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A fast way to collect Nectar points.

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 4 Nectar points collected on virtually every full £1 you spend at participating partners including Hertz, BP and Viking1, 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.

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.Learn 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.

What will your spend earn you?

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


- 2 Nectar points for virtually every full £1 spent at participating Nectar partners2

- 1 Nectar point for virtually every full £1 spent everywhere else2

- 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.

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.

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.

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 £30,000
  • 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.

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 full £1 spent consists of collecting 2 points for every full £1 spent and charged on your Nectar Business Credit Card (except for purchases made at warehouse retailers in the United Kingdom e.g. Costco where you will collect points at the rate of 1 point for every full £1) and 2 points on your Nectar Business card at most participating Nectar partners. For BP, Ebay, Expedia, Homebase and Vision Express, different points levels apply as the base earn rate on the loyalty card varies. See nectar.com for details.

2. Nectar points are not collected  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 Card member. 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 UK residents and 18 yeats old or over. Approval is subject to status and terms and conditions apply. 

The Nectar Business Credit 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 with Company Number 1833139. American Express Services Europe Limited is authorised in the United Kingdom by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services.