Earn 2% CashbackOn Your Business Spending
Up to £2,000 cashback in your first 6 months, then 1% uncapped — forever. No annual fee. No FX fees.
Check your eligibility
Search your company — no impact on credit score.
FCA authorised credit broker. Free to apply.
Up to £2,000 cashback in your first 6 months, then 1% uncapped. No annual fee. No FX fees.
Check your eligibility
Search your company — no impact on credit score.
FCA authorised credit broker. Free to apply.
FCA authorised. Free to apply. No upfront fees. No obligation service.
A credit card that pays you back
Real cashback on every pound you spend — with none of the fees that eat into it.
2% cashback
On all spend for the first 6 months, up to £2,000.
1% uncapped
Keep earning cashback on every purchase, forever.
No fees
No annual fee, no monthly fee, no FX fees.
Up to 42 days
Interest-free credit on every purchase.
Rates from 14.9%
Competitive variable APR. Representative 34.9% APR.
How much could you earn?
During the 2% introductory period, here's what your monthly cashback could look like.
Monthly spend
£5,000
You earn
£100
Monthly cashback (first 6 months)
Monthly spend
£15,000
You earn
£300
Monthly cashback (first 6 months)
Monthly spend
£50,000
You earn
£1,000
Monthly cashback (first 6 months)
Illustrative only. 2% cashback applies for the first 6 months or up to £2,000, whichever comes first. 1% uncapped cashback applies thereafter.
From application to cashback in days
A quick, fully online process — handled with our credit card partner.
Quick eligibility check
Answer a few questions in under 3 minutes.
Instant decision
See your indicative credit limit with no impact on your credit score.
Card in 10 working days
Your physical card is dispatched on approval.
Earn from day one
Activate, spend, and start collecting cashback.
Check your credit limit for free
See your indicative limit in under 2 minutes. No impact on your credit score.
Spend it on what your business actually needs
Use your card online, in-store and abroad — anywhere Visa is accepted. With a credit limit of up to £250,000, it scales with your business.
- Stock, inventory & materials
- Fuel, travel & accommodation
- Software subscriptions & SaaS
- Marketing & advertising spend
- Office supplies & equipment
- International suppliers (no FX fees)
Syncs with your accounting software
Connect securely to Xero, Sage or FreeAgent. Transactions sync automatically so your books stay up-to-date — no manual receipts, no spreadsheets at month end.
- Xero
- Sage
- FreeAgent
Am I eligible?
The cashback card has its own simple eligibility — you may qualify even if you don't yet qualify for our standard business loans.
- UK-based business
- Registered limited company
- 12+ months trading history
- £30,000+ annual turnover
Note: These are the card provider's eligibility rules and are intentionally lower than the £120k+ turnover we require for our standard business loan facilities. Sole traders and partnerships aren't eligible for this card.
Why apply through SME Finance Hub
We introduce eligible UK limited companies to our trusted credit card partner — and handle the paperwork so you don't have to.
FCA-Authorised Broker
Regulated, transparent and accountable. We work in your best interest.
Free to Apply
No upfront fees, ever. We're paid commission by the lender only if you proceed.
A Real Human Helps
A UK-based specialist guides you through eligibility and next steps.
Cashback Card FAQs
Everything you need to know before applying.
Start earning cashback on your business spend
Check eligibility in under 60 seconds. No impact on your credit score.
Credit subject to status. Representative 34.9% APR variable. Rates from 14.9% p.a. We are an FCA-authorised credit broker, not a lender. We receive commission from the lender if your application completes.