Capital on Tap is the best company credit card for rewards for cashback or Avios flexibility with low fees, while Amex Business Gold offers top-tier travel rewards and points for businesses with higher spend.
Business rewards credit cards can help companies earn value back on their everyday spending. From travel points and cashback to flexible reward schemes, the right card can make company purchases more efficient while providing useful perks. For small businesses, choosing a rewards card that matches spending habits and employee needs is essential, especially when margins matter.
| Credit Card | Rewards Type | Annual Fee | Representative APR | Key Benefits | Perks |
|---|---|---|---|---|---|
| American Express Business Gold Card | Membership Rewards Points | £0 in Year 1 (£195 after) | Variable, charge card | 1 point per £1, travel perks, 20k bonus points offer | Companion voucher (high spend) |
| Capital on Tap Business Rewards Credit Card | Avios or Cashback | £99 | 29.9% | Earn 1 point per £1, Avios or 1% cashback option | 2-4-1 voucher (more flexible) |
Capital on Tap Business Rewards Credit Card – Cashback
A flexible and easy-to-use card for UK small businesses. Earn 1% cashback or 1 Avios per £1 spent, with no foreign exchange fees and strong integration with accounting platforms. The £99 annual fee is good value for the rewards offered, and limits are generous. Ideal for business owners who want simple, scalable rewards without complexity.
American Express Business Gold Card – Points
A premium rewards card for growing businesses that spend heavily on travel, advertising or supplies. Earn 1 Membership Rewards point per £1, with the option to transfer to airline or hotel partners. The card is a charge card (balance must be paid in full monthly), and the £195 annual fee (waived in year one) is justified by travel perks, insurance, and a 20,000-point welcome bonus. Best for points-focused companies with regular high spending.
What is the best rewards credit card for small business?
The best rewards credit card for most small businesses in the UK is the Capital on Tap Business Rewards Credit Card. It offers a simple and flexible rewards programme where users can choose between earning Avios points or taking 1% cashback on spending. The card has a low annual fee of £99, generous limits, and no foreign exchange fees, making it ideal for businesses with variable or international costs. It also integrates easily with accounting tools like Xero and QuickBooks.
For businesses that prefer travel perks and don’t mind using a charge card, the American Express Business Gold Card is a strong contender. It offers excellent travel-related benefits and the ability to earn Membership Rewards points, which can be transferred to multiple airline and hotel partners. However, it has a higher ongoing fee after the first year.
Which business credit card is best for points?
For points specifically, the American Express Business Gold Card stands out. It offers 1 Membership Rewards point per £1 spent, with double points on selected categories like travel or advertising. These points can be transferred to Avios, Marriott Bonvoy, or other travel partners, giving business owners flexibility in how they redeem rewards. The 20,000-point welcome bonus (if you meet spending criteria) adds strong upfront value.
Who is legally allowed to spend the rewards on company credit cards?
Legally, rewards earned on company credit cards belong to the business, not the individual employee using the card. That means any Avios, points, or cashback technically fall under company ownership and should be used in the business’s best interests. The business owner or finance director typically sets rules for how rewards can be used, and they may require that points go towards business travel, staff incentives, or reinvestment. Using business rewards for personal benefit without approval could be considered misappropriation or a breach of employment or company policy.
In summary, the Capital on Tap card is best for businesses looking for simple, flexible rewards, while Amex Business Gold suits companies that want to maximise travel points. The key is to align your card with your spending patterns—and always keep business rewards for business use.
