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Business credit card

Stay in control of business expenses

Want to spend more time thinking about growing your business and less time worrying about your cash flow? The Clydesdale Bank Mastercard® Business Credit Card could help you manage your business finances more effectively.

Terms and Conditions apply. All facilities are subject to status and applicants must be aged 18 or over.

Representative example
Rate of interest 16.9% pa (variable) Total amount of credit £1200 Representative 22.4% APR (variable)

Benefits
  • Up to 59 days' interest free credit on purchases*
  • Anti-fraud technology, chip and PIN cards, and Mastercard® Identity Check™ as standard make it a secure way to manage cash flow
  • View reports online and help protect your business from fraud
  • No annual fee to pay for the first year**

*Maximum 59 days for purchases if you pay your balance in full and on time. There is no interest free period on cash advances

**Other fees may apply such as an over limit fee, late payment fee, non-sterling transaction fee and cash fee. These are detailed in the business credit card terms and conditions – available from your relationship manager

  • Automatically receive special discounts at a range of participating retailers with the Mastercard Business Savings™ scheme. Terms and conditions apply. Full details of the programme and the participants are available at Mastercard Business Savings.
  • Use your iPhone, iPad or Apple Watch to make payments from your Business Credit Card in-store or online. Visit our Apple Pay page for more details

A business current account must be held with us throughout the term of the business credit card Agreement.

SmartData

Keep up to date with accounting information and stay in control of your expenses. SmartData, an online accounting system, comes as standard with your Mastercard Business Credit Card. Features include:

  • Online access to card spending data for every employee
  • Tracking and reporting of detailed card spending, including transaction information, account summaries and other vital information
  • Set individualised alerts to help manage card expenditure
  • Record keeping for tax time with yearly reports
  • Data and reporting delivered directly to your personal computer without complicated desktop software
  • Online user guides to assist with every feature.

How to log in

Important information

SUMMARY BOX - Clydesdale Bank Mastercard Business Card

The information contained in the table below summarises key product features and is not intended to replace any terms and conditions.

Representative 22.4% APR Variable
Other Interest Rates Monthly Rate Effective Annual Rate
Purchases 1.313% 16.9%
Cash Advances 2.075% 27.9%
Interest-Free Period – Maximum 59 days for purchases if you pay your balance in full and on time
– There is no interest-free period on cash advances
Interest
Charging
Information
You will not pay interest on new purchases if you pay your balance in full and on time. Otherwise, the period over which interest is charged is as follows:
 
  From Until
Purchases Date debited to your account Repaid in full
Cash advances Date debited to your account Repaid in full*
*If you pay the balance in full, the interest charge for the period from the previous statement to the date of full payment will be debited the following month. If you default in the introductory period you will lose the benefit of any Introductory Rate and your account will incur interest at the Monthly / Annual Rate for the relevant balance. For further details please refer to your credit card terms and conditions.
Allocation of Payments If you do not repay the entire balance on your account we will apply the amount you pay to the outstanding balance starting with those items to which the highest rate applies. For further details please refer to your credit card terms and conditions.
Minimum Repayment Each month you must pay at least the minimum payment set out in your statement by the payment date shown. This will be an amount equal to the greater of:
  • a) All interest, default fees and annual fees added to your account that month plus 1% of the remaining balance
  • or
  • b) £5 (or the statement balance if it is less than £5)
You must pay by the payment date shown on your statement (25 to 28 days after the statement date). Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more.
Amount of Credit Minimum credit limit of £500, maximum credit limit subject to status.
Fees An annual fee will be charged to your Account for each Card issued, but this fee will not be charged for the first 12 months after a Card is issued – £28
Charges Cash advances – Cash Fee 3% (minimum £3.00)
Copies of Statements or Vouchers – £5
Foreign Usage Payment Scheme Exchange Rate Rates can be found at https://www.mastercard.com/global/currencyconversion/index.html
One or more of the following may apply: Non-Sterling Transaction Fee - 2.95%
Cash Fee - 3% (minimum £3.00)
Default Charges Late payment or Over limit fees –  £12

Information correct as at 18th January 2018

ILLUSTRATIVE EXAMPLE – Clydesdale Bank Mastercard Business Card

You spend £1,000 on 1st January, make no other transactions and only have one card on the account. The following example highlights the difference between only paying the minimum and a fixed amount each month on your Credit Card
Monthly Payment Minimum Payment each month £50 each month
Without taking into account any introductory rates, how much interest will you be charged in the first year ? £135.05 £112.30
How much interest will you be charged in the second year ? £131.17 £50.89
How long would it take to clear the balance ? 18 years & 5 months 2 years & 0 months

Please note, the above example assumes the following:

–  Representative 22.4% APR Variable. It excludes introductory rates
–  The transaction takes place on 1st January and you make no further transactions
–  Your statement is produced on the 1st of each month
–  You always make a payment on the due date
–  You only have one card on the account

Useful telephone numbers

–  Business Card Helpdesk - 0800 678 3370
–  Forgotten your PIN? - 0800 678 3370
–  Lost or stolen cards (24 hours) - 0800 678 3370
 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Business enquiries

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Call us on
0800 032 3971

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New customers

Start your business current account application process online.

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Existing business credit card customers

Forgotten your pin? Need to replace a lost or stolen card? If you’ve got any questions about your account or you’d like to discuss your requirements with our business team, get in touch.

Call us on
0800 678 3370

Lines open 24 hours

 

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