AIB offers a small, straightforward business credit card range for companies with employees who incur business expenses. You can choose simplicity, with a straightforward charge card or perks, with a premium card offering benefits such as breakdown cover and travel benefits through the Visa Luxury Hotel Collection.
Here’s an overview of what you can get if you apply for an AIB business card:
With a charge card, you’re expected to clear your balance in full every month. As such, these cards don’t charge interest, although there are usually harsh fees if you fail to clear your balance. The benefits of charge cards include flexibility over payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and in some cases, rewards on your spending. However, charge cards can come with a monthly or annual fee attached and do not usually offer purchase protection under section 75 of the Consumer Credit Act.
While charge cards are fairly rare in the consumer space, they’re more prevalent in business banking.
There’s no single right credit card for every company. Before making a financial choice of any kind you should really think about your business’s needs and expectations.
The cards in AIB’s business range are designed to suit different needs, so chances are you’ll be able to identify which works best for you by looking at the spending habits of the employees who’ll be using them.
For example, if the person who’s going to use the card doesn’t need to travel much for business, the costs of a more premium option might not be worth shouldering, and they’re probably fine with a more basic option.
AIB won the business credit cards category of the Finder Customer Satisfaction Awards 2024. In our survey, 97% said they’d recommend the brand to a friend, and many cited reliable customer service.
One commented:”Great account management and excellent customer service.”
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We partnered with the research consultancy Censuswide to ask customers of major business card providers in the UK about their experiences.
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