Revolut business credit cards: Titan, expense cards and alternatives
Published on: 2nd August 2026
Revolut offers business cards, but not a revolving small business credit card. Its options are built around multi-currency debit cards for team spending, plus Titan, a premium corporate card launched to UK businesses in 2026. These are expense and charge-style products that draw on the money already in your Revolut Business account, rather than a credit facility you borrow against and repay over time. This guide covers what Revolut offers, how the cards work, where they fit, and what to weigh up if you want a business credit card instead.
All Revolut product details below are taken from Revolut’s own website and were correct as of August 2026. Rates, fees and terms can change and vary by circumstances, so it's worth confirming the latest details directly with Revolut before applying.
What business cards does Revolut offer?
Revolut Business gives you cards for spending, not borrowing. You can issue physical and virtual debit cards to yourself and your team, set limits, and track spend inside the Revolut Business app. The cards sit on top of your business account and spend from your available balance.
Revolut Business expense cards and the Titan corporate card
The everyday option is the Revolut Business expense card, a multi-currency debit card you can issue across your team. Each person can hold multiple virtual cards and physical cards, with metal cards available on the higher-tier plans.
Titan is the premium tier. It's a corporate card, powered by Visa, that Revolut launched to UK businesses in 2026.
Users earn travel and lifestyle perks with the same expense controls as the rest of the range.
Benefits include airport lounge access, travel insurance, a monthly global data allowance, RevPoints rewards and a set of premium subscriptions.
Titan carries a per-user monthly fee, so it's aimed at businesses with frequent travellers rather than every team.
How Revolut's cards work
Revolut's cards are tied to your business account and your chosen plan. Three things shape the day-to-day experience: how they handle foreign spending, how they manage expenses, and which plan you're on.
Multi-currency and foreign spending
Revolut's cards are multi-currency. You can hold and spend in a range of currencies, and pay from a matching balance when you have one.
When you don't hold the currency you need, the card exchanges at the interbank rate during market hours, up to your plan's monthly allowance. Once you pass that allowance, foreign exchange fees apply. How much fee-free currency you get depends on your plan, so businesses with heavy overseas spend tend to sit on higher tiers.
Expense management and reconciliation
You can issue a card per person, set spending limits, freeze cards and capture receipts in the app.
Spend feeds into expense and reconciliation tools, which cuts down on chasing receipts and matching transactions at month end. For businesses that currently run separate spend-management software, having it built into the account is the main appeal.
Plan pricing and eligibility
Revolut Business runs on tiered plans, from an entry-level option up through its Grow, Scale and Enterprise tiers, with features and allowances rising as you go.
Metal cards and more advanced spend controls sit on the paid tiers, and Titan is a separate per-user option for the premium card. Plan fees, allowances and card fees vary and change over time, so it's worth checking Revolut's current pricing before you commit.
Eligibility depends on where your business is incorporated and on Revolut's own onboarding checks.
Is Revolut's card a credit card?
The short answer is no. Revolut's business cards, including Titan, are debit and expense cards. They let you spend money you already hold, not money you borrow.
Charge and expense card vs revolving credit
The difference matters for cash flow.
A debit or expense card draws on your balance, so you can only spend what's in the account. A charge card lets you spend first and settle in full at the end of a set period, but it doesn't let you carry a balance.
A business credit card works differently again: it gives you a revolving credit line, an interest-free window on purchases if you clear the balance in full, and the option to spread a cost when you need to.
If your goal is short-term borrowing capacity, or a buffer between paying suppliers and getting paid, a debit-based card won't provide it.
When a business credit card is the better fit
A business credit card suits you when you want more than a way to spend funds you already hold. Three features tend to matter most.
The first is access to a credit line. A credit limit gives you headroom to cover costs before the money lands, which a debit card can't do.
The second is the interest-free period. Many business credit cards give you an interest-free window on purchases when you pay your balance in full, which can ease the gap between outgoings and income.
The third is cashback on everyday spending. Some business credit cards pay you back on purchases you'd make anyway, turning routine spend into a small, steady return.
If those three things describe what you're after, a business credit card is worth looking at alongside Revolut's expense cards. Here's how the options compare at a glance.
| Revolut Business expense cards | Revolut Titan | Funding Circle Cashback business credit card | |
|---|---|---|---|
| Card type | Multi-currency debit and expense card | Premium corporate card (Visa), debit-based | Visa business credit card |
| How you pay | From your account balance | From your account balance | From a revolving credit line |
| Credit line | No | No | Yes, up to £250,000 |
| Interest-free period on purchases | No | No | Up to 42 days when you clear the balance in full |
| Cashback | No | RevPoints rewards (not cashback) | 2% cashback for the first 6 months or up to £2,000, whichever comes first, then 1% uncapped |
| Foreign spending | Interbank rate within your plan's allowance, foreign exchange fees beyond it | Multi-currency, subject to plan terms | No foreign exchange fees |
| Ongoing fee | Tiered plan subscription | Per-user monthly fee (£65 + VAT per user at the time of writing) | No annual fee |
| Eligibility | Subject to Revolut's onboarding checks | Subject to Revolut's onboarding checks | UK limited companies |
| Best suited to | Teams managing multi-currency spend from existing funds | Teams that travel often and want premium perks | Limited companies wanting a credit line, an interest-free window and cashback on everyday spend |
Figures correct as of July 2026. Card fees, plan pricing and foreign exchange allowances change over time, so check each provider's current terms before you apply.
Funding Circle's business credit card as an alternative
If you want a genuine business credit card, the Funding Circle Cashback business credit card can help. It's a Visa business credit card built for UK limited companies.
You earn 2% cashback on card purchases for the first 6 months (2% cashback for the first 6 months or up to £2,000, whichever comes first), then 1% uncapped cashback on everything you spend after that.
You get up to 42 days interest-free credit when you clear your balance, a credit limit of up to £250,000, and no annual fees or foreign exchange fees.
Rates start from 14.9% per year, with a representative 34.9% APR (variable).
You can issue free unlimited Company cards to your team and sync your spend automatically with Sage, Xero or FreeAgent.
Applying takes minutes online, with an instant decision, and limited companies can apply without affecting their credit score.
FAQs
Does Revolut offer a business credit card?
Revolut offers business expense cards and the premium Titan corporate card, but these are debit and charge-style products rather than a revolving credit card. They let you spend from your Revolut Business account balance instead of borrowing against a credit line. If you specifically want a business credit card, you'd need to look at a dedicated business credit card provider.
What is the Revolut Titan card?
Titan is Revolut Business's premium corporate card, launched to UK businesses in 2026 and powered by Visa. It combines travel and lifestyle perks, such as airport lounge access, travel insurance, a global data allowance and RevPoints, with the expense management tools built into the Revolut Business app. It carries a per-user monthly fee, so it's aimed at teams that travel often.
Does Revolut charge foreign transaction fees?
It depends on your Revolut Business plan. Each plan includes a monthly allowance for exchanging currency at the interbank rate during market hours, and foreign exchange fees apply once you go past that allowance. Higher tiers include larger allowances, so businesses with heavy overseas spend often choose a bigger plan.
Disclaimer
02/08/26 – While we want to help as much as we can, the information found here is provided solely for informational purposes and should not be considered financial or legal advice. To the extent permitted by law, Funding Circle does not accept any liability for any loss or damage which may arise directly or indirectly from the use of, or reliance on, the information contained here. All information is correct at time of publishing, and customers should do their own research before making financial decisions. If you have any questions, please speak to your professional adviser or seek independent legal advice.
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