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Know where you stand with one simple rate

Business Credit Card

Manage your business' spending more efficiently with a credit card that's exclusively for Business Account customers. Whether you want to smooth your cash flow or keep a track of expenses, our Business Credit Card can help you stay on top of your business' finances.

Keep it simple

Get one low rate of 13% APR Representative (Variable).

No annual fee

We don’t charge you an annual fee for having our Business Credit Card.

Free European transactions*

Save on those business expenses with no card transaction fees in European countries.

Cards printed in store

Drop into a store and we’ll print your card while you wait. Need more than one card for your business? No problem.

What you need to know

We’re up front with our customers about everything. We’ve created this handy summary of our Business Credit Card's key features so you can see the important information from the get-go.

Annual feeLoan rateInterest-free period
Zero 13% 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.


You’ll need a Metro Bank Business Current Account to apply for our Credit Card. If you already have one, come into a store where your Local Business Manager can help take this forward for you.

Find your local store

Find out what you need to open a Business Current Account

Interest on our Business Credit Card

Our cards have a simple, low interest rate of 13% APR Representative (Variable).

If you only make the minimum monthly payment, it will take longer and cost you more to clear your balance.

Using your Business Credit Card abroad

We won’t charge you for international credit card transactions made in most European countries. And we offer outstanding value rates in the rest of the world.

LocationCard PurchaseCash Withdrawal
In Europe* FREE FREE
Outside Europe* 2.75% 2.75% + £1.50

*Where can I use my card for free in Europe? 

If you use your card abroad, any foreign currency transaction will be converted into sterling on the day it’s paid out of your account. The exchange rate is set by MasterCard®.

MasterCard® is a registered trademark of MasterCard International Incorporated. 

Internet Banking

Pay your Business Credit Card from your Business Current Account using internet banking. 

Get balance alerts and mini-statements by email or text.

Get started with Internet Banking

Mobile Banking

You can check your balance, make payments and manage all your Business Account cards, including your Credit Card, using the Metro Bank Mobile Banking UK App.

Get started with Mobile Banking

Get all the details to read at your leisure

Download our PDF to read when you like - it contains all the ins and outs of our Business Credit Card.

Business Credit Card Details (PDF)(907KB)

Our Service Relationship with Business Customers (PDF)(1.1MB)


Open an account

Open an account online

Come and see us in store

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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, see transactions and open new accounts any time - all with internet 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. We're open 362 days a year.


If you need help you can talk to a real person in our UK contact centre 24 hours a day, 7 days a week, 365 days a year.

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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.


Growing your business

Choose the right finance option to nurture and expand your business by reading our helpful guide to borrowing wisely.


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.


Protecting your money

Your eligible deposits with Metro Bank are protected by the FSCS.