GuideLast checked 8 November 2026

Business accounts for content creators

Creators who trade as a sole trader or limited company spend on editing tools, stock media and promotion. Incard pays cashback on those brands, and accepts registered sole traders.

By the editorial team. How we make money.

Why we pick Incard for content creators

CapCut, Canva, Adobe, Freepik, Shutterstock, Apple (including iTunes): 1% back on the £0 Free plan
Meta Ads, TikTok Ads: 1% back on the £0 Free plan
Uncapped cashback, team cards and GBP, EUR and USD IBANs, also on Free

cashback a year on Incard's Free plan from the example spend below. Simple arithmetic, not a forecast.

£180

Apply for Incard on incard.co

We may earn a commission if you apply.

A creator business usually pays for editing and design software, stock footage and images, and boosted posts or ads to grow an audience.

CapCut, Canva, Adobe, Freepik, Shutterstock and Apple are on Incard's eligible software list, and Meta Ads and TikTok Ads are on its advertising list.

Incard accepts UK and Swiss sole traders and freelancers who are registered with their local authority, as well as limited companies. Adult content is on its restricted list.

Brands that earn cashback

**Table notes:** correct as of 8 November 2026, from Incard's Rewards Policy and pricing page. Plus rates are set per business. Only card payments where the merchant name matches the brand count.
Brand	Category	Free	Grow	Plus
CapCut	Recurring software	1%	1.25%	from 1.5%
Canva	Recurring software	1%	1.25%	from 1.5%
Adobe	Recurring software	1%	1.25%	from 1.5%
Freepik	Recurring software	1%	1.25%	from 1.5%
Shutterstock	Recurring software	1%	1.25%	from 1.5%
Apple (including iTunes)	Recurring software	1%	1.25%	from 1.5%
Meta Ads	Advertising	1%	1.25%	from 1.5%
TikTok Ads	Advertising	1%	1.25%	from 1.5%

A worked example

A month of eligible card spend of £1,000 advertising, £200 recurring software, £300 travel:

**Table notes:** simple arithmetic at Incard's published rates, not a forecast. Plus uses its 1.5% floor; yearly billing on Grow and Plus costs less.
Plan	Monthly fee	Cashback a month	Cashback less fee
Free	£0	£15	£15
Grow	£49	£19	-£30
Plus	from £199	£23	-£176

Try your own figures in the cashback calculator.

Check these before you apply

Incard doesn't accept businesses in these industries, which are on its restricted list:

Sexual or adult services and products

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

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

More: all guides, comparisons, how Incard cashback works.

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.