GuideLast checked 8 November 2026

Barclaycard alternatives

Business credit cards from Barclays for UK businesses with turnover between £10,000 and £6.5 million: Select Cashback with no annual fee, and Premium Plus with a £150 fee, 0% on purchases for six months and a lower FX fee. If it doesn't fit, here are 31 accounts that share its market, starting with Incard, our pick for businesses whose main costs go on cards.

By the editorial team. How we make money. Our Barclaycard profile.

Why Incard is our pick instead of Barclaycard

Incard lists a euro account, which Barclaycard's pages don't
Incard lists a US dollar account, which Barclaycard's pages don't
Incard lists accounts for LLPs, which Barclaycard's pages don't
Card cashback on Incard: Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped. Barclaycard: Select Cashback 1% uncapped in months with £2,000+ spend; Premium Plus 0.5%, up to £400 a year

cashback a year on Incard's £0 Free plan from £5,000 a month of eligible ads, software and travel spend. Simple arithmetic, not a forecast.

£600

Apply for Incard on incard.co

We may earn a commission if you apply.

The alternatives

**Table notes:** correct as of 8 November 2026, from each provider's own pages. Incard is first as our pick for card spend (we may earn a commission from it); the rest are alphabetical, not ranked. “Lists” means the provider's pages mention it and Barclaycard's don't.
Account	Cheapest plan	Lists, unlike Barclaycard	Compare
IncardOur pick for card spend	Free: £0 a month	a euro account, a US dollar account, LLPs, Swiss GmbHs and AGs, Swiss sole traders	Compare Incard and Barclaycard
AirwallexE-money · safeguarded, no FSCS	Explore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)	a euro account, card payments from customers, Swiss GmbHs and AGs
Allica BankBank · FSCS cover	£0 a month with an average balance of £10,000 or more; otherwise £25 a month	bank deposit protection
AmexCredit card · no deposits held	Business Gold: £195 a year (£0 in the first year)	LLPs	Compare Amex and Barclaycard
ANNAE-money · safeguarded, no FSCS	Free: £0 a month, pay for what you use	invoicing
Bank of ScotlandBank · FSCS cover	No account fee for 12 months on a business's first account, then £10 a month	a euro account, cash deposits, card payments from customers, bank deposit protection
BarclaysBank · FSCS cover	Free for 12 months, then £8.50 a month	a euro account, a US dollar account, cash deposits, LLPs, bank deposit protection
Capital on TapCredit card · no deposits held	Free: £0 a year	LLPs	Compare Capital on Tap and Barclaycard
CountingupBank · FSCS cover	Free for 3 months, then £5 a month while you pay in up to £750 a month	card payments from customers, invoicing, bank deposit protection
Danske BankBank · FSCS cover	Small Business Digital: free for 2 years for eligible new Northern Ireland businesses, then £9 a month	a euro account, cash deposits, bank deposit protection
Equals MoneyE-money · safeguarded, no FSCS	Business: £25 a month (£250 a year)	a euro account, a US dollar account
HSBCBank · FSCS cover	£0 a month	cash deposits, LLPs, bank deposit protection
LloydsBank · FSCS cover	Free for 12 months for businesses new to Lloyds, then £10 a month	a euro account, cash deposits, card payments from customers, bank deposit protection
Metro BankBank · FSCS cover	£8 a month, or £0 in any month your balance stays at £6,000 or more; 12 months fee-free for businesses new to Metro Bank, 31 months for full switchers	a euro account, a US dollar account, cash deposits, invoicing, LLPs, bank deposit protection
MettleBank · FSCS cover	No fee for maintaining the account	cash deposits, invoicing, bank deposit protection
Monzo BusinessBank · FSCS cover	Lite: free	cash deposits, invoicing, bank deposit protection
NatWestBank · FSCS cover	No monthly fee; 2 years' free everyday banking for start-ups (turnover up to £1 million) and full switchers (turnover up to £2 million)	cash deposits, card payments from customers, bank deposit protection
PayhawkE-money · safeguarded, no FSCS	Growth program: £149 a month	Nothing extra listed
PleoE-money · safeguarded, no FSCS	Start: £8 per user a month	a euro account, a US dollar account
Revolut BusinessBank · FSCS cover	Basic: £10 a month	a euro account, a US dollar account, card payments from customers, bank deposit protection
RBSBank · FSCS cover	No monthly fee; 2 years of free everyday banking for start-ups (turnover under £1m) and full-switch customers (turnover up to £2m)	cash deposits, bank deposit protection
SantanderBank · FSCS cover	Free for 12 months for start-ups and switchers, then £9.99 a month	cash deposits, card payments from customers, LLPs, bank deposit protection
SoldoE-money · safeguarded, no FSCS	Standard: £27 a month + VAT	a euro account, a US dollar account
StarlingBank · FSCS cover	£0 a month	a euro account, a US dollar account, cash deposits, card payments from customers, LLPs, bank deposit protection
Co-op BankBank · FSCS cover	£0 a month	cash deposits, card payments from customers, LLPs, bank deposit protection
TideBank · FSCS cover	Lite: £0 a month	cash deposits, bank deposit protection
TSBBank · FSCS cover	Free for 30 months, then £5 a month (not charged if your average balance is £10,000 or more)	cash deposits, card payments from customers, bank deposit protection
Virgin MoneyBank · FSCS cover	25 months' free day-to-day banking for eligible start-ups and switchers, then £6.50 a month	cash deposits, card payments from customers, LLPs, bank deposit protection
Wise BusinessE-money · safeguarded, no FSCS	No subscription or monthly fee	a euro account, a US dollar account
WorldFirstE-money · safeguarded, no FSCS	£0 a month	a euro account, a US dollar account
Zempler BankBank · FSCS cover	Business Go: £0 a month	cash deposits, card payments from customers, invoicing, bank deposit protection

What Barclaycard does well

Before you move, check that you won't lose something you use. Barclaycard suits you if:

You want a business credit card with no annual fee and spend £2,000 or more a month on it
You want 0% on purchases for the first six months (Premium Plus)
You pay in foreign currencies and would pay £150 a year for a 0.99% FX fee
You want to add free cardholders and set spending controls

Many businesses keep their existing account and add a second one for card spending. Our switching guide covers both routes.

When Incard isn't the answer

Incard isn't the right account if

Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries

Our pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Read Incard vs Barclaycard Work out your cashback Check eligibility

Apply for Incard on incard.co

We may earn a commission if you apply.

a month on the Free plan, with team cards: £0
cashback on ads, software and travel; 0.5% on other eligible spend: 1%
IBANs in three currencies: GBP, EUR, USD

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.

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