2% cashback now, 1% uncapped forever

A cashback credit card lets you turn your day-to-day business spend into cashback with your card. It works like a personal credit card, but for business expenses.

You'll earn 2% cashback for the first 6 months on all card spend after you open your account, then 1% uncapped cashback after that. Your cashback will be automatically credited to your account when you make a payment towards your statement at the end of the month.

The time limited offer rate of 2% cashback for the first 6 months starts from the date your application was approved and is capped at £2,000 cashback.

Our Representative APR is 34.9% (variable). Representative means that the majority of customers will get this rate or better.

Variable means that the rate you pay may change over time. Your interest rates will move up and down in line with the Bank of England Base Rate. Rates may also vary based on your individual circumstances, either when you apply or afterwards.

If you pay off your balance in full, you’ll not be charged interest for that billing period.

Your Cashback card's designed to reward you for everyday expenses, such as shipping, business trip costs, team lunches or socials, office supplies and more.

You can use your card anywhere that accepts Visa, whether online, in-store or abroad for international payments. 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.

Keep in mind that cash withdrawals and gambling transactions are not supported by this card. We won't apply any foreign exchange fees. However, foreign card transactions are subject to Visa's exchange rates.

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.

Once your statement gets generated, you’ll need to pay at least 10% of the outstanding balance or £100, whichever’s higher. You can choose to pay off more if you prefer, or settle the balance in full. You can change your direct debit settings in your account, or make a manual payment. Please note, if your outstanding balance is less than £100, you’ll need to pay the full amount.

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.

We currently support integrations with FreeAgent, Xero and Sage. Connecting your accounting software allows us to automatically sync your transactions to your selected provider. This saves you from having to manually upload documents and helps keep your books up to date. For more information please see our FAQ page.

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 Funding Circle Cashback business credit card.

Yes, your Cashback card lets you spend anywhere in the world and get the same 2% cashback for the first 6 months (up to £2,000), then 1% uncapped cashback after that. And you’ll benefit from no foreign exchange fees, so you avoid draining your spend on unfair fees and reverse the flow with more savings.

Company cards let the main account holder easily issue multiple business credit cards to your team at zero monthly or annual cost. You maintain total oversight through an intuitive dashboard, where you can set individual spend limits for your whole team. Every pound spent across the business contributes to your cashback, turning the card into a strategic credit tool. Find out more about Company cards.

To be eligible for the Funding Circle Cashback business credit card your business needs to:

• Be based in the UK
• Be a limited company

• Have at least 1 year of trading history
• Have an annual turnover of at least £30,000

Already have FlexiPay or another Funding Circle loan? Our Cashback card is not yet available for existing customers, we’ll be in touch as soon as this is available to you.

Yes. Putting larger bills like VAT or tax onto your card can help protect your cash reserves. It lets you spread the cost of essential spend, while getting paid back at the same time.