NatWest offers a select range of credit cards for existing business customers. You can choose a more basic card or, for a higher fee, a card with additional features and appealing rewards.
In this guide, we’ll compare NatWest’s business credit cards to help you pick the best option to keep control of your business’s cash flow.
Compare NatWest business credit cards
Table: sorted by representative APR, promoted deals first
NatWest business credit cards features and benefits
While features, costs and benefits will vary depending on which card you choose, the following points apply to all of NatWest’s business credit cards:
Interest-free credit. If you pay your balance in full each month, you won’t incur interest on your purchases. For companies with fluctuating cash flows, this can offer stability and boost spending power.
Tailored credit limits. While NatWest states a minimum credit limit of £500, the credit limit you’re offered will depend on factors like your company credit report, your turnover and how long you’ve been trading.
Flexible monthly repayments. You’ll be required to pay a minimum amount each month. Don’t forget that if you only pay the minimum amount, you’ll incur interest on your purchases from the day on which they were made, and it’ll take you longer to clear your balance.
Annual fees. Like most business credit cards, NatWest’s business credit cards come with annual fees attached, which are calculated based on the number of cardholders. This may be waived in the first year if you meet certain criteria. It will also be waived every additional year that you spend at least £6,000.
Track spending in real time. With NatWest’s free management tools, including its mobile app and custom reports, you can monitor and analyse spending in real time or access historical information. You’ll be able to view up to 13 months of transactions online.
You must be an existing NatWest business customer in order to apply.
Natwest customer reviews
In our 2024 customer satisfaction survey, 92% of NatWest business card customers said they would recommend it to a friend. Several customers cited impressive customer service and said they were satisfied with any fees. One customer noted that NatWest “provides everything we need for our business to grow”.
On the other hand, the bank as a whole received a score of 1.6 out of 5 on Trustpilot, with several customers commenting on how difficult it was to apply for a business account, as well as highlighting long waiting times to process requests.
How to compare NatWest business credit cards
Here are some of the key factors to consider when weighing up which NatWest business credit card is best for your needs:
Interest rate. If you’re likely to carry a balance from month-to-month, then the interest rate is going to be a primary focus.
Fees. Business credit cards usually come with an annual or monthly fee, and these are usually linked to the number of cardholders. Try to quantify the benefits you’ll get from the card to see if the account fee is worth shouldering. Other factors to consider include foreign transaction fees and balance transfer fees.
Perks. If you’re going to be spending a fair bit on your business credit card, you might as well see if you can earn some rewards along the way. The more premium NatWest cards come with the opportunity to earn cashback on all your spending.
Eligibility. Don’t waste your time looking into a card where your company doesn’t meet the minimum eligibility requirements.
So, it’s ultimately all about knowing your business and planning your expenses. The perks are often the flip side of the fees, so ask yourself the following qustion: will my business benefit enough to make the extra cost of a premium option worth it?
The best way to answer this is to think about your business’s needs and spending habits first. What’s your turnover? How much are you planning on spending with the card every year? What for? You might want to start by looking at last year’s accounts and considering how things are likely to change over the coming year.
If you’re thinking about getting a business credit card and aren’t sure which one to pick, take a look at our business credit card comparison page.
Frequently asked questions
Only UK-registered businesses that already hold a NatWest current account can apply. NatWest offers credit card options to sole traders, limited companies, limited liability partnerships, partnerships, charities, clubs and societies, so there is a good chance that your business will be part of one of the categories that can apply.
Yes, you can, but don’t forget that interest-free periods only apply to purchases, so cash withdrawals will end up being quite pricey.
Yes, you can. If you hold a NatWest startup current account and you apply for a basic NatWest business credit card, you’ll get the first year for free.
Finder business card ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Valentina Cipriani was a writer at Finder UK. She wrote news, features and guides about banking and credit cards, helping people to improve their financial lives. She holds an MA in International Journalism. See full bio
The Natwest Business Credit Card offers a competitive ongoing (albeit variable) rate and a free app to monitor and control your business cash flow in real time.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
