, but our online account management won’t lose track. Log on at any time and monitor your recent Card activity.

Apply Now 

Services For Small Businesses

The American Express Nectar Business Credit Card provides services that small businesses may need from FX International Payments to complimentary additional Cards for colleagues or employees at no additional charge.

FX International Payments

Send foreign currency wires and draft payments oversees quickly, securely and cost-effectively.4Learn more

Supplementary Cards

Apply for complimentary supplementary Cards for your employees. That way, you can extend Cardmember benefits to them and easily keep track of their expenses. With all business expenditures coming out of the one business account, you'll be able to see exactly where the money is going on your statements. You'll also save time when sorting through expenses claims.

Account Management

24-hour secure online access lets you check your balance, past statements, available credit, and keep track of all purchases made on your Card.

Paperless billing

Get monthly bills online and enjoy greater security, more flexibility, and less clutter.

Apply Now 

What will your spend earn you?

With The Nectar Business Credit Card you collect Nectar points fast.2 Here's how:


- 2 Nectar points for virtually every full £1 spent at participating Nectar partners

- 1 Nectar point for virtually every full £1 spent everywhere else

- Up to 4 Nectar points for virtually every full £1 spent when you use both your Nectar Business Credit Card and your Nectar loyalty card at participating Nectar partners.1


So when you're out shopping for everyday items for your business, or settling business expenses, you'll be collecting points.


If you want to accumulate even more Nectar points, you can request complimentary supplementary Cards for your employees. Any spend on the supplementary Card will count towards your total to give you even more points.

Apply Now 

Are there more special perks?

Accepted Worldwide - With the Nectar Business Credit Card you don't stop collecting points just because you've left the country. The Card is accepted worldwide and you will collect Nectar points wherever you go.

Purchase Protection3 - You also get complete peace of mind, because purchases with the Nectar Business Credit Card are protected. If eligible items you bought with the Card are stolen or accidentally damaged within 90 days, it'll be replaced, repaired or the cost refunded up to £2,500.

Refund Protection3 - Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won't refund you, the Nectar Business Credit Card will refund you up to £200.

Emergency Card Replacement - Report a lost, damaged or stolen Card to us and we'll try to get a replacement to you within 24 hours, wherever you are in the world- for no extra charge.

Chip and PIN - Secures your Card and guards against in-store fraud.

Global Assist® provides you with 24-hour help and advice when travelling outside of the UK, in your own language.

Apply Now 

How can you keep tabs on your account?

Manage Your Account Online - The Nectar Business Credit Card lets you manage your account online, with tools and services that help you stay on top of your finances. 24-hour secure online access lets you check your balance, past statements, schedule payments, set up email or text message reminders for payments, as well as view all your recent transactions.

Bank anywhere - You can access your Nectar Business Credit Card account remotely from a mobile phone, laptop or desktop computer with our suite of user-friendly tools and resources.

Paperless Billing - Receive your monthly bills online in minutes and enjoy greater security, more flexibility, and less clutter.

Get help 24/7 - If you have any queries regarding your account just call our 24/7 global customer support hotline at any time.

Apply Now 

Who should apply?

To apply for the Nectar Business Credit Card, you should be able to say yes to the following.

  • I have a Nectar account number (don't worry if you don't have one yet - you can get this online from Nectar.com instantly)
  • I am aged 18 or over
  • The company has been trading for more than one year and has a current UK Bank or Building Society account
  • My personal income is over £20,000
  • I have a permanent UK home address
  • I/The Business have/has no County Court Judgment(s) for non-payment of debt

To ensure timely completion of the application for your Nectar Business Credit Card, it’s best to make sure you have the following information with you before you start to apply for the Card.


Personal details:

  • Your bank or building society account details.
  • Your gross annual income.
  • Any existing American Express Card number (this can help speed up the decision-making process of your application).


Business details:

When completing the application, please note that the address required is the registered address of the business. To complete the application process, we may request additional details for verification and authentication purposes. Do ensure you have the following details at hand, if relevant for your business.

  • Name, date of birth, and address details of any shareholders who own 25% or more of the business.
  • Name, date of birth, and address details of at least two directors of the business if applicable.

Apply Now 

Please read important information below

Read Terms & Conditions
Read Summary Box
Read Insurance Documentation
Read Standard European Consumer Credit Information and Additional Explanations
Your guide to the Lending Code

1. 4 points per £1 consists of collecting 2 points for virtually every full £1 you spend on your Nectar Credit Card and 2 points on your Nectar loyalty card at most participating Nectar partners. For BP and Expedia, different points levels apply. See nectar.com for details.

2. Nectar points are not earned on Balance Transfers, Cash Advances, American Express Travellers’ Cheques purchases, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges.

3. American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Cardmember. Terms, conditions and exclusions apply. Full details of the insurance benefits currently available can be found in Your Insurance Documentation available on this website and which will be provided with your Card . Please read this document to understand the limits and exclusions that may apply.

4. Subject to registering for an American Express Foreign Exchange Account.

Information is correct at the time of going to print. Participating business partners may vary from time to time. Offers are subject to availability and may vary.

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. The American Express Nector Business Card is offered by American Express Services Europe Limited registered office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom registered in England and Wales, Company Number 1833139, and authorised by the Financial Services Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. American Express Services Europe Limited is an appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Services Authority. Details can be found on the FSA Register. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services.