Fees

We offer two types of Barclaycard Business card accounts - a credit card account and a charge card account. Both are available in standard, silver or gold card options. This allows you the flexibility to choose the card that works best for you and your business.

	Credit card	Charge card
	Complete flexibility	Total peace of mind
Key Features	Choose to pay as little as £5 or 5% of the balance, whichever is the greater	Seven days after you receive your statement a single direct debit clears all your outstanding balance
Annual Fee	£32 pa for standard credit card	£32 pa for silver charge card
	£78 pa for gold credit card	£78 pa for gold charge card

Card fees

	Credit card standard	Credit card gold	Charge card silver	Charge card gold
Cash Withdrawals You can use the standard or gold business card to withdraw cash in the local currency from ATMs world-wide.
Maximum daily withdrawal (subject to cash limit)	£500	£500	£300	£300
Handling fee*	3% (min £3)	3% (min £3)	3% (min £3)	3% (min £3)
Foreign Exchange Fee**	2.99%	2.99%	2.99%	2.99%
Interest Charges
Interest-free credit	up to 56 days	up to 56 days	With the corporate card you can usually get up to 38 days interest free credit at the end of which the balance will be settled in full (see Bill Payment). If you miss your payment date interest is charged at 2% per month, calculated daily from the statement date until the balance (including any charges) is repaid in full.
APR	19.9% typical (variable)	26.9% typical (variable)	-	-
Annual interest rate for retail transactions	15.2% p.a. (variable)	15.2% p.a. (variable)	-	-
Annual interest rate for cash transactions	26.9% p.a. (variable)	26.9% p.a. (variable)	-	-
Bill Payment
	A minimum of 5% or £5 (whichever is the greater) per cardholder balance is required within 25 days of the date of your statement.		The total balance for all cardholders is usually settled in full within 7 days of the date of your statement by direct debit (providing you with an interest-free credit of up to 38 days).
Default Charges We will charge you for any reasonable costs or losses we incur if you break your agreement, including the following charges:
Late payment	£25 per month		£25 per month
Returned payment	£25 per month		£25 per month
Exceeding limit	£25 per month		£25 per month
Additional Document
Regular statements to the company and cardholders	Free		Free
Copies of previous statements	£3 per sheet		£3 per sheet
Copy of a transaction receipt	£5 (unless you are disputing a transaction that is found in your favour, in which case the fee will be refunded)		£5 (unless you are disputing a transaction that is found in your favour, in which case the fee will be refunded)

* Overseas cash withdrawals will be subject to both handling and foreign exchange commissions.

** Foreign exchange fees apply to all transactions made in a foreign currency.