Turn spend into savings with our Cashback business credit card

You can redeem your points in two ways:

• Statement credit – reduce the balance you owe us
• Digital gift cards – choose from over 30 leading brands

Go to the ‘Rewards’ tab in your online account to use your points. They’re ready to use once you’ve paid at least the minimum amount on your latest statement. Only the main cardholder can redeem them.

Our Representative APR is 34.9% (variable). Representative means that most customers are given this rate or better. Please note that rates and credit limits are subject to a full credit assessment.

Variable means the rate you repay may change over time. It moves in line with the Bank of England Base Rate, and may also vary depending on your individual circumstances, either when you apply or afterwards.

If you repay your statement balance in full by the due date every month, you won't be charged interest on your purchases.

Once your statement gets generated, you’ll need to repay at least 10% of the statement or £100, whichever’s higher. You can choose to repay off more if you prefer, or settle the balance in full. You can change your Direct Debit settings in your account up to 3 working days before your due date, or make a manual repayment. Please note, if your outstanding balance is less than £100, you’ll need to repay the full amount. 

Your Cashback card is designed to reward you for everyday business expenses, like travel costs, team lunches or socials, office supplies, shipping and more. And with a credit limit of up to £250,000, you could also use your card for larger payments such as stock orders or new equipment – it’s totally up to you. Credit limits and rates are subject to a full credit assessment. 

At the end of each monthly billing period, we'll send you a statement. It'll show all your transactions, the cashback you’ve earned, your total balance and the minimum repayment due.

You'll then have 12 days once your statement has been generated to make a repayment. You must set up a direct debit so that your repayment can be taken automatically on the given date.

Yes, you can track and manage your transactions, and authorise larger card transactions, easily within our app. Simply search for Funding Circle in the Apple App Store or Google Play Store to download it. You can also view your transactions and download your card statements by logging into your online account on our website.

Some credit cards are covered under Section 75 of The Consumer Credit Act 1974 which provides protection to consumers when making purchases using credit cards. This makes the credit card company jointly liable with the retailer for goods and services purchased using the credit card.

However, Section 75 of The Consumer Credit Act 1974 protects private individuals, rather than businesses or other organisations and therefore Section 75 protection does not apply to transactions made using the Cashback card.