Metro Bank business credit card: fees, limits and how to apply

If you have an existing Metro Bank business or commercial current account, you can apply for its business credit card. It's free to use in most of Europe, with a 18.9% APR representative (variable).

We explore what's included with the credit card, the benefits offered, the costs to expect, and when other cards might better suit your company.

Details included in this article were checked against Metro's card page and its Important Information Summary on 12 October 2026. Metro Bank can change its terms, so confirm them with Metro before you apply.

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What is the Metro Bank business credit card and who is it for?

Metro Bank's business credit card is a simple, no-frills Mastercard credit card for everyday business expenses. It's available to UK-based companies with existing business accounts with the bank, and enables fee-free transactions across Europe.

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Metro Bank business credit card features: the fees, rates and limits

The Metro Bank business credit card has no annual fee and purchases and cash withdrawals are free in most European countries. Outside of Europe, you pay a 2.99% fee for expenditure, plus £1.50 on cash.

While Metro offers a 56-day interest-free period on purchases (if you clear the balance in full, on time), interest is charged on cash withdrawals from day one.

Here's an overview of the key card features, including limits, interest rates and fees applied:

*"Europe" means the countries in the Single Euro Payments Area that Metro lists. That includes non-EU countries such as Norway, Switzerland and Iceland.

What does all that mean in practice? The Metro Bank business credit card suits companies that buy from European suppliers and make regular transactions across Europe. It's also ideal for those who often clear their balance in full each month and on time, and want to keep costs to a minimum, without seeking cashback or other perks.

If you'd like to see other cards with no annual fee, there are several on the market to explore.

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Who can get the Metro Bank business credit card?

You need to bank with Metro Bank, be 18 or over and pass Metro's status check to apply for its business credit card. Metro doesn't publish turnover or trading-time rules for the card, and its summary doesn't mention a personal guarantee, so ask the bank whether you need to provide one before you apply.

What Metro's documents say:

• Account: you need a Metro Bank Business Current Account or Commercial Current Account.
• Age and status: you must be 18 or over, and the card is "subject to status".
• Team cards: you can link up to nine nominated cardholders to the account.
• Credit limit: Metro sets its credit card limit for each individual company, from £500 upwards.

A clean credit record helps with any card application. It's worth taking time to build your company's credit history before you apply.

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How to apply for a Metro Bank business credit card

You can't apply for the business credit card via Metro Bank's website. If you don't already hold a Metro business or commercial current account, then need to open one. Then, you can apply for a credit card in a Metro Bank branch with a Local Business Manager.

Commercial customers can apply through their Relationship Manager or Local Director.

Here's a summary of the key steps to applying for a Metro Bank business credit card:

1. Open a Metro business account if you don't have one. Metro's Business Bank Account is for businesses with up to £2m turnover a year. Larger companies use the Commercial Current Account.
2. Go into one of Metro's stores. You can use Metro's store locator to see your local team. Your Local Business Manager will take your credit card application.
3. Wait for Metro's status check. Metro doesn't publish how long a decision takes, so ask the team in store.

If you don't bank with Metro, opening an account is a bigger step than getting a card. That's worth weighing up before you start.

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Metro Bank vs the iwoca Credit Card

While Metro's business credit card is likely to be cheaper if you carry a balance from month to month, the iwoca Credit Card can work out more beneficial if you clear your balance each month, want cashback on your regular expenses or spend outside Europe, and don't want to open a new bank account.

The iwoca Credit Card is for UK limited companies.

With the iwoca Credit Card, you apply online in five minutes and get a decision without affecting your personal credit score, because we run a soft search. We do ask for a personal guarantee. That means if your company can't make the repayments, the guarantor becomes personally responsible for the outstanding balance.

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Is the Metro Bank business credit card right for your company?

Metro's business credit card can be a good fit for existing customers who want a straightforward card option, fee-free spend in Europe and in-branch support. If you bank elsewhere or want various rewards, compare other cards on the market.

Metro's card is likely to suit you if:

• your company already has a Metro business or commercial current account
• you sometimes carry a balance, so a lower APR matters more than rewards
• you or your team spend in Europe or buy from European suppliers
• you need to withdraw cash now and then
• you'd rather sort things out face to face in a store

It's worth looking at alternative credit card options if:

• you bank elsewhere and don't want to move your account
• you clear the balance every month, so cashback is worth more than a lower rate
• you often pay suppliers outside Europe
• you want to apply online

If you want to see more options side by side, compare other business credit cards. And if a cost is too big for a card, a Flexi-Loan is a business loan with flexible repayment options. You can borrow from £1,000 to £1 million over terms of up to five years, with no early repayment fees, and get a decision within 24 hours. Every new Flexi-Loan needs a personal guarantee from at least one director.

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Frequently asked questions

Does Metro Bank offer a business credit card?

Metro Bank still sells one business credit card, a Mastercard, for companies that hold a Metro Bank business or commercial current account. Metro withdrew its personal credit card in 2024, so the business card is the only credit card it sells.

Personal cardholders haven't been able to make new purchases since 10 September 2024, according to Metro. If you searched for 'Metro Bank credit card' to use for your company, the business card covered above is the one to look at.

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Does Section 75 cover a Metro Bank business credit card?

Section 75 generally doesn't cover a Metro Bank business credit card held by a limited company. Section 75 of the Consumer Credit Act 1974 protects consumer credit, and a company's card isn't a consumer agreement. Mastercard's chargeback scheme may still help if a supplier doesn't deliver.

Metro publishes separate terms for regulated and non-regulated business card agreements, so check which one you've signed. MoneyHelper explains how chargeback works. The same applies to the iwoca Credit Card: it's for businesses, so Section 75 doesn't apply.

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Does Metro Bank charge late payment fees on the card?

Metro states that there are no default charges. Interest still runs on any balance you don't clear in full and on time, and missed payments can affect your company's credit file.

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How do I manage and pay my Metro Bank business credit card?

Through Metro's online banking or mobile app. You can pay by Direct Debit or make manual payments, and Metro emails you when each monthly statement is ready to view online.