The MBNA Business Cash Back Credit Card helps you organise your time more efficiently. You can see all your accounts at a glance and keep track of expenditure in one place. Plus 0.5% cashback on all card purchases** and double cashback on fuel purchases
MBNA have the perfect selection of cards for your business, even if you're a sole trader. It's a great way of having your expenditure accounts in one place and you can even earn useful rewards and cashback on some cards.
We understand the business needs of sole traders and small companies better than anyone else, which is why our business credit card will meet all of your requirements.Our credit card is as flexible as you need it to be and it's just as useful for purchasing printers as it is for buying coffee cups. It'll allow you to monitor cash flow and itemise individual spending while also providing you with a better alternative to cheques and petty cash.
It really is the easy way to be in total control of your expenditure.
The MBNA Business Credit Card helps you organise your time more efficiently. You can see all your accounts at a glance and keep track of expenditure in one place. It takes away the hassle of paperwork and administration; giving you time to do the things that matter. Whether that’s free time away from the office or concentrating on new ways to grow your business.
0% p.a. on balance transfers and credit card cheques for 12 months from the date your account is opened
(3% handling fee applies)
0% p.a. when transferring cash into your current account for 12 months from the date your account is opened
(3% handling fee applies)
0% p.a. on card purchases for 3 months from the date your account is opened◊
Standard annual rate of 15.9% APR (variable) thereafter
One account, multiple cards
You decide how many cards you need and what credit limit each person should have.
Dedicated service team
A dedicated MBNA Business Customer Service Team - talk to a real person who knows the day-to-day needs of the business customer.
Insurance
Free Purchase Protection Insurance* plus Employee Misuse Insurance*
Interest free
Up to 57 days interest free on card purchases when you pay your statement balance in full, and on time, every month.
Discounts
Benefit from specially negotiated discounts - designed for the needs of your business.
Card Security
MBNA goes further to protect both you and your credit card with MBNA Secure.
Online Account Management
FREE online account management - view your balance, credit limits for each cardholder and your last 13 months' transaction history online, all from the comfort of your office or home.
How to Choose a Credit Card for Your Business
Credit-card issuers and banks have been expanding their offerings for small businesses. It is often much easier and faster for start-ups to open a credit-card account than to secure a line of credit from a bank. And a credit-card account is also a good way to establish credit in a business’s name.
With dozens of choices, keep several issues in mind. First, what are your spending habits? Do you plan to pay charges each month, or pay them off over time? If you are carrying a balance, pay attention to the annual percentage rate. If you carry a balance, and have good credit, some card issuers may offer you a low interest rate or even a teaser rate as low as 0% for the first year. Some have fixed rates, which could be attractive when rates are rising.
If you pay in full each month, cards with longer grace periods or more generous rewards may be more appropriate.
A related note: Charge cards may be useful to a small business that needs the use of credit for a short time period. The charge card forces the holder to have the financial discipline to pay the full balance amount, usually within 30 days, or penalties apply. Credit cards, on the other hand, provide maximum flexibility for small-business owners. However, that flexibility can be costly if you don’t pay off your balance in full and you pay interest on it.
Many credit-card issuers offer rewards programs. A company that does a lot of travel may want airline-mile rewards. But review the list of exclusions since some programs are so restrictive that you may not be able to benefit from them. If travel isn’t a major factor, consider cards that offer cash back. Many give 1% to 5% back–but pay attention to the fine print. Higher payments may apply to only certain types of purchases, such as business supplies or gasoline. Look for other perks as well. Some cards provide benefits just for using the card, such as discounts at certain retailers, restaurants or services, access to airport lounges and hotel upgrades.
Some cards that charge annual fees may make sense if a particular benefit is worth more to you than the amount of the fee. Another reason to not mind an annual fee is a longer grace period. Some cards with annual fees may offer up to 30 days to pay off without any charges, compared to 20 days on other cards. But if you carry a balance, you might want to get a lower rate versus a card that has no annual fee but has a higher rate.
Visit an online credit-card comparison site to sort through the array of offerings. uk-Credit-Card-Centre.co.uk allows visitors to search for cards with sorting tools and apply directly online.
Be aware of what happens if you can’t pay the bill in full each month or make a late payment. Some issuers will take away any rewards earned, in addition to assessing penalties and fees. Don’t ignore the ramifications of not paying on time. You could face steep charges, a higher interest rate–often approaching 30%–and even put your own personal credit score in jeopardy.
The MBNA Business Cash Back Credit Cardhelps you organise your time more efficiently. You can see all your accounts at a glance and keep track of expenditure in one place. It takes away the hassle of paperwork and administration; giving you time to do the things that matter. Whether that’s free time away from the office or concentrating on new ways to grow your business.
Card Benefits:
0% p.a. on balance transfers and credit card cheques for 9 months from the date your account is opened. 3% handling fee applies)
0% p.a. when transferring cash into your current account for 9 months from the date your account is opened. 3% handling fee applies)
0% p.a. on card purchases for 3 months from the date your account is opened.
Standard annual rate of 17.9% p.a. (variable) thereafter, and a yearly membership fee of just £29.
0.5% cashback on all card purchases** plus double cashback on fuel purchases.
The MBNA bmi Business Credit Card helps you organise your time more efficiently. You can see all your accounts at a glance and keep track of expenditure in one place. It takes away the hassle of paperwork and administration; giving you time to do the things that matter. Whether that’s free time away from the office or concentrating on new ways to grow your business.
0% p.a. on balance transfers and credit card cheques for 12 months from the date your account is opened
(3% handling fee applies)
0% p.a. when transferring cash into your current account for 12 months from the date your account is opened
(3% handling fee applies)
0% p.a. on card purchases for 3 months from the date your account is opened◊
Standard annual rate of 17.9% p.a. (variable) thereafter, and a yearly membership fee of just £69
20,000 free bmi destinations miles† with your first card purchases - enough for a reurn bmi flight to Milan, Venice, Madrid, Amsterdam, Nice or many more European destinations
Receive 1 bmi destinations mile** every time you or an additional cardholder spends £1 on card purchases
FREE Worldwide Annual Travel Insurance*.
If you've been running your own business for more than 2 years Apply Now.
