{"id":119932,"date":"2023-10-30T16:55:48","date_gmt":"2023-10-30T14:55:48","guid":{"rendered":"https:\/\/factorialhr.com\/blog\/?p=119932"},"modified":"2025-10-17T14:08:46","modified_gmt":"2025-10-17T12:08:46","slug":"best-business-credit-cards","status":"publish","type":"post","link":"https:\/\/factorialhr.co.uk\/blog\/best-business-credit-cards\/","title":{"rendered":"Best 6 Business Credit Cards &#8211; Complete Review and Comparison\u00a0"},"content":{"rendered":"<p data-pm-slice=\"1 1 []\">Handling expenses can be time-consuming. Keeping track of <strong>what your teams are spending, who needs to give you receipts<\/strong> and <strong>who needs to be reimbursed<\/strong> takes up valuable time that your finance team could be spending on more important tasks. That&#8217;s where <a href=\"https:\/\/factorialhr.co.uk\/corporate-cards\" target=\"_blank\" rel=\"noopener noreferrer\">business credit cards<\/a> come in.<\/p>\n<p>Business credit cards, or corporate cards, can take the hassle out of company spending, <strong>empowering your employees to take control of their budgets.<\/strong> Prepaid business credit cards are ideal for giving your teams a set amount for allowable expenses, removing the need to reimburse them. Utilizing a corporate credit card comes with lots of benefits. Particularly for employers, a greater sense of control over business purchases. As there is a wide range of business credit cards available, why not choose one that gives you control over employee spending?<\/p>\n<p>We&#8217;ve reviewed the pick of the <strong>best prepaid business credit cards<\/strong> to help you decide which is the best option for your business.<\/p>\n<ul>\n<li><a href=\"#whatis\">What is a Business Credit Card?<\/a><\/li>\n<li><a href=\"#benefits\">Benefits of Having a Corporate Credit Card<\/a><\/li>\n<li><a href=\"#fact\">1. Factorial <b>\u2b50\u2b50\u2b50\u2b50\u2b50<\/b><\/a><\/li>\n<li><a href=\"#tide\">2. Tide \u2b50\u2b50\u2b50\u2b50<\/a><\/li>\n<li><a href=\"#soldo\">3. Soldo \u2b50\u2b50\u2b50\u2b50<\/a><\/li>\n<li><a href=\"#pleo\"><span style=\"font-weight: 400;\">4. Pleo <\/span><b>\u2b50\u2b50\u2b50\u2b50<\/b><\/a><\/li>\n<li><a href=\"#spendesk\">5. Spendesk \u2b50\u2b50\u2b50\u2b50<\/a><\/li>\n<li><a href=\"#equals\">6. Equals Money \u2b50\u2b50\u2b50\u2b50<\/a><\/li>\n<li><a href=\"#final\">Final Thoughts<\/a><\/li>\n<\/ul>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot; \n &lt;!--HubSpot Call-to-Action Code --&gt;\n    &lt;span class=&quot;hs-cta-wrapper&quot; id=&quot;hs-cta-wrapper-94f56e4d-6463-424f-8f82-3817b8695bb4&quot;&gt;\n        &lt;span class=&quot;hs-cta-node hs-cta-94f56e4d-6463-424f-8f82-3817b8695bb4&quot; id=&quot;94f56e4d-6463-424f-8f82-3817b8695bb4&quot;&gt;\n            &lt;a href=&quot;https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/4960096\/94f56e4d-6463-424f-8f82-3817b8695bb4&quot;&gt;\n                &lt;img class=&quot;lazyload hs-cta-img&quot; id=&quot;hs-cta-img-94f56e4d-6463-424f-8f82-3817b8695bb4&quot; style=&quot;border-width:0px;&quot; src=&quot;https:\/\/no-cache.hubspot.com\/cta\/default\/4960096\/94f56e4d-6463-424f-8f82-3817b8695bb4.png&quot;  alt=&quot;\u201cuk\u201d-demo-request&quot; width=&quot;&quot;100%&quot;&quot; height=&quot;&quot;100%&quot;&quot; \/&gt;\n            &lt;\/a&gt;\n        &lt;\/span&gt;\n        &lt;script type=&quot;text\/javascript&quot;&gt;\n            function loadCTA(){\n                window.hbspt.cta.load(4960096, &#039;94f56e4d-6463-424f-8f82-3817b8695bb4&#039;, {&#039;region&#039;: &#039;eu1&#039;})\n            }\n            if(window.hbspt){\n                loadCTA()\n            }else{\n                Defer.js(\n                    &#039;https:\/\/js.hubspot.com\/cta\/current.js&#039;,\n                    &#039;hubspotCTA&#039;, \n                    0, \n                    loadCTA\n                );\n            }\n        &lt;\/script&gt;\n    &lt;\/span&gt;\n&lt;!-- end HubSpot Call-to-Action Code --&gt;\n&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:23107,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;9&quot;:1,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Arial&quot;,&quot;17&quot;:1}\"> \n <!--HubSpot Call-to-Action Code -->\n    <span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-94f56e4d-6463-424f-8f82-3817b8695bb4\">\n        <span class=\"hs-cta-node hs-cta-94f56e4d-6463-424f-8f82-3817b8695bb4\" id=\"94f56e4d-6463-424f-8f82-3817b8695bb4\">\n            <a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/4960096\/94f56e4d-6463-424f-8f82-3817b8695bb4\">\n                <img decoding=\"async\" class=\"lazyload hs-cta-img\" id=\"hs-cta-img-94f56e4d-6463-424f-8f82-3817b8695bb4\" style=\"border-width:0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/4960096\/94f56e4d-6463-424f-8f82-3817b8695bb4.png\"  alt=\"\u201cuk\u201d-demo-request\" width=\"100%\" height=\"100%\" \/>\n            <\/a>\n        <\/span>\n        <script type=\"text\/javascript\">\n            function loadCTA(){\n                window.hbspt.cta.load(4960096, '94f56e4d-6463-424f-8f82-3817b8695bb4', {'region': 'eu1'})\n            }\n            if(window.hbspt){\n                loadCTA()\n            }else{\n                Defer.js(\n                    'https:\/\/js.hubspot.com\/cta\/current.js',\n                    'hubspotCTA', \n                    0, \n                    loadCTA\n                );\n            }\n        <\/script>\n    <\/span>\n<!-- end HubSpot Call-to-Action Code -->\n<\/span><\/p>\n<h2><strong><a id=\"whatis\"><\/a>What is a Business Credit Card?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">A business credit card works just like a personal credit card, except it\u2019s intended for use by a business. Traditional business credit cards give the business<\/span><b> credit up to a certain amount <\/b><span style=\"font-weight: 400;\">that they can use to make purchases, and they must make a <\/span><b>minimum payment<\/b><span style=\"font-weight: 400;\"> towards their bill at the end of each month. If the business doesn\u2019t pay the bill in full, it will be <\/span><b>charged interest<\/b><span style=\"font-weight: 400;\"> on the remaining balance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, a new corporate credit card alternative has entered the market in the last few years. These alternatives are <\/span><b>prepaid business credit cards,<\/b><span style=\"font-weight: 400;\"> so the company <\/span><b>loads money on the cards<\/b><span style=\"font-weight: 400;\"> for employees to spend on anything business-related. These company cards can be given to any team member who needs to make purchases for the organisation and help companies <\/span><b>control their spending. <\/b><span style=\"font-weight: 400;\">Since many of these cards come with an app for employees and admins, they can <\/span><b>save time<\/b><span style=\"font-weight: 400;\"> by allowing employees to <\/span><b>upload their receipts<\/b><span style=\"font-weight: 400;\"> as they make purchases.<\/span><\/p>\n<h2><strong><a id=\"benefits\"><\/a>Benefits of Having a Corporate Credit Card<\/strong><\/h2>\n<ul>\n<li><b>Save admin time: <\/b><span style=\"font-weight: 400;\">Corporate credit cards reduce the time finance teams spend on chasing receipts, tracking department spending and reimbursing employees who have spent on their personal credit cards.<\/span><\/li>\n<li><b>Control spending:<\/b> Load a certain amount of money onto an employee\u2019s card so they know how much they have to spend on department materials or on meals when they\u2019re travelling for business.<\/li>\n<li><b>Improve security:<\/b> Give every employee their own credit card, stopping the need for sharing PINs and card numbers across multiple teams and individuals.<\/li>\n<li><b>Increase employee satisfaction: <\/b>Team members who have to wait to be reimbursed for business expenses can become frustrated and resentful. Using a corporate credit card means employees can make authorised purchases with the company money, ensuring they\u2019re never left out of pocket.<\/li>\n<li><b>Reduce expense fraud: <\/b>While it\u2019s rare, expense fraud can become a problem in some businesses. Corporate cards reduce the likelihood of employees providing fake receipts for out-of-pocket expenses as everything they\u2019ve spent will be recorded in their card transactions.<b>\u00a0<\/b><\/li>\n<\/ul>\n<h2><strong><a id=\"fact\"><\/a>1. Factorial <\/strong><b>\u2b50\u2b50\u2b50\u2b50\u2b50<\/b><\/h2>\n<p><img decoding=\"async\" class=\"wp-image-119947 aligncenter\" src=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30134544\/1689144149-human-resources-software-us_11zon-300x151.png\" alt=\"factorial hr software\" width=\"696\" height=\"350\" srcset=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30134544\/1689144149-human-resources-software-us_11zon-300x151.png 300w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30134544\/1689144149-human-resources-software-us_11zon-1024x516.png 1024w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30134544\/1689144149-human-resources-software-us_11zon-768x387.png 768w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30134544\/1689144149-human-resources-software-us_11zon.png 1277w\" sizes=\"(max-width: 696px) 100vw, 696px\" \/><\/p>\n<p data-pm-slice=\"1 1 []\">Perfect for businesses that want to keep all finances and HR in one place.<\/p>\n<h3><strong>Overview<\/strong><\/h3>\n<p data-pm-slice=\"1 1 []\">Factorial helps organisations manage time off requests, <a href=\"https:\/\/factorialhr.co.uk\/performance-management\" target=\"_blank\" rel=\"noopener noreferrer\">employee performance management software,<\/a> payroll and finances with just one platform. One of the best things about Factorial is that you can also manage your expenses with their corporate credit cards.\u00a0You can receive free employee Factorial cards which allow your team to make purchases without needing to be reimbursed in the future.<\/p>\n<p>You can create different virtual cards for each department and set spending limits for each card to control spending, and admins will get app notifications about each payment to help them track spending instantly. Every purchase is tracked in Factorial Expenses so you&#8217;ve got all the information you need in one place, and get financial insights with detailed reports. It&#8217;s easy to freeze cards when staff are on holiday or cancel them when an employee leaves, so you&#8217;ve got complete visibility and control over your company&#8217;s finances.<\/p>\n<h3><strong>Pros<\/strong><\/h3>\n<p><b>\u2705 <\/b><span style=\"font-weight: 400;\">Easy to add funds to cards<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Manage all HR functions in one place<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">One monthly price for HR and finance<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Review expenses on the app<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Physical card option\u00a0<\/span><\/p>\n<h3><strong>What Users Say<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Users love how simple and easy-to-use Factorial\u2019s interface is. It\u2019s easy to add funds to each card once you have an IBAN and the integration with the HR Analytics tool works well to give them deeper insights into their company spending. Customers like that they can manage all HR functions and finances in one place, reducing the need for extra subscriptions and further training on other software.\u00a0\u00a0<\/span><\/p>\n<p><iframe title=\"YouTube video player\" src=\"\/\/www.youtube.com\/embed\/P9LHtKsTfB4?si=dCE9LOTBaAcXxyIe\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h3><strong>Factorial Business Credit Card Features<\/strong><\/h3>\n<p><strong>Set limits<br \/>\n<\/strong><span style=\"font-weight: 400;\">Create different virtual cards for different functions or departments, and set a budget for each to control spending.<\/span><\/p>\n<p><strong>Top security<br \/>\n<\/strong><span style=\"font-weight: 400;\">Each business credit card has its own unique number and they\u2019re never stored on Factorial\u2019s servers, so you can make purchases with peace of mind that your company money is safe.<\/span><\/p>\n<p><strong>Automate expenses<br \/>\n<\/strong><span style=\"font-weight: 400;\">Get notified about each expense as it comes in, and approve them on the mobile app. Users can upload their own receipts, so there are no more stacks of paper.<\/span><\/p>\n<p><strong>Freeze and cancel immediately<br \/>\n<\/strong><span style=\"font-weight: 400;\">If your team member is on holiday, freeze their card while they\u2019re away, and when someone leaves the company cancel their card with a click on the app.<\/span><\/p>\n<p><strong>Integrates with Apple<br \/>\n<\/strong><span style=\"font-weight: 400;\">Factorial\u2019s virtual cards integrate with Apple Wallet so employees can make purchases in store with any Apple device.<\/span><\/p>\n<p><strong>Deep reporting<br \/>\n<\/strong><span style=\"font-weight: 400;\">Integrate with the HR Analytics tool to gain insights into spending, giving you more data to construct your budgets and control costs more effectively.<\/span><\/p>\n<h3><strong>Pricing\u00a0<\/strong><\/h3>\n<p data-pm-slice=\"1 1 []\">The price depends on the customisable bundle you choose, however, there are plans starting at \u00a35.40 per employee per month.\u00a0 You can find all <a href=\"https:\/\/factorialhr.co.uk\/pricing-plans\" target=\"_blank\" rel=\"noopener noreferrer\">pricing plans here.<\/a><\/p>\n<p><strong><em>\ud83d\udc49 <\/em><\/strong><a href=\"https:\/\/factorialhr.co.uk\/request-demo\" target=\"_blank\" rel=\"noopener noreferrer\"><strong><em>S<\/em>ee why Factorial is a top choice for the best business credit cards in 2025<\/strong><\/a><strong>.<\/strong><\/p>\n<h2><strong><a id=\"tide\"><\/a>2. Tide <\/strong><b>\u2b50\u2b50\u2b50\u2b50<\/b><\/h2>\n<p><img decoding=\"async\" class=\"wp-image-119937 aligncenter\" src=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30120429\/Phone_card-without-shadow-3_11zon-260x300.png\" alt=\"Tide Platform \" width=\"424\" height=\"489\" srcset=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30120429\/Phone_card-without-shadow-3_11zon-260x300.png 260w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30120429\/Phone_card-without-shadow-3_11zon-768x887.png 768w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30120429\/Phone_card-without-shadow-3_11zon.png 792w\" sizes=\"(max-width: 424px) 100vw, 424px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">A good option for small businesses, but users often report service outages.<\/span><\/p>\n<h3><strong>Overview<\/strong><\/h3>\n<p data-pm-slice=\"1 1 []\">Tide is another business expenses credit card that allows you to add multiple users per account. You can set spending limits for each employee&#8217;s card, and they can scan and upload all their receipts in one go. Reports are available by category and person, so you can see who is spending on what. However, you must open a Tide bank account to load cards \u2013 you can&#8217;t load from another bank account.<\/p>\n<p>Unlike traditional credit cards, there is no annual fee to utilize Tide&#8217;s business credit card. This platform helps small business owners manage their team&#8217;s budget, employee spending, and company expenses from anywhere. Additionally, it only uses the funds from your business bank account &#8211; meaning, it doesn&#8217;t offer any line of credit like a traditional business credit card does.<\/p>\n<h3><strong>Pros<\/strong><\/h3>\n<p><b>\u2705 <\/b><span style=\"font-weight: 400;\">Integrates with accountancy software<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Free account available<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Minimises finance admin as most processes are automated<\/span><\/p>\n<h3><strong>Cons<\/strong><\/h3>\n<p><b>\u274c <\/b><span style=\"font-weight: 400;\">You can\u2019t load with another bank account &#8211; it must be a Tide account<br \/>\n<\/span><b>\u274c <\/b><span style=\"font-weight: 400;\">Customer support isn\u2019t available 24\/7<br \/>\n<\/span><b>\u274c <\/b><span style=\"font-weight: 400;\">Users report frequent service outages<\/span><\/p>\n<h3><strong>What Users Say<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Customers like Tide for its rewards and cashback features that are available for some users, based on what plan they are on. However, they get frustrated by the fact that only higher-paying customers can contact support by phone. Tide also uses a lot of third-party agents for their banking and app, and lots of reviews mentioned regular service outages and downtime due to problems with these third parties.<\/span><\/p>\n<h3><strong>Pricing<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a35+VAT per card for up to 50 cards. Transaction fees apply on the Tide Business Account which you must open to load the cards.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\"><strong><a id=\"soldo\"><\/a>3. Wise<\/strong>\u00a0<\/span><b>\u2b50\u2b50\u2b50\u2b50<\/b><\/h2>\n<p><img decoding=\"async\" class=\"alignnone wp-image-164421 size-large\" src=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/18142402\/wise-business-card-1024x501.png\" alt=\"Wise business card\" width=\"1024\" height=\"501\" srcset=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/18142402\/wise-business-card-1024x501.png 1024w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/18142402\/wise-business-card-300x147.png 300w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/18142402\/wise-business-card-768x376.png 768w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/18142402\/wise-business-card-1536x752.png 1536w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/18142402\/wise-business-card-2048x1003.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p data-pm-slice=\"1 1 []\">A solid choice for international businesses that want to avoid high foreign transaction fees. While still wanting the flexibility to spend and manage money in different currencies.<\/p>\n<h3><strong>Overview<\/strong><\/h3>\n<p data-pm-slice=\"1 1 []\">Wise is a prepaid Mastercard business credit card option that allows you to give employees access to company money. Each individual employee can have their own card, either physical or virtual. For businesses that need to spend in different countries, Wise supports over 40 different currencies at the real mid-market exchange rate. A great thing about Wise is that you can set up automatic card top-ups so your team members are never left having to pay out of their own pocket. However, users complain that you can&#8217;t make manual top-ups from the app, meaning it&#8217;s difficult for finance admins to help employees if they&#8217;re away from their desks.<\/p>\n<h3><strong>Pros<\/strong><\/h3>\n<p><b>\u2705 <\/b><span style=\"font-weight: 400;\">Manage all cards in one place<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Integrates with Apple and Google Pay<br \/>\n<\/span><b>\u2705 <\/b>Competitive and transparent currency fees<\/p>\n<h3><strong>Cons<\/strong><\/h3>\n<p><b>\u274c <\/b>Limited cash withdrawal<\/p>\n<p><b><\/b><b>\u274c <\/b>After your first 3 virtual cards, any additional cards come at a fee<\/p>\n<p><b><\/b><b>\u274c <\/b><span style=\"font-weight: 400;\">Reporting is limited<\/span><\/p>\n<h3 data-pm-slice=\"1 1 []\"><strong>What Users Say<\/strong><\/h3>\n<p>Customers like that Wise&#8217;s support team is super efficient and helpful. Their transparency and easy usage is what make it one of the company credit card providers. Although there are some frustrated users who have reported a lack of functionality for the card. In certain countries, it doesn&#8217;t work, and you are forced to rely on your personal credit card or another form of payment.<\/p>\n<p><strong>Pricing<\/strong><\/p>\n<p>Account setup is ~\u00a345\u2013\u20ac50 with no monthly or annual fee; however, there is a top-up fee of about 2% of the amount added to the cards.<\/p>\n<h2><strong><a id=\"pleo\"><\/a>4. Pleo \u2b50\u2b50\u2b50\u2b50<\/strong><\/h2>\n<h2><b><img decoding=\"async\" class=\"alignnone wp-image-119938\" src=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30120808\/fd5b599b-a7ba-4286-ab5c-21d0dd8b64da_hero_11zon-300x217.png\" alt=\"\" width=\"678\" height=\"490\" srcset=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30120808\/fd5b599b-a7ba-4286-ab5c-21d0dd8b64da_hero_11zon-300x217.png 300w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30120808\/fd5b599b-a7ba-4286-ab5c-21d0dd8b64da_hero_11zon-1024x739.png 1024w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30120808\/fd5b599b-a7ba-4286-ab5c-21d0dd8b64da_hero_11zon-768x554.png 768w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30120808\/fd5b599b-a7ba-4286-ab5c-21d0dd8b64da_hero_11zon.png 1200w\" sizes=\"(max-width: 678px) 100vw, 678px\" \/><\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A great option for automating receipt uploads, but the system often lags.<\/span><\/p>\n<h3><strong>Overview<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Pleo is another popular business credit card option. Just like the other options, you can give your employees their own corporate card to use for their allowable expenses. Control spending per item and per person, and gain insight with real-time reports with categories and your own tags. When your team members make purchases online, Pleo can fetch the receipts from emails &#8211; but this doesn\u2019t always work. Finance teams can request information for expenses on the app, and it integrates with most accounting software to reduce admin time.\u00a0<\/span><\/p>\n<h3><strong>Pros<\/strong><\/h3>\n<p><b>\u2705 <\/b><span style=\"font-weight: 400;\">Automatically fetches receipts from emails<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Integrates with most accounting software<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Set spending limits per item and per person<\/span><\/p>\n<h3><strong>Cons<\/strong><\/h3>\n<p><b>\u274c <\/b><span style=\"font-weight: 400;\">App sometimes lags<br \/>\n<\/span><b>\u274c <\/b><span style=\"font-weight: 400;\">More expensive than bank-issued cards<br \/>\n<\/span><b>\u274c <\/b><span style=\"font-weight: 400;\">Cards aren\u2019t always accepted everywhere<\/span><\/p>\n<h3><strong>What Users Say<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Customers like that Pleo takes the hassle out of expense management &#8211; especially when receipts automatically upload from emails. However, some customers said that the system sometimes lags and the automatic receipt fetching doesn\u2019t always work. Users also complained that Pleo cards aren\u2019t always accepted, leaving employees to pay out of pocket anyway. And if you have lots of users, Pleo can get pretty expensive &#8211; especially if you often need to use ATMs, as they charge \u00a34 each time.<\/span><\/p>\n<h3><strong>Need to Know<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">There\u2019s a free plan available for up to 3 users, but most businesses will want a paid account that starts at \u00a339 per month for up to 3 users, with additional users from \u00a311.50 per user per month. There\u2019s also a \u00a34 ATM fee. The cards offer cashback for eligible customers on paid plans.<\/span><\/p>\n<h2><a id=\"spendesk\"><\/a>5. Spendesk \u2b50\u2b50\u2b50\u2b50<\/h2>\n<p><img decoding=\"async\" class=\"wp-image-119941 aligncenter\" src=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125523\/ezgif.com-webp-to-jpg_11zon-300x191.jpg\" alt=\"spendesk platform \" width=\"746\" height=\"475\" srcset=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125523\/ezgif.com-webp-to-jpg_11zon-300x191.jpg 300w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125523\/ezgif.com-webp-to-jpg_11zon-1024x652.jpg 1024w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125523\/ezgif.com-webp-to-jpg_11zon-768x489.jpg 768w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125523\/ezgif.com-webp-to-jpg_11zon-1536x978.jpg 1536w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125523\/ezgif.com-webp-to-jpg_11zon-2048x1304.jpg 2048w\" sizes=\"(max-width: 746px) 100vw, 746px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Ideal for larger teams, but virtual cards can be glitchy and the physical cards aren\u2019t contactless.<\/span><\/p>\n<h3><strong>Overview<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Spendesk offers unlimited virtual and physical business credit cards, and they even offer single-use virtual cards for control and security. Finance teams can track spending as it happens, and they can assign adjustable spending limits and built-in spending policies to ensure that each individual is only spending the allowable amount on the right things. Plus, team members can request top-ups for managers to approve, meaning employees are never left out of pocket.<\/span><\/p>\n<h3><strong>Pros<\/strong><\/h3>\n<p><b>\u2705 <\/b><span style=\"font-weight: 400;\">User-friendly interface for uploading receipts and invoices<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Team members can request top-ups from the mobile app for managers to approve<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Set budgets and rules for spending and where and when cards can be used<\/span><\/p>\n<h3><strong>Cons<\/strong><\/h3>\n<p><b>\u274c <\/b><span style=\"font-weight: 400;\">Virtual cards can be glitchy<br \/>\n<\/span><b>\u274c <\/b><span style=\"font-weight: 400;\">Expensive for small businesses<br \/>\n<\/span><b>\u274c <\/b><span style=\"font-weight: 400;\">Physical cards are not contactless<\/span><\/p>\n<h3><strong>What Users Say<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Customers love Spendesk\u2019s user interface and how much it reduces admin work. It integrates well with Xero and other accounting software, making it easy for finance admins to manage budgets. However, users also complain that the virtual cards can be glitchy &#8211; we saw one example where a customer had a payment pre-approved only for it to be returned as failed a few minutes later. Plus, managers said that the physical cards take a long time to be dispatched and that it\u2019s annoying that they aren\u2019t contactless, although some agreed that it\u2019s better for security this way.<\/span><\/p>\n<h3><strong>Pricing<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Spendesk\u2019s free option includes 4 physical cards and unlimited single-use virtual cards, while their paid plans offer unlimited physical and virtual cards. Each plan includes 100 transactions per month. After that, it\u2019s \u20ac0.75 per extra transaction or \u20ac50 for an extra 100 transactions. You have to contact sales to get pricing for their paid plans.<\/span><\/p>\n<h2><strong><a id=\"equals\"><\/a>6. Equals Money \u2b50\u2b50\u2b50\u2b50<\/strong><\/h2>\n<p><img decoding=\"async\" class=\"alignnone wp-image-119942\" src=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125711\/ezgif.com-webp-to-jpg_11zon-1-300x169.jpg\" alt=\"\" width=\"730\" height=\"411\" srcset=\"https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125711\/ezgif.com-webp-to-jpg_11zon-1-300x169.jpg 300w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125711\/ezgif.com-webp-to-jpg_11zon-1-1024x576.jpg 1024w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125711\/ezgif.com-webp-to-jpg_11zon-1-768x432.jpg 768w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125711\/ezgif.com-webp-to-jpg_11zon-1-1536x864.jpg 1536w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125711\/ezgif.com-webp-to-jpg_11zon-1-688x388.jpg 688w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125711\/ezgif.com-webp-to-jpg_11zon-1-1456x820.jpg 1456w, https:\/\/factorialhr.co.uk\/wp-content\/uploads\/2023\/10\/30125711\/ezgif.com-webp-to-jpg_11zon-1.jpg 1920w\" sizes=\"(max-width: 730px) 100vw, 730px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">A top option for foreign spending, but UX can be clunky and reporting is minimal.<\/span><\/p>\n<h3><strong>Overview<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Equals Money offers prepaid, debit and credit card options, but we\u2019ll focus on the prepaid corporate credit card here. Like the other companies we\u2019ve reviewed, finance admins can approve fund requests and track each employee\u2019s spending in the app. You can customise each card\u2019s permissions based on the level of the employee; for example, you may only want managers to be able to set up subscriptions for services or software but you still want executives to be able to use their cards for meal and travel expenses. Plus, you can set up virtual cards for subscriptions, making them easy to track and cancel when necessary. Equals Money has competitive foreign exchange rates, which is ideal if you have to make a lot of purchases in other currencies.\u00a0<\/span><\/p>\n<h3><strong>Pros<\/strong><\/h3>\n<p><b>\u2705 <\/b><span style=\"font-weight: 400;\">Easy to load funds onto cards<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Competitive foreign exchange rates<br \/>\n<\/span><b>\u2705 <\/b><span style=\"font-weight: 400;\">Great customer service<\/span><\/p>\n<h3><strong>Cons<\/strong><\/h3>\n<p><b>\u274c <\/b><span style=\"font-weight: 400;\">App often times out<br \/>\n<\/span><b>\u274c <\/b><span style=\"font-weight: 400;\">Website UX can be clunky<br \/>\n<\/span><b>\u274c <\/b><span style=\"font-weight: 400;\">Reporting could be improved<\/span><\/p>\n<h3><strong>What Users Say<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Customers like that Equals Money gives their finance teams control over staff spending, and say that their customer services team is great. However, they do mention that there are problems with the app and website. The app times out a lot, meaning that you have to sign in multiple times a day, and the filtering and dropdown boxes don\u2019t work properly on the web app a lot of the time. Plus, users say that reporting could be better and that it\u2019s frustrating that you can\u2019t create a statement from a customised date.\u00a0\u00a0<\/span><\/p>\n<h3><strong>Pricing<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Charities and non-profits can use Equals Money for free but with a \u00a310 fee per physical card. SMEs pay \u00a350 per year with up to 100 physical cards at \u00a310 each. Virtual cards are always free. You can also use the cards for free in 20 major countries, but in every location, there\u2019s a \u00a31 ATM fee. For heavier users, there\u2019s custom pricing available.\u00a0<\/span><\/p>\n<h2><strong><a id=\"final\"><\/a>Final Thoughts<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Now you\u2019ve heard about the top business credit cards in the UK, you should find it easier to make a decision. Consider whether you need a business credit card provider like Factorial, which allows you to tie up all your HR functions in one place, or whether a standalone option might be better for you. It\u2019s worth remembering that some business credit cards can get pricey, and it might be more cost-effective to use a complete HR software that solves all your HR, payroll and finance needs rather than paying extra for another app.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/factorialhr.co.uk\/get-started\"><span style=\"font-weight: 400;\">Try Factorial\u2019s Business Credit Card Feature for free!<\/span><\/a><\/p>\n<blockquote><p><em><span class=\"notion-enable-hover\" data-token-index=\"0\">The information presented on this page is based on publicly available sources and not limited to pleo.io, spendesk.com, equalsmoney.com, soldo.com, tide.co, Capterra public reviews, G2 public reviews, and trustpilot public reviews<\/span><span class=\"notion-enable-hover\" data-token-index=\"2\">. <\/span><span class=\"notion-enable-hover\" data-token-index=\"3\">The comparisons between Factorial and other providers, are intended solely for the illustration of the respective software features, pricing and functionalities. All information regarding features, prices, and integrations may be subject to change without prior notice. Factorial assumes no liability for the accuracy, completeness, or timeliness of the information presented. We recommend contacting the respective providers directly to obtain the most accurate and up-to-date information. All legal regulations regarding spanish fair advertising and competition law are fully observed by us; if you have any concerns, please reach out to us. The comparisons presented do not constitute a final evaluation or recommendation for any provider, but serve solely as an informational source.<\/span><\/em><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Handling expenses can be time-consuming. Keeping track of what your teams are spending, who needs to give you receipts and who needs to be reimbursed takes up valuable time that your finance team could be spending on more important tasks. That&#8217;s where business credit cards come in. Business credit cards, or corporate cards, can take<a href=\"https:\/\/factorialhr.co.uk\/blog\/best-business-credit-cards\/\" class=\"read-more\"> [&#8230;]<\/a><\/p>\n","protected":false},"author":210,"featured_media":119944,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[338],"tags":[],"class_list":["post-119932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-finance"],"acf":{"topics":"expense-management"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.5 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best 6 Business Credit Cards: Review and Comparison | Factorial<\/title>\n<meta name=\"description\" content=\"Discover the highest-ranked business credit card options available on the UK market with the pros and cons of each. 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