Provider profileLast checked 8 November 2026
Barclaycard business credit cards
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.
- Cheapest plan
- Select Cashback: £0 a year
- Available in
- UK
- Your money
- Credit card · no deposits held
What it is
Barclaycard is a trading name of Barclays Bank PLC, authorised by the PRA and regulated by the FCA and the PRA (Financial Services Register number 122702).
How your money is protected
A credit or charge card from a lender: you borrow from Barclays Bank PLC and repay it, and the card doesn't hold your deposits, so FSCS deposit protection doesn't apply to a card balance.
Our e-money vs bank account guide explains what this means if a provider fails.
Who can open one
UK-based business owners and directors, including sole traders, with directors and employees aged 18 or over and business turnover (or a new-business plan) between £10,000 and £6,500,000 a year. You and the business mustn't be bankrupt, existing credit must have been managed well for the last 12 months, and you can't have been declined for a Barclaycard commercial card in the last six months.
Headline fees
| Fee | Detail |
|---|---|
| Annual fee | Select Cashback £0, Select charge card £42, Premium Plus £150 |
| Representative APR (variable), £1,200 limit | Select Cashback 25.5%; Premium Plus 54.3% (18.4% purchase rate, 0% for 6 months from opening); Select charge card 3.6% |
| Cashback | Select Cashback 1%, uncapped, in statement months with £2,000 or more of spend; Premium Plus 0.5%, up to £400 a year |
| Card payments in a foreign currency | 2.99% on Select Cashback and the Select charge card; 0.99% on Premium Plus |
| Cash withdrawals | 3% (minimum £3), plus the non-sterling fee abroad; credit cards charge 31.8% (variable) interest from the day taken |
| Late payment, over-limit or returned payment | £12 |
| Additional cardholders | Free |
| Copy statements | £2 each |
Limits worth knowing
- The minimum credit limit is £1,000.
- Select Cashback pays 1% only in statement months with at least £2,000 of eligible spend.
- Missing a minimum payment or going over your limit ends any promotional rate straight away.
- The Select charge card must be paid in full every month.
How it compares
- Incard vs BarclaycardFees, cashback, foreign currency, protection and eligibility side by side.
- Barclaycard alternativesAccounts to look at if Barclaycard doesn't cover what you need.
Barclaycard against other accounts
See all the accounts we've researched.
Our pick for card spendIncard: 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.
Read Incard vs BarclaycardWork out your cashbackCheck eligibility
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
Check Barclaycard business credit cards's current terms
Fees and eligibility can change. Confirm them on the provider's own site before you apply.
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.