Top business and personal cards to use for bills and supplier payments (UK)

Using the right credit card for business spend can do three useful things at once:

• Hold cash longer (by extending your payment terms)
• Smooth cashflow (especially around payroll, VAT and busy months)
• Earn rewards (cashback or points) on costs you already have to pay

The catch: in B2B, many suppliers still don’t accept card payments (or they do, but add friction, limits, or fees).

That’s where Bluechain helps. All these cards pair perfectly with Bluechain because you can use them for bills and supplier payments that are normally bank transfer only. While your supplier still gets paid by bank transfer.

One more note before the lists: rewards are great, but stability matters more. Some card issuers and bill-payment routes have changed their rules with little notice in the past. If you’re relying on a card as a working capital tool, pick something you expect to be usable consistently.

Best business card options

1) Capital on Tap Business Credit Card (Free / Pro)

• Card type / network: Business credit card (Visa)
• Rewards: Uncapped 1% cashback on spend; option to convert rewards to Avios (conversion rate depends on plan)
• Fees: Free plan £0; Pro is paid annually
• FX fees: No FX fees (per provider)
• Limits: “Practical credit limits” up to £250,000 (eligibility-dependent)
• Best for: Teams that want a straightforward rewards card with strong limits and the option of travel points.
• Things to watch: Like any rewards card, it only works if you stay on top of repayment and don’t let interest erode the value.

2) Funding Circle Cashback Business Credit Card

• Card type / network: Business credit card (Visa)
• Rewards: 2% cashback for the first 6 months (capped), then 1% uncapped
• Fees: No annual fee (per provider)
• Interest-free window: Up to 42 days interest-free (when used as intended)
• Best for: Businesses with consistent monthly spend that want simple, high cashback without complexity.
• Things to watch: Intro cashback is time-limited and capped (so check whether you’ll actually hit the cap).

3) Barclaycard Business Select Cashback

• Card type / network: Business credit card (Mastercard)
• Rewards: 1% cashback on eligible spend (paid monthly, per independent reviews)
• Fees: £0 account fee (per independent reviews)
• Interest-free window: Up to 56 days interest-free (when paid in full and on time, per independent reviews)
• Best for: Owners who want a mainstream, steady cashback card.
• Things to watch: Cashback structure can vary by product/version and eligibility, so confirm the current terms before applying.

4) Allstar Plus Card

• Card type / network: Business credit card + fuel/expenses card (Visa)
• Rewards: Up to 1% cashback (depending on spend)
• Fees: Can include monthly/per-card fees (plan-dependent)
• Interest-free window: Up to 44 days’ interest-free credit (eligibility-dependent)
• Limits: £1k–£100k+ (eligibility-dependent)
• Best for: Construction, trades and field teams where fuel + expenses controls matter, and where higher limits are useful.
• Things to watch: Make sure you understand the fee model (especially anything linked to fuel/usage).

5) Moss Corporate Card (spend controls first)

• Card type / network: Corporate spend card with expense controls (Mastercard)
• Rewards: Cashback is available but typically lower than “pure rewards” cards (often positioned as spend management first)
• Fees: Depends on plan
• Best for: Businesses that care more about controls, approvals, and reconciliation than maximising reward rate.
• Things to watch: If your main goal is cashback/points, you may get more value from a simpler rewards-first card.

Best personal card options (often used by sole traders/directors)

1) Barclaycard Avios (free) / Barclaycard Avios Plus (paid)

• Card type / network: Personal travel rewards card (Mastercard)
• Rewards: Avios earning (paid version positioned as a higher Avios earner; fee-free version lower)
• Fees: Avios Plus has a monthly fee (product terms vary over time)
• Best for: People who want Avios on broad acceptance, and who will actually use the points.
• Things to watch: Points value depends on how you redeem. If you don’t travel much, cashback can be simpler.

2) Santander Edge Credit Card

• Card type / network: Personal cashback card (Mastercard)
• Rewards: 1% cashback on purchases, capped monthly
• Fees: £4/month
• FX fees: No FX fees on purchases abroad (local currency)
• Best for: People who spend enough each month to beat the fee and reliably hit the cashback cap.
• Things to watch: Because cashback is capped and there’s a monthly fee, it’s not automatically “best” for lighter spenders.

3) Lloyds Ultra Credit Card

• Card type / network: Personal cashback card (Visa)
• Rewards: Often highlighted for strong introductory cashback with no annual fee
• Fees: No annual fee (card terms apply)
• Best for: People who want simple cashback and will pay in full every month.
• Things to watch: Intro/ongoing rates can step down over time - always check the current terms before applying.

4) Barclaycard Rewards

• Card type / network: Personal cashback + travel-friendly card (Visa)
• Rewards: 0.25% cashback
• FX fees: No transaction fees on purchases abroad (per provider)
• Best for: People who want a simple “everyday + travel” card with broad acceptance.
• Things to watch: Cashback rate is modest - this is more about simplicity and fee-free overseas use.

5) Virgin Money Everyday Cashback Cards

• Card type / network: Personal cashback cards (Mastercard)
• Rewards: Cashback structure plus boosted offers at selected retailers (via app)
• Fees: Varies by product
• Best for: People who like stacking “base cashback” with retailer-specific boosts.
• Things to watch: Cashback caps/tiers can apply depending on the specific card.

Why these cards work better with Bluechain

Most of the valuable bills in a business still don’t take cards - especially on the B2B side. In practice, we see people using Bluechain to regularly pay things like:

• HMRC
• Commercial rent
• Professional services (accountants, legal, consultants)
• Wholesalers and suppliers
• School fees
• Utilities

The “why” is usually one of three things:

1. Extend payment terms (buy time between paying suppliers and getting paid by customers)
2. Improve cashflow predictability (smooth spikes like VAT, payroll, seasonal stock)
3. Earn more rewards on spend you can’t avoid anyway

Bluechain lets you do that while your supplier is paid by bank transfer - so you can use a rewards card almost anywhere, without asking suppliers to change how they get paid. You can even take advantage of early payment discounts, without eating into your working capital.

How to do it safely (and keep the rewards worth it)

• Pay the card in full wherever possible. Rewards don’t matter if interest wipes them out.
• Match the card to the job:
  • Want the cleanest maths? Choose uncapped cashback.
  • Want travel points? Choose a reliable Avios route (business or personal) that you can actually redeem.
  • Need operational control (teams, vehicles, lots of spenders)? Choose a card that’s built for limits and admin.
• Don’t optimise for a “perfect” reward rate if it’s fragile. For working capital, reliability beats novelty every time.

Disclaimer:

This article is for general information only and does not constitute financial, legal, tax, or accounting advice, nor a recommendation of any card or provider.

Card features, eligibility, reward rates, fees, limits, and terms can change at any time, and rewards may be subject to caps and exclusions. Always check the provider’s latest terms and conditions before applying or using a card.

Using credit may involve fees, interest, and charges. If you don’t repay in full and on time, costs can outweigh any rewards and may affect your credit score.

Bluechain does not control third-party card rules or rewards programmes and cannot guarantee their ongoing availability.

‍

‍