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Card & Current

GuideLast checked 8 November 2026

Business accounts with cards for your team

Giving staff their own cards keeps spending traceable. These accounts list team or employee cards on their own pages.

By the editorial team. How we make money.

Incard suits you if

  • You spend thousands a month on cards, especially on advertising, software or travel
  • You want EUR and USD IBANs alongside GBP
  • You're a UK LLP or sole trader, or a Swiss GmbH, AG or sole trader
  • You're comfortable with safeguarding instead of FSCS cover

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(opens incard.co in a new tab, affiliate link)

We may earn a commission if you apply.

Team cards let each employee pay for what they need without sharing one card number, and let you set limits and see who spent what.

Incard's Free plan includes 15 cards and pays cashback on every eligible payment your team makes, with no monthly fee.

The accounts

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.
AccountCheapest planCard cashbackType and protection
IncardOur pick for card spendFree: £0 a monthFree: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. UncappedE-money · safeguarded, no FSCS
AirwallexCompare with IncardExplore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)Not listedE-money · safeguarded, no FSCS
Allica BankCompare with Incard£0 a month with an average balance of £10,000 or more; otherwise £25 a month1%, rising to 1.5% after £10,000 of card spend in a monthBank · FSCS cover
AmexCompare with IncardBusiness Gold: £195 a year (£0 in the first year)Gold and Platinum: 1 Membership Rewards point per £1, 2 on American Express Travel; British Airways Accelerating: 1.25 Avios per £1Credit card · no deposits held
BarclaycardCompare with IncardSelect Cashback: £0 a yearSelect Cashback 1% uncapped in months with £2,000+ spend; Premium Plus 0.5%, up to £400 a yearCredit card · no deposits held
Capital on TapCompare with IncardFree: £0 a year1% on all card spend as points on Free and Pro; Pro earns 1.25% on preloaded spendCredit card · no deposits held
Equals MoneyCompare with IncardBusiness: £25 a month (£250 a year)Not listedE-money · safeguarded, no FSCS
HSBCCompare with Incard£0 a monthNot listedBank · FSCS cover
Migros BankCompare with IncardCHF 3 a monthBusiness Card has a turnover bonus programme; rate not listedBank · esisuisse cover
Monzo BusinessCompare with IncardLite: freeNot listedBank · FSCS cover
PayhawkCompare with IncardGrowth program: £149 a monthNot listedE-money · safeguarded, no FSCS
PleoCompare with IncardStart: £8 per user a monthOn Optimise, for eligible customers; rate not listedE-money · safeguarded, no FSCS
Revolut BusinessCompare with IncardBasic: £10 a monthNone listed for Revolut Business; up to 1% on Revolut Pro for sole tradersBank · FSCS cover
SoldoCompare with IncardStandard: £27 a month + VATNot listedE-money · safeguarded, no FSCS
WorldFirstCompare with Incard£0 a monthUp to 1.2% on eligible World Card spend, uncappedE-money · safeguarded, no FSCS
yapealCompare with IncardFree: CHF 0 a monthOn Grow and Business, depending on transaction volume; rate not listedE-money · safeguarded, no FSCS
Zempler BankCompare with IncardBusiness Go: £0 a monthUp to 0.5% on Extra, up to 1% on Pro, tiered by monthly spend, max £1,000 a monthBank · FSCS cover

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
IncardOur 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 cashbackCheck eligibility

Apply for Incard on incard.co(opens incard.co in a new tab, affiliate link)

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.

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