Think of the interest-free period as a free, 30- to 55-day loan for your working capital. By timing major supplier payments to the start of your statement cycle, you can keep your cash in your own bank account for an extra month, providing a critical buffer for payroll or unexpected costs.

A business credit card separates your finances, which is critical for accurate accounting and simplifying tax time. It also helps build a credit history for your business entity, which is vital for securing larger funding in the future, and offers business-specific perks and higher credit limits.

No. Our initial matching process is a soft enquiry that does not affect your business credit score. A hard credit check is only performed by the provider when you choose to proceed with a formal application for one of their credit cards.

Yes. Paying your tax obligations with a business credit card is a common strategy to manage cash flow. However, be aware that earn rates on government transactions are often lower, so it's important to choose a card that still offers good value for these payments.

Most providers allow you to issue additional cards to staff with preset spending limits you can adjust instantly. This eliminates reimbursement paperwork, reduces the risk of uncontrolled spending, and gives you a real-time view of all company expenditure.

Our credibility comes from our business model. We are paid by the lender only after your card is approved. This means our success is directly tied to finding you a suitable product that you get approved for.

A director's guarantee, or personal guarantee, is a standard requirement for many business credit cards, especially for new businesses. It means you are personally liable for the debt if the business cannot pay. It is typically unsecured, meaning no specific asset like your house is pledged as collateral.

Yes, while a trading history of 6-12 months is standard, some specialist lenders will consider applications from newer businesses with a solid business plan and strong revenue projections.

The main fees include the annual fee, interest on any unpaid balance (the purchase rate), late payment fees, and sometimes foreign transaction fees for overseas purchases.

Yes, no-annual-fee cards are available. They are a cost-effective tool for separating expenses and managing cash flow, though they typically offer fewer rewards and have lower credit limits.

If you expect to carry a balance, a card with a low interest rate is your priority to minimise costs. If you pay your balance in full each month and have high business expenses, a high-rewards card will deliver more net value, as the benefits will outweigh the annual fee.

It provides a revolving line of credit. The interest-free period of up to 55 days acts as a short-term, interest-free loan, giving you a crucial buffer for your working capital between paying suppliers and receiving payment from customers.

1. Review your credit score before applying.
2. Compare the annual fee against the real dollar value of the benefits.
3. Look for valuable sign-up bonus point offers.
4. Match the card type (low rate vs. high rewards) to your spending habits.
5. Use a specialist service to compare 80+ lenders at once.