Visa and MasterCard credit cards

Visa Gold, Visa Platinum 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
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Apply for Visa platinum credit card
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Apply for MasterCard credit card
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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

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* 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

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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

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.

Call Charges: Calls may be monitored or recorded for security and quality purposes. Calls made to 0800 numbers are free if made from a UK landline.
For BT business customers, calls to 0844 numbers will cost no more than 5p a minute, min call charge of 5.9p (current at April 2010). The price on non-BT phone lines may be different.

Lending Code: Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. You can find out more about the Lending Code by visiting the Lending Standards Board website.

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