MBNA offers a range of the best business credit cards for UK small businesses, designed to help you unlock your business finances and provide you with a flexible way to manage your daily business expenditure. A business or company credit card is ideal if you’re a small business and want to:

• Improve cash flow and your business finances — our business credit card deals offer a range of interest free periods on business purchases ^a
• Manage outstanding balances more effectively with a range of interest free periods on balance transfers from other credit cards or overdrafts ^b
• Benefit from no annual fees — available on many of our business credit cards
• Manage multiple cards but just one account — you decide how many credit cards you need
• Control day-to-day expenditure by setting up individual credit limits by cardholder
• Track credit card business expenses online with individual monthly cardholder statements
• Travel and use your business credit card for expenses with a secure alternative to petty cash advances
• Manage statements and transactions online with Business Online Banking
• Separate your credit card business and personal spend
• Benefit from free purchase protection insurance — covers most of the items you purchase on your business credit card against accidental damage, theft and robbery^e
• Benefit from free employee misuse insurance — covers business purchases by an employee that are fraudulent or have not been authorised. ^e

Find out which business credit card you are best suited for by using our business credit card comparison table.

With prudent use, small business credit cards can provide many advantages to help keep your business finances in check, including:

• Improve business cash flow when you need it — our business credit card deals include up to 57 days interest free on business purchases when you pay your statement balance in full and on time every month
• Separate your business and personal expenses and avoid potential tax and money management problems
• Easy book keeping — all your transactions for the last 13 months are itemised in your business Online Banking account allowing you to keep a day-by-day record of expenditure
• Build business credit — allows a relatively new business to build up a credit history for future growth and loan requirements
• Manage employee spending — provide business credit cards for your employees with preset credit limits and track their transactions online

For these features and more compare business credit cards and apply online for a business credit card.

Yes, some of our business credit cards offer a 0% introductory rate on balance transfers. This allows you to transfer existing debt to the credit card from another credit card or loan and take advantage of an interest free period. A handling fee will be charged for balance transfers. If you pay another loan off, your loan provider may charge you a fee.

Yes, MBNA is one of the few small business credit card providers to offer the convenient service of transferring funds from the credit card directly into your business account — ideal if you want a cash flow boost. However, like balance transfers, a handling fee will be charged.

Are you looking for a credit card for business purposes? Whether it’s a small business credit card or a corporate credit card, all our business credit cards offer the same great features and benefits, including:

• Secure Online Banking — check your balance and transactions, control day-to-day expenditure by setting up individual credit limits by cardholder, track business credit card expenses online with individual monthly cardholder statements, carry out balance transfers and much more
• Zero fraud liability — you will not be liable for fraudulent transactions online or on supplier purchases, providing you tell us as soon as you notice any unusual transactions or cannot find your credit card
• Free UK-based business credit card helpline — wherever you are worldwide, whenever you need them, our business credit card advisors can offer advice for business on your credit card services
• Global acceptance — you can be sure that when you travel you’ll have a currency that’s globally accepted. Our business credit cards all carry the Visa symbol which is widely accepted at over 1 million ATM’s across the globe

Once you apply for a business credit card, your credit limit will be determined by MBNA. It will be individual to your business and will depend on the credit history of your business.

Yes, you decide how many business card holders you require. You can also set their individual credit limits and monitor expenditure and transactions on a day-to-day basis through one online business account.

To make an application for a business credit card, simply apply online. The application should take about 5—10 minutes to complete. All the details you enter are fully secure using the latest encryption technology.

You will need the following information to apply for an online business credit card:

• Legal/Registered trading name
• Address, telephone and email
• Type of business e.g. Ltd or sole trader
• Registered number
• Names of business partners
• Number of years in business
• Business bank account details
• Details of business finances including sales turnover and net profit
• Details of current borrowings e.g. mortgage, overdraft, bank loans
• Details of other credit cards
• Personal details about you including name, address

In these hard times, getting credit for business can prove difficult. Improve your cash flow when you need it — up to 57 days interest free on card purchases^†. And, if you use your card to make purchases, not only will you benefit from an interest rate of 0% for the first 3 months but you’ll also get up to 57 days interest free before you need make any payment. Combine this with typical supplier payment terms and, depending on your payment due date, you could get up to 101 days interest free on your purchases.

Credit cards for business help to ensure your bookkeeping is kept on track. You can manage your business credit card account online easily and benefit from great features, including:

• 24/7 secure online account management
• Transfer existing balances from other credit cards and overdrafts to your MBNA Business Credit Card and enjoy an initial interest free period ^b
• Manage multiple credit cards for employees via just one account, allowing you to control day-to-day credit card business expenditure and set up individual credit limits by cardholder
• Keep a complete record of credit card business expenditure with itemised transactions and monthly statements, simply by using your online MBNA Business Credit Card account
• Track expenses online with individual monthly cardholder statements. Each month we’ll send you a detailed statement showing everything that’s been spent and who’s been doing the spending

With an MBNA Business Credit Card you can manage multiple cards with just one account. You simply decide how many credit cards you need and we’ll do the rest. You can even set credit limits by cardholder — ideal if you want to monitor individual expenses by business department.

Keeping your financial and personal information secure is our highest priority. We use the most sophisticated levels of technology and processes to protect your privacy and security and prevent fraudulent transactions on your business credit card. These include:

• Secure application forms — we use encryption technology to transmit your personal information to us securely
• Card security features — all our cards use a Chip and PIN system and Verified by Visa technology
• Secure online account management
• Zero Fraud Liability — if your MBNA Business Credit Card is used without your knowledge or consent, you will not be liable for fraudulent use if you contact us immediately if you think your card has been lost or stolen or if you notice any unusual transactions on your account
• 'Real Time' fraud detection system — we operate a fraud detection system which monitors your account for unusual or suspicious spending patterns, 24 hours a day, 7 days a week

We've included the following free benefits to help protect your business:

• Purchase Protection Insurance — covers most of the items you purchase on your MBNA Credit Card against accidental damage, theft and robbery^e
• Employee Misuse Protection — covers business purchases by an employee that are fraudulent or have not been authorised.^e

As in all businesses, looking after your customers is top priority. That’s why we make sure there is someone on hand to discuss any questions you may have.