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- Cashback business credit card
2% cashback on all business spend.
Up to £2,000 back in the first six months, then 1% uncapped on everything after that. A business credit card cashback UK limited companies can earn on, anywhere Visa works, introduced by the same person who fits your card machine.
How the cashback stacks up.
From stock orders to the team’s coffee, the spend you don’t think twice about starts earning. Here’s what a business could earn in its first year.
| Monthly spend | Months 1–62%, capped at £2,000 | Months 7–121%, uncapped | First year |
|---|---|---|---|
| £5,000 | £600 | £300 | £900 |
| £10,000 | £1,200 | £600 | £1,800 |
| £20,000 | £2,000 | £1,200 | £3,200 |
Example only. Cashback is paid on eligible purchases; the 2% rate applies for the first six months or until £2,000 has been earned, whichever comes first.
What you get.
A card that behaves like the personal one in your wallet, built for a limited company.
Spend anywhere Visa is accepted
Online, in store, subscriptions, supplier payments, fuel, travel. Every eligible purchase earns cashback. Cash withdrawals aren’t supported.
Up to 42 days interest free
Pay the statement in full each month and the spend costs nothing. Interest only applies on a balance you carry over: rates from 14.9%, representative 34.9% APR (variable).
Free, unlimited company cards
A card for every person who buys on the business’s behalf, each with its own limit, all on one statement.
No monthly fee, no foreign exchange fees
Nothing to pay for holding the card, and overseas spend costs the same as spend at home.
Spend that syncs to your accounts
Transactions flow to Xero, FreeAgent and Sage, so the month-end reconciliation is done before you start it.
Digital card the day you’re approved
Start spending straight away; the physical card follows in three to five working days.
Who can apply.
- A UK limited companyApplied for by a company director. Sole traders and partnerships aren’t eligible for this card.
- At least one year’s tradingAnd an annual turnover of £30,000 or more.
- Not already a Funding Circle borrowerThe card isn’t currently available to businesses with FlexiPay or a Funding Circle loan. If you want both, we’ll talk through which to take first.
How it works with Atlas.
Atlas is a Funding Circle partner: we introduce, Funding Circle decides and lends, and we may receive a commission.
- 1
Tell us about the business
Turnover, how long you’ve traded, roughly what you spend on card each month. Two minutes.
- 2
Check eligibility in 30 seconds
A soft search that doesn’t touch your credit score.
- 3
Apply in about seven minutes
Funding Circle makes the decision. If approved, the digital card is live straight away.
- 4
Cards in the post, Atlas on the phone
Physical cards in three to five working days. We stay the number you ring.
Cashback card or FlexiPay?
They do different jobs, and you can’t hold both at the moment, so it’s worth choosing deliberately.
| Cashback card | FlexiPay | |
|---|---|---|
| Best for | Everyday spend you already make | Spreading a big cost over months |
| What you earn or pay | 2% then 1% cashback | 0% interest, one flat fee per payment |
| Interest free | Up to 42 days | Always; you pay a fee instead |
| Repay over | Monthly statement | 1, 3, 6, 9 or 12 months |
| Pay suppliers by bank transfer | No | Yes |
Cashback card questions.
Is it really 2% on everything?
2% on eligible purchases for the first six months, until you’ve earned £2,000 in cashback, whichever comes first. After that, 1% on everything, with no cap.
What does the card cost?
No monthly or annual fee and no foreign exchange fees. Interest applies only on a balance you don’t clear: rates from 14.9%, representative 34.9% APR (variable).
Does checking affect my credit score?
No. The eligibility check is a soft search. A full application involves a credit check.
Can I have the card if I have FlexiPay or a loan?
Not at the moment. Funding Circle doesn’t currently offer the card to existing loan or FlexiPay customers.
Can my staff have cards?
Yes, free and unlimited, each with its own spending limit.
What’s Atlas’s part in this?
We’re a Funding Circle partner. We check it’s the right product for you and introduce you. Funding Circle decides, issues the card and holds the agreement. We may receive a commission.
Related.
See if your business qualifies.
Thirty seconds, no effect on your credit score, and we’ll tell you if FlexiPay would suit you better.
Excellent4.5 out of 5TrustpilotImportant information. Atlas Payments (Robles Payments Limited, company number 16864953) introduces customers to Funding Circle Ltd, authorised and regulated by the Financial Conduct Authority. Atlas Payments does not lend and does not make lending decisions. All products are subject to status and a full assessment by Funding Circle; limits, rates and fees depend on your business and the product. Available to UK limited companies and LLPs. We may receive a commission from Funding Circle when a product is taken out.
Cashback business credit card: representative 34.9% APR (variable), rates from 14.9%. 2% cashback on eligible spend for the first six months, up to £2,000, then 1% uncapped. Up to 42 days interest free on purchases when the balance is paid in full. The FlexiPay Business Credit Card is issued by Monavate Ltd. Think carefully before borrowing. Repayments must be affordable for your business.