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Applying for a Business Credit Card

A Business Credit Card can help you separate business expenditure from your personal spending, as well as build your credit score. Plus, the Membership Rewards® and other benefits offer real added value for growing businesses.

 

So, how do you choose the best Business Credit Card for your needs?

Manage Cash Flow
 

Optimise your cash flow management and keep track of your company’s expenses.

Set Spending Limits
 

Easily manage employee spending by setting expense limits.

Earn rewards
 

Earn reward pointsfor your employees or your business.

What to look for in a Business Credit Card or Charge Card

Your number one consideration, when looking at Business Card options, is how the Card will benefit your business.


An American Express® Business Card offers your business a transparent way to keep track of your company’s expenses, streamline cashflow management and set employee spending limits.


With an American Express® Business Gold Card, you’ll benefit from our Membership Rewards, which allow you to earn points for every £1 you spend and 2 Membership Rewards points for every £1 spent with Amex Travel. Points can then be used to offset virtually anything you’ve bought on your Card, or redeemed against purchases from our global network of American Express partner brands.


Before you apply for a Business Credit Card, take the time to weigh up your options.


Start by checking:

  • Eligibility criteria
  • Credit limits
  • Annual fees
  • Interest rates

How to apply for a Business Credit Card or Charge Card

It's easy to apply for a Business Card. Follow these steps to complete your application process:

 

  • Click the “Get Started” to explore our range of Cards.
  • Find the Business Card that will best suit your needs and click 'Apply Now' to start your Business Card application.
  • Fill out the required personal and business information, then hit 'Submit'
  • Once approved, you'll receive your Card in the post
  • Activate your Card and start earning rewards

What will I need to apply for a Business Card?

When you submit your Business Card application, you’ll be asked to fill in some personal information, as well as your business details.

 

In the personal details section, you’ll be asked for the following:

  • Personal information: including your name, email address, date of birth and nationality
  • Contact details: including your phone number and current address. If you’ve lived at your current address for less than three years, we’ll also need your previous address
  • Financial information: including your annual personal income (and any other household income), your employment status and employer contact details, as well as how long you’ve been with your bank or building society

You’ll be asked whether you have an existing American Express Card and, if so, to provide the Card number. This all helps to speed up the decision-making process.

 

In the business details section of the application, you’ll be asked for the following:  

  • Business trading address
  • Full registered name of the business, registered trading address and company registration number, where applicable
  • If relevant, details of all individuals who own or control 25% or more of the company’s shares or voting rights (even if these interests are held indirectly)
  • Details of all Directors/Partners/Committee Members/Officers, where applicable. If the business is run by a sole trader, you’ll need to provide details for this person.

To complete the application process, we may request additional details for verification and authentication.

 

You’ll receive our decision on whether your application has been successful within 10 working days of applying. If you still haven’t heard from us after three weeks, you can contact our team on 0800 032 7642.

 

As soon as you’re approved and your Card arrives, simply activate it online to start using it and earning rewards straight away. To activate your new Card, visit the Activation page and add your Card details. While you’re there, you can also create an Online Account, which makes it easy to manage your Business Card Account via the website or through the American Express® App.

Am I eligible for a Business Card?

Before you apply for an American Express Business Card, check our eligibility criteria to confirm that:

  • You’re 18 or over
  • You have a permanent UK address
  • Your business has a current UK bank or building society account
  • You and your business have no County Court Judgements for non-payment of debt

Need help and support?

Need help completing your application? Click here for more information.

 

What are the benefits of a Business Credit Card?

Paying for business travel, office supplies, business registration or advertising? When you put your business expenses on an American Express Business Card, you can earn rewards for you and your business.

 

What is the difference between a Business Charge Card and a Credit Card?

Business Credit Cards and Charge Cards are each designed to meet different business needs. While you’ll need to pay off your Charge Card bill in full each month, a Credit Card allows you to pay back your purchases over an extended period.

 

What is a business credit score?

Like your personal credit score, your business credit score helps lenders decide whether to extend credit. A Business Credit Card can be a highly effective way to boost your business credit score.

Start earning Rewards for your business today

 

Request a call back from a specialist or call us at

0800 085 7287 (for Corporate Card details)

or

0800 085 7732 (for Business Card details).

Frequently Asked Questions

What is the difference between Corporate and Business credit cards?

Corporate Credit Cards are designed for large companies and require your business to pay the balance in full each billing cycle. Business Cards can be obtained by entrepreneurs and businesses of any size, and many of these cards allow you to carry a balance so that you do not have to pay expenses in full each billing cycle. Additionally, the application process for Business Cards is typically simpler than for Corporate Cards. 

 

Read more about the difference between Corporate and Business Cards.

Can I apply for a Business or Corporate Card online?

You can apply for our Business Cards online, but companies need to apply in person or over the phone for our Corporate Cards. Click here to choose from our range of Business Cards and click here for our Corporate Card options.

What do I need to apply for an American Express Business Credit Card or Charge Card?

When filling out your application, you will need the following:

●       Your company’s legal business name

●       Your company’s address and phone number

●       Your company’s email address

●       Your company’s business industry

●       The number of years your company has been established

●       Company size (number of employees)

●       Company structure

●       Annual company revenue

●       National Insurance Number

What Business or Corporate Card is right for my business?

Corporate Cards are typically available to large-sized companies and corporations, while Business
Cards are designed for small to mid-sized businesses and entrepreneurs. To choose the best American Express Card for your business, compare our range of Cards to find the features and benefits that would best match your company’s size and needs. 

How can I apply for an American Express Business or Corporate Card?

To apply for an American Express Business Card online, choose your preferred Card and click “Apply Now” to begin the application process. To apply for a Corporate Card, you need to fill out an application in person or over the phone. To apply over the phone, call 0800 085 7287 for Corporate Cards or 0800 917 8043 for Business Cards. 

How can I use the Membership Rewards® programme to benefit my business?

American Express Corporate Cards, the Business Platinum Card, and the Business Gold Card come with Membership Rewards programmes that allow you to receive rewards for your business and travel expenses1. These rewards can come in the form of points, statement credits, merchandise, and more. You can use the rewards you earn to reinvest in your business, reward your employees and clients, or get a free hotel stay or flight on your next business trip.

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