Corporate Visa charge cards
An easier way to manage your travel expenses
- Convenient for staff travel and entertainment
- Greater control of expenses
with individual spending limits that you set - Streamline the management of your expenses
by automating invoice payments, reconciliation and reporting tasks - Management Information reports
help with forecasting and analysing expenses
Overview
How gold and platinum corporate cards help your business
Give employees a flexible way to pay that's within your control, while reducing time spent on admin. Depending on your company's needs, you can apply for either gold or platinum cards. Both are a superb choice for medium and large businesses that value efficiency.
Control how much employees spend
Sign up for either corporate card account and issue charge cards, confident that ultimate control remains yours. By setting a spending limit for every card, it's easier for emloyees to adhere to your company's travel policy.
Monitoring transactions is easy online, where you can see how much each cardholder has spent, where they spent it and with whom.
Streamline your expenses
For little up-front investment, corporate cards simplify and secure your payments. You can automate invoice payments, key reconciliation and reporting tasks to reduce the time, cost and errors that are common with manual data entry.
Our Management Information (MI) reports make it easier to analyse how much different divisions of your company spend with suppliers, helping you forecast accurately and negotiate volume discounts.
Less stress when staff travel
To protect cardholders who are away on short trips or international business, we offer extra support with both accounts.
- 24 hour international SOS support centre
Our multilingual advisors are there to help if employees need medical or emergency travel services. - Personal Travel Accident Cover for four people
Travellers, including the cardholder, who are in transit on public transport are covered for up to £100,000.
Since they're insured and have no concerns about carrying cash, foreign currency or using personal credit cards, employees are free to focus on the important business at hand.
Why choose Platinum?
Our platinum corporate card also comes with enhanced purchase protection, extended warranties and the following benefits:
- Free Priority Pass membership
Platinum cardholders can apply for free membership* and are welcome to bring guests too# to over 600 VIP airport lounges where they can maximise their wait in a relaxed or productive manner. Gold cardholders pay an annual fee for this service.
* £15 lounge fees will apply per visit per person.
# Some lounges may restrict the number of guest. - Enhanced business travel insurance
Provided your trip is paid for by a platinum card, travellers are covered in the event of medical emergencies, legal expenses, personal baggage replacement and a host of other potential difficulties. Although gold cardholders also get free travel insurance, the benefits are enhanced for platinum cardholders. - An exclusive concierge service
This premium membership includes hospitality and event ticketing, gift delivery, airport parking for chauffeurs, courier and remote PA services.
Terms and conditions apply
View corporate card terms and conditions PDF
If you don't have Adobe Reader installed on your computer, download it here for free.
Fraud and Protection
In addition to substantial support when employees travel, the corporate card account gives you peace of mind in other ways.
90 day purchase protection
Buy eligible goods products worth over £50, bought on your card, are protected against accidental damage, loss or theft for the first 90 days.
24 month extended warranty
Use your card to buy goods worth over £50 and we'll automatically double the manufacturers warranty period to a maximum of 24 months, provided the products are eligible.
Cardholder misuse insurance
This protects you in the event that an employee, whether they're permanent or temporary, uses their card inappropriately. You're covered for up to £15,000 for each cardholder and £1,000,000 for your business as a whole, every year.
Card Protection Plan
This additional service, which costs £29 a year or £70 for three years, protects you from the cost and hassle of replacing personal and business cards, passports and driving licenses.
When necessary, they can be cancelled and replaced with just one call. Each cardholder is insured for up to £100,000 against fraud.
If cardholders are travelling when documents go missing, we would arrange emergency travel documents, tickets and cash advances of up to £3,000. So all they have to do upon their return is apply for new documents.
Fees and charges
Corporate card fees
| Gold corporate card | Platinum corporate card | |
|---|---|---|
| Annual fees | £32 | £78 |
Cash withdrawals
Conveniently, you can withdraw cash at home or in local currencies from ATMs around the world, provided your company allows this. All transactions in foreign currency have foreign exchange fees applied and any cash withdrawn abroad incurs both a handling charge and foreign exchange fee.
| Gold corporate card | Platinum corporate card | |
|---|---|---|
| Maximum daily withdrawal (subject to cash limit) |
£300 | £500 |
| Handling charge | 3% (min £3) | 3% (min £3) |
| Foreign exchange fee | 2.99% | 2.99% |
Interest charges
Enjoy the flexibility of up to 38 days' interest-free credit, provided your balance is paid in full. If you miss a payment date, interest is charged at 2% a month, calculated daily from the statement date until the balance (including any charges) is repaid in full.
Payment of bills
The total balance for all cardholders is usually settled in full by Direct Debit, within 7 days of the date of your statement.
Penalties and late payments
We may apply additional charges if your balance is not settled in full when it's due, or if your account limit has been exceeded.
If you need your limit increased in the short-term because of special circumstances or want to re-arrange your cardholders' limits, contact us and we'll do our best to help.
| Gold corporate card | Platinum corporate card | |
|---|---|---|
| Late payment (monthly) | £25 | £25 |
| Returned payment (monthly) | £25 | £25 |
| Exceeded limit (monthly) | £25 | £25 |
Receipts and statements
If you'd like to receive monthly and annual Management Information reports, there may be extra fees to pay. With transaction disputes that are found in your favour, the charge for a copy of your transaction receipt will be refunded.
| Gold corporate card | Platinum corporate card | |
|---|---|---|
| Regular statements to company and cardholders |
Free | Free |
| Copies of previous statements | £3 a statement | £3 a statement |
| Copy of a transaction receipt | £5 | £5 |
Extra benefits
Both corporate card accounts come with services and discounts from the following partners:
AA
We offer discounted AA membership for your business, plus preferential rates for specialist vehicles like taxis and buses.
Ryman
Get discounts of up to 15% off the cost of stationery and office supplies.
Financial Times
Save up to 60% on subscriptions when you pay with your Visa Corporate card.
International VAT Reclaim
Claw back VAT for business expenses that you've incurred while travelling abroad.
Priority Pass
Gold cardholders can enjoy access to over 600 VIP airport lounges where they can work, relax or refresh themselves, at the discounted rate of £52.50 a year. The first visit is free, with subsequent visits costing just £15 each.
Platinum cardholders can apply for free Priority Pass membership* and are welcome to bring guests too#*
* £15 lounge fees will apply per visit per person.
# Some lounges may restrict the number of guests so it is advisable to check the Priority Pass directory received with your membership details.
