Business Credit Card
One simple rate with no annual fee
Effectively manage your business’s spending with our contactless Business Credit Card
One simple rate and no annual fees
All our cards come in at the one low rate of 18.9% APR, and we won’t charge you for having your credit card
Walk out of a store with a working card
Whether you’ve just opened your credit card account, or have misplaced your card, you can walk out of any of our stores with a new one ready to go
Free transactions in Europe*
We won’t charge you any fees for using our credit card in most European countries. Find out more
An award-winning Business Credit Card
No need to just take our word for it – our Credit Card for business customers comes with more than one seal of approval. Take a look here.
Applying for a Business Credit Card
Applying for a Business Credit Card
Eligibility
You’ll need a Business Current Account or Commercial Current Account with us to apply for our Business Credit Card. If you already have one of these accounts, come into a store and your Local Business Manager will be able to help you.
Fees and interest charges
Fees and interest charges
| Annual fee | Loan rate | Interest-free period |
|---|---|---|
| Zero | 14.9% APR Representative (Variable) |
Up to 56 days on purchases |
APR stands for annual percentage rate. It’s intended to give you a more accurate idea of how much you are being charged when you borrow money. It takes into account the interest on the loan and other charges you have to pay.
Using your card abroad
We don’t charge fees for non-sterling transactions or purchases in many European countries. If you’re outside of Europe, our rates offer the best value possible. Account fees and charges will still apply, though.
| Location | Card Purchase | Cash Withdrawal |
|---|---|---|
| In Europe* | FREE | FREE |
| Outside Europe* | 2.99% | 2.99% + £1.50 |
*Where can I use my card for free in Europe?
Show which countries you can use your card in for free Hide which countries you can use your card in for free
When we refer to Europe, we mean the countries which are part of the Single European Payments Area (SEPA).
- 19 EU Euro countries - Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain
- 8 EU non-Euro countries - Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden
- 3 non-EU, Euro countries – Andorra, Monaco, San Marino
- 4 non-EU, non-Euro countries - Iceland, Liechtenstein, Norway, Switzerland
All territories are included by their associated owning country.
If you use your card abroad, any foreign currency transaction will be converted into sterling on the day it’s taken out of your account. The exchange rate is set by MasterCard®.
MasterCard® is a registered trademark of MasterCard International Incorporated.
Interest on our Business Credit Card
Our cards have a simple, low interest rate of 14.9% APR Representative (Variable).
If you only make the minimum monthly payment, it will take longer and cost you more to clear your balance.
Additional information
Additional information
Bank the way you want
We believe in letting you decide how you want to bank with us – whether that’s online, in store, over the phone or on the move with our app.
Setting up your online banking and mobile app
Manage your Business Credit Card and make payments easily using our mobile banking app or online banking platforms.
Get all the details on our Business Credit Card
Download our PDF to read when you like - it contains all the ins and outs of our Business Credit Card.
Business Credit Card Important Information Summary (IIS)(PDF)(268KB)
Business Credit Card Other Terms – Non CCA Regulated (PDF)(1.4MB)
Business Credit Card Other Terms - CCA Regulated (PDF)(1.4MB)
Our Service Relationship with Business Customers (PDF) (1.1MB)
*Where can I use my card for free in Europe?
When we refer to Europe, we mean the countries which are part of the Single European Payments Area (SEPA).
- 19 EU Euro countries - Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain
- 8 EU non-Euro countries - Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden
- 3 non-EU, Euro countries – Andorra, Monaco, San Marino
- 4 non-EU, non-Euro countries - Iceland, Liechtenstein, Norway, Switzerland
All territories are included by their associated owning country.
If you use your card abroad, any foreign currency transaction will be converted into sterling on the day it’s taken out of your account. The exchange rate is set by MasterCard®.
MasterCard® is a registered trademark of MasterCard International Incorporated.
FAQs
Can you transfer balances from other cards to the Metro Bank Credit Card?
Yes. You can transfer up to 75% of the limit of your Metro Bank Credit Card.
How will I see my Credit Card statements?
We’ll email you each month to let you know when your statement is available online and paper versions are available when you need them.
Can the Metro Bank Business Credit Card be used for contactless payments?
Yes – for payments up to £100 in total. The Metro Bank MasterCard® cards come with the PayPass™ feature. This means they contain secure contactless technology that lets you pay without the need to enter your PIN. To start using it straight away you’ll need to make one Chip and PIN transaction. Then you can make contactless payments wherever you see the contactless symbol or MasterCard® PayPass™ logo on the High Street at the till.
Your ways to bank
Online
Metro Bank 24/7. Check balances, make payments, change your details and open new accounts any time - all with Online Banking.
Mobile
Control your money on the move with our mobile banking app. Check balances, move money, make payments and more wherever you are.
In-store
A friendly face and a quick answer - and all the usual payment services too.
By phone
Talk to a real person in our UK contact centre. Click the button below to check when we're available.
Some more things you may like...
Banking with us
Business Banking
Start-up or growing business? Take your company to the next level with speedy account opening and Local Business Managers in every store.
Borrowing with us
Growing your business
Choose the right finance option to nurture and expand your business.
Borrowing from us
Business overdrafts
Get help when you need it most, with a fixed rate for arranged overdrafts of less than £25,000 and no hidden fees.
Accounts
Business Loans
With loan terms from 1 to 5 years, you can choose the loan that’s right for your business. And for loans under £25,000 there’s a fixed rate and no arrangement fee.