Barclaycard Small Business Credit Card

About Barclaycard Small Business credit card...

The Barclaycard Small Business credit card has been built with such a ream of business services you'll wonder how you ever managed without one.

On the card payment side of this card, you'll get free insurances on almost all of your business purchases. Cover includes purchase protection - which covers items when you first buy them against accidental damage, theft or loss. You'll also get a free extended warranty on most items too, which will be added to the manufacturer's warranty for an extra 12 months of cover against mechanical or electrical breakdown faults.

On the money side of this card, you'll get cover and insurances against fraudulent use of the card, including misuse by employee cardholders.

For any business trips you may need to make, you'll want to keep your Barclaycard handy too, offering up 'BTI UK Direct' - a business travel booking service, that's cost effective and will save you time.

The Barclaycard Small Business credit card will help to keep your finances simple and manageable, with a convenient and cost effective payment solution, that also lets you stay in control of your company and employee expenditure.

Apply Online for Barclaycard Small Business credit card

Interest Rates and Fees
		Notes..
Typical APR	18.8% APR (variable)	The typical APR is the rate most people are offered.
Cash Withdrawal Rate	14.2% p.a. (variable)	This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money.
Cash Withdrawal Fee	2% (£2 minimum)	When you use your credit card to get cash you will be charged a 'handling fee' for doing so.
Annual Fee	£32	-
Foreign Transaction Fee	2.75%	This is fee you will be charged for credit card transactions made abroad.

Rewards
		Notes..
Business Discounts	Discounts on business purchases with Ryman Office Supplies, Kwik Fit, CitySprint Couriers, Reed Training, Redstone telecom, and the AA.	-

Cardholder Services & Extras
		Notes..
Online Account Management	No	You will receive a detailed monthly statement, that summarises your overall expenditure and itemises individual cardholder spending.
Purchase Protection	Up to £2,500 per item	Purchases made with this card will be protection against accidental damage, loss or theft for the first 90 days, of £2,500 any one item, for £5,000 any one occurrence and for an aggregate up to £10,000.
Extended Warranty	Second year's warranty on purchases made with this card	Purchases of over £50 paid in full with this card will receive an additional 12 months warranty, added to the manufacturer's warranty (up to a maximum of 24 months). Each item will be covered up to £2,500, each claim is limited to £5,000 with a maximum claim limit in any one year of £10,000.
Online Fraud Guarantee	Barclaycard will continually monitor your account to protect you from fraud, if an unauthorised transaction does take place your business won't be held liable.	-
Cardholder Misuse Insurance	Cover against one of your cardholders misusing their Barclaycard business card.	Cover for up to £15,000 per cardholder and up to £1,000,000 each year for your business as a whole.
BTI UK Direct	Business travel booking service	-
Travel Accident Insurance	Up to £100,000 each for 4 people	Pay for the full trip with this card and you'll get travel accident insurance for the cardholder and 3 other people of up to £100,000 each.
Other Extras	Barclaycard secure	-
Optional Extras	Card Protection Plan - discounted rates	-

Payments & Payment Details
		Notes..
Credit Limit	£250 minimum	Credit limit may vary from person to person and is subject to status.
Interest Free Period	Up to 56 days	For purchases if you pay your balance in full and on time. There is no interest free period on cash withdrawals.
Minimum Monthly Payment	5% (£5 minimum)	The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero).
Allocation of Payments	Interest, Fees, Cash Withdrawals and Purchases in equal amounts	When you make a payment to this card they will be applied to charges / balances in this order.
Default Charges	£25	This is how much you will be charged for late payments, returned payments and if you go over your credit limit.
Copy of Statement Fee	£2	This is the fee you will be charged for duplicate statements.

Card Details
		Notes..
Online Application	Yes	-
Card Type	Classic	-
Payment Company	Visa	This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'Visa' logo will accept this card.
Card Issuer	Barclays Bank	This is the bank behind your credit card.
Card Advertiser	Barclaycard Business	This is the company who advertises and promotes this credit card.