Visa and MasterCard credit cards
A simple, convenient way to pay
- Up to 56 days of interest-free credit
when your balance is paid in full and on time - Online access to transactions and management reports
to simplify your accounting processes - Monitor spend with key suppliers,
helping with the negotiation of business discounts - Insurance products for added protection
such as travel insurance, extended warranties and cardholder insurance, at no extra cost.
Apply for Visa gold credit card
Read the Summary Box
Overview
How Visa and MasterCard credit cards help your business
We appreciate your need to simplify payments, manage your cash flow and have flexible options when it comes to making purchases. These features and more, make Barclaycard credit cards ideal for your business needs.
Online access so you keep a close eye on expenses
With Visa and MasterCard credit cards, you can access transactions and statements as well as management and annual reports, online. Search by supplier, date and amount, to monitor spending patterns, helping you make future financial decisions and keep a tight rein over your expenses.
Flexible and convenient
You can take advantage of up to 56 days of interest-free credit, when your bill's paid in full and on time. For even more flexibility, you could pay as little as £5 or 5% of the balance, whichever's greater, when your statement arrives. Please be aware, though, that it takes longer to pay off debt, and you'll be charged more interest, if you only pay the minimum.
Control is in your hands
After we agree your account limit with you, you can set individual spending limits for each cardholder.
Why choose our Visa credit card?
Visa cards are widely accepted at over 24 million* outlets worldwide, in 150 countries, wherever you see the Visa sign. They can also be used to withdraw money at more than one million ATMs.
In addition to all the above features, platinum Visa credit card holders also benefit from:
- AA European Fleet Cover
In addition to substantial discounts of up to 55% off usual rates, Platinum account holders are upgraded to AA Fleet Europe cover for their vehicles, at no extra cost. - Enhanced business travel insurance
If your trip is paid for by a platinum card, you and 3 fellow travellers are covered by our insurance in the event of medical emergencies, legal expenses, personal baggage replacement and other unexpected difficulties. - Enhanced 90 day purchase protection
Using your Platinum Visa credit card to buy goods protects your business from accidental damage, loss or theft for up to £3,000 per item.
Why choose our MasterCard?
When you've worked hard to build your business, it's worth protecting from identity fraud, one of the world's fastest growing crimes. Our MasterCard credit card comes with Identity Protection Assistance to help you prevent, detect and resolve identity theft, keeping you and your business safe.
It's tailored to suit all business types, with a package for sole traders and limited companies. Both give you access to your personal and business credit reports, alerts and our helpline for advice on dealing with suspicious account activity.
Terms and conditions apply
Read Visa gold credit card terms and conditions PDF Read Visa platinum credit card terms and conditions PDF Read MasterCard credit card terms and conditions PDF
If you don't have Adobe Reader installed on your computer, download it here for free.
* According to information reported to Visa by its customers in 2006, Barclaycard Commercial cards can be accepted at more than 24 million outlets and one million ATMs.
Fraud & Protection
With online protection, chip and PIN technology and Barclaycard Secure, you can make payments, confident that you're safe from malicious activity. With both Visa and MasterCard credit cards, you get the following types of insurance, at no extra cost:
Cardholder misuse Insurance
If one of your credit cards is misused, even by temporary staff, and you cannot get reimbursed, you're covered for up to £15,000 per cardholder. And your business, as a whole, is protected for up to £1,000,000 each year.
90 day purchase protection
Buy eligible goods worth over £50 with your credit card and you're protected against accidental damage, loss or theft for the first 90 days. MasterCard and gold Visa cardholders are insured for up to £2,500 per item, and platinum Visa customers for up to £3,000.
24 month extended warranty
Eligible purchases worth over £50 and made with your credit card are covered for an extra 12 months beyond the manufacturer's warranty, to a maximum of 24 months.
Travel accident cover for 4 people
Using your credit card to pay for trips insures up to 4 people, including the cardholder, for £100,000 each.
Terms and conditions apply
View all credit card insurance benefits and exclusions
If you don't have Adobe Reader installed on your computer, download it here for free.
Fees & charges
Credit card charges
| MasterCard and gold Visa card | Platinum Visa card | |
|---|---|---|
| Annual fees | £32 | £78 |
Cash withdrawals
Credit cards can be used to withdraw from cash machines. If using an ATM abroad, you'll get your money in the local currency, subject to a handling charge and foreign exchange fee. This fee also applies to all transactions in foreign currency.
| MasterCard, gold and platinum Visa cards | |
|---|---|
| Maximum daily withdrawal | £500 |
| Handling charge | 3% (min £3) |
| Foreign exchange fee | 2.99% |
Interest charges
Provided your balance is paid off in full when it's due, you can enjoy up to 56 days of interest-free credit.
| MasterCard and gold Visa card | Platinum Visa card | |
|---|---|---|
| Typical APR (variable) | 19.9% (variable) | 26.9% (variable) |
| Annual interest rate for retail transactions | 15.2% (variable) | 15.2% (variable) |
| Annual interest rate for cash transactions | 26.9% (variable) | 26.9% (variable) |
Payment of bills
You need to pay at least 5% or £5 of each cardholder's balance, whichever's greater, within 25 days of the date on your statement. Just be aware that it takes longer to pay off debt, and you'll be charged more interest, if you only pay the minimum.
Penalties and late payments
Should you break your agreement, we charge for any reasonable costs or losses in addition to these charges:
| MasterCard, gold and platinum Visa cards | |
|---|---|
| Late payment | £25 a month |
| Returned payment | £25 a month |
| Exceeded limit | £25 a month |
Receipts and statements
Regular statements to your company and each cardholder can be accessed online, any time at no extra cost. However, if you need extra copies there's a small fee to pay.
If disputing a transaction that's found in your favour, the charge for supplying you with a copy of your transaction receipt will be refunded.
| MasterCard, gold and platinum Visa cards | |
|---|---|
| Copies of previous statements | £3 for each statement |
| Copy of a transaction receipt | £5 |
Extra benefits
Our credit cards give you access to services and discounts from the following partners:
Reed Learning
Cardholders are entitled to 25% off any training course paid for with your Visa credit card. If a trainee leaves your company within 6 months, Reed Learning will train their replacement at no extra cost.
Ryman the stationers
Visa credit cardholders get discounts of up to 15% off the cost of stationery and office supplies, and free next day delivery on orders over £30.
Redstone Telecom
Both Visa and MasterCard customers enjoy discounts on business calls and line rental.
AA
We offer discounted AA membership for Visa and MasterCard business customers, with up to 55% off usual rates.
Platinum Visa cardholders are also upgraded to AA Fleet Europe cover for their vehicles, at no extra cost.
HP
Pay with a MasterCard credit card, and get 10% off all products at HP.
Parcelforce
MasterCard customers save 15% on Parcelforce Worldwide services.
Visa
Barclaycard Commercial has teamed up with Visa to bring you exclusive discounts saving you money as you go about your business.
Find out more about these discounts.
