Zero Interest Business Credit Card (UK 2025)

If you’re looking for ways to manage your company cash flow and finances more effectively, you may be considering applying for a 0 interest business credit card from a UK bank. There are a few different options for interest free business credit cards, including cards which have a 56 day or more grace period on purchases, to give you time to manage your payments conveniently. This guide covers some popular UK interest free cards for different business needs.

Zero interest doesn’t mean zero fee - and having a debit card to use alongside your credit card can help you keep your business costs down for some transaction types. While you’re thinking about your business finances, why not also look at the Wise Business account and card for overseas spending, allowing you to transact in 150+ countries, with the mid-market exchange rate and low, transparent fees every time.

💡 Learn more about Wise Business

What is a 0 interest business credit card?

An interest free business credit card works like a regular business credit card, but will waive the interest cost for a set period. This may be a fixed period every statement, or it may be set up as an opening offer which then expires after you’ve had the card for a while.

How do interest free business credit cards work?

0 APR business credit cards usually have no interest only for a fixed period, and only on purchases. Generally balance transfers and cash withdrawals or cash-like transactions are not covered by the zero interest offer. You’ll need to review the terms of your card carefully before you start to transact to make sure you’re very confident of how the offer works for your business needs.

How can businesses benefit from interest free cards?

A UK business can benefit from zero interest periods on a credit card as it gives a little longer to manage cash flow and ensure you can comfortably manage your repayments. This makes it less likely that you’ll run into interest charges or accidentally end up saddled with penalties if your finances are tight in one particular statement period.

Interest-free business credit cards in the UK

We’ve selected a few interest free business credit cards which have grace periods of 56 days or more, so you can decide which may suit your business needs. These cards have been chosen looking at features including:

• Fees
• Eligibility criteria
• Rewards
• APR after free period
• International spending fees

There’s lots more information about the 0 APR business credit cards we picked coming up - but first a side by side comparison:

*Details correct at time of writing - 31st March 2025

Barclays Premium Plus Credit Card

The Barclays Premium Plus Credit Card¹ has a 6 months interest free period on purchases at the time of writing - although as offers may change from time to time you will need to check the deal before you apply. Cash transactions are not covered. Once you have a card you can get cash back on spending and reduced international transaction fees on some transactions. This card is suited to businesses with an annual or planned turnover of as little as 10,000 GBP which can be attractive.

• Fees: 150 GBP annual fee
• Eligibility criteria: Annual turnover of 10,000 GBP to 6.5 million GBP - final decision is based on your financial circumstances and borrowing history
• Rewards: 0.5% cash back on business spend
• APR after free period: 19.6% p.a.
• International spending fees: 0.99% or 3.99% depending on spend type
• Good for: 6 months interest free on purchases, cash back and complimentary travel insurance

Lloyds Bank Business Credit Card

If you’re already a Lloyds business customer, you can add a Lloyds Bank Business Credit Card² to your account. When you spend with the Lloyds Bank Business Credit Card there’s 1% cash back on fuel and charging, and 0.5% cash back on all other spending. You can avoid paying interest on purchases for up to 56 days but cash advance transactions accrue immediate interest. Cards have a 32 GBP annual fee, but this is waived in your first year and can be waived in subsequent years if you use your card frequently enough.

• Fees: No annual fee in year 1, then 32 GBP per cardholder
• Eligibility criteria: Lloyds Business Current Account holder, and a sole trader, partner or company director
• Rewards: 0.5% - 1% cash back depending on spending type
• APR after free period: 14.9%
• International spending fees: 2.95%
• Good for: Business travellers looking for higher earning on cash back for fuel and vehicle charging

Metrobank Business Credit Card

The Metrobank Business Credit Card³ is available for existing Metrobank business or commercial current account holders. You’ll need to visit a Metrobank store in person to get your card set up, but once you have it there’s no annual fee and no foreign transaction fee in Europe. If you use your Metrobank Business Credit Card outside of Europe there’s a 2.99% fee. There’s no interest free period on cash advances, and ATM charges may apply.

• Fees: No annual fee
• Eligibility criteria: Existing Metrobank business account holders
• Rewards: None specified
• APR after free period: 18.9% p.a
• International spending fees: No foreign transaction fees in Europe, 2.99% elsewhere
• Good for: No annual fee business credit card with 56 days interest free each statement period

Santander Cashback Credit Card

The Santander Cashback Credit Card⁴ offers up to 56 days grace period before interest accrues on purchases - but it’s important to note that there’s no interest free period on cash transactions or balance transfers. The APR you pay for these spending types may also vary from the purchase rate. This card is good for partnerships and simple private limited companies, and offers 1% cash back on spending and up to 4 total cards for the annual fee of 30 GBP.

• Fees: 30 GBP annual fee
• Eligibility criteria: Existing Santander Business account holders, in a partnership, limited liability partnership or private limited company with no more than 2 partners, members or directors
• Rewards: 1% cashback on spending
• APR after free period: 18.9% p.a
• International spending fees: No foreign transaction fees
• Good for: No additional fee for up to 3 employee cards, and no foreign transaction fee

Wise Business cards: international spending made easy

If your business spends internationally, Wise Business debit cards could be the ideal solution for you.

These contactless international debit cards work for spending and cash withdrawals in 150+ countries worldwide, with no foreign transaction fees or subscription fees.

Whenever someone spends or withdraws cash overseas, the currency is converted at the mid-market exchange rate, with just a small conversion fee to pay.

There’s also 0.5% cashback paid on all eligible spending.

Once you have a Wise Business account, you can order unlimited cards for just a one-off fee of £3 a card. You can add employees to your account, with controlled access - and you get full control over spending their limits.

What’s more, it’s easy to integrate Wise with your accounting tools, and your accountant can view team spending for smarter collaboration.

Get started with Wise Business 🚀

There are quite a few interest-free business credit cards in the UK for businesses big and small - and the offers banks have to change from time to time, which may mean alternative cards are made available as well. Use this guide to start your research into the best zero interest business credit card for your company, to make managing your business finances that little bit easier.

Sources used in this article:

Sources last checked March 31, 2025