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One simple rate with no annual fee

Business credit card

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 14.9% 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

You’ll have free transactions in most European countries

Talk to us about a business credit card now

Come see us in store – we’re open 7 days a week, no appointments needed.

If you’re a commercial customer, speak to your Relationship Manager or Local Director. Their details will be listed alongside your local store

Applying for a Business Credit Card

Applying for a Business Credit Card


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.

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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
(when you pay your balance in full and on time)

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.

Ways to bank

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.

Online banking

Business Mobile Banking app

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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 £30 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


Metro Bank 24/7. Check balances, make payments, change your details and open new accounts any time - all with Online Banking.


Control your money on the move with our mobile banking app. Check balances, move money, make payments and more wherever you are.


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. We’ve temporarily changed our opening hours – click the button below to check when we're available.

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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.


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.