The Cashplus Business Credit Card 

No hassle, no hidden fees, just a lifeline when you need it. 

Find out all you need to know about the Cashplus Business Credit Card and how to apply.  

We don’t believe in a one size fits all approach to borrowing money, so we want to take the time to create an offer that matches your needs. While we might not be able to offer you a card straightaway, when we do, you’ll know that we’ve done our best to understand your circumstances first.

Already received an email or letter from us? Start your application now.

Looking for more information on our credit card? Check out our FAQs below.

Not received an offer email or letter from us?

You can still apply for a Cashplus Business Credit Card. Simply fill out our application form and we'll give you an instant decision.



  • Just like any credit card, you can use it to help with the day-to-day running of your limited company and to take control of your business expenses.

    Your card comes with a credit limit which is subject to review from time to time. Just like a typical credit card, you can use it to spend on everyday needs, up to your credit limit.

  • If you've received an offer from us via post, simply follow the prompts to apply online.

    If you’ve received an offer from us via email, follow the personalised link we included in the email. Remember to read and accept the Pre Contract Credit Information and Credit Agreement first.

  • This will depend on factors such as your credit history and financial circumstances. Please note that we’ll perform credit checks before making a decision, which will result in a hard search appearing on your credit record.

  • Before you’re accepted for our credit card, we need to be sure that you can afford to make at least the minimum payment and ensure you know how you’ll pay the remaining balance. We recommend that you always try to pay more than the minimum amount, and try to clear the whole balance as early as possible, to keep interest and charges to a minimum. And please keep in mind, a credit card’s not suitable for long-term borrowing. If you’re looking to buy an expensive item, and repay over a longer period, a loan may be a better option.

  • This is the maximum amount of credit available via your new Cashplus Business Credit Card account.

  • Offers do vary so we’ll confirm the maximum amount in your offer and the exact amount during the sign up process based on the information provided. If you’ve already received your Cashplus Business Credit Card, please see your credit agreement or statement for confirmation of your credit limit.

  • Cashplus is the trading name of our company, Advanced Payment Solutions, the provider of the credit facilities and servicing of your Cashplus card.

    To find out more about Cashplus, you can visit our About Us page.

  • At Cashplus we’re serious about our commitment to responsible lending.

    We strive to be as responsible as possible and try to be completely clear and open about any charges involved with using our credit card. We try to lend only what you can afford and offer a limit that meets both your needs and your ability to manage your repayments. However, you must also borrow responsibly and be honest with us about your income and outgoings. if your circumstances change, please contact us. 

  • You can use the Cashplus Business Credit Card for regular purchases, like paying suppliers, or covering one-off payments that you didn’t budget for. It’s ideal for limited companies that have occasional and short-term cash flow needs, such as start-ups or those new to credit.

  • As long as you make at least the minimum payment on time each month, stay within  your credit limit and use your card in line with your credit agreement, you’ll have access to the credit we offer you. However, we’ll always reserve the right to decrease your credit limit. This will depend on, amongst other things, how you use your card. We also reserve the right to close your account if you breach the terms and conditions or upon notice.

  • You can use your Cashplus Business Credit Card worldwide to make purchases, card payments or cash withdrawals, at over 24 million locations. 

  • You can check your statement and make repayments online in Online Servicing. For any other queries, you can contact Customer Services on 0330 024 0925.

Fees & Charges

  • Offers do vary so please see your credit agreement or offer for pricing details. You can also contact Customer Services for help.

  • APR stands for Annual Percentage Rate. This is a standardised term used to calculate the annual rate of interest, taking into consideration one-off charges that a borrower will pay. Please see your Pre Contract Credit Information or Credit Agreement for your APR.

  • Grace periods will vary and only apply to purchase transactions, where no interest is charged on such transactions as long as the balance is repaid in full by the repayment date. So please see the details of your credit agreement for confirmation.

  • To work out the amount of any fees or interest you’ll need to pay, we divide the year into 12 monthly statement periods. That’s because the number of days in a calendar month changes (e.g. January has 31 days, February has 28-29 days), so the number of days in a monthly statement period varies. You’ll receive your Business Credit Card statement each month in Online Servicing. This will include the amount you need to pay and when the repayment is due.

  • Please see your offer for details, as offers do vary.

  • Yes, there’s an over limit fee of £12.

  • Yes, there’s a late payment fee of £12 if you fail to make at least the minimum payment by its due date. Find out more about fees for late payments under the 'Repaying your Business Credit Card Balance' section of these FAQs.

Signing up for your Business Credit Card

  • For information on how to sign up for a Cashplus Business Credit Card, see 'How do I get a Cashplus Business Credit Card?' above.

  • Once you’ve accepted the Credit Agreement and your account’s been set up, you should receive your card in 3-5 business days.

Repaying your Business Credit Card Balance

  • It’s the smallest amount you’re required to pay after each statement period where you had a balance, to keep your account in good standing. Please see your credit card statement for any minimum amount due.

  • We’ll send you a Credit Card statement by post or make it available to you online in Online Servicing. This will show what you need to pay and when.

    You can make a payment to your account by:

    1. using our online repayment service and by logging into Online Servicing and selecting “Make a repayment”. You’ll be able to make one off payments, as well as save your debit card details to ensure your minimum payment is made automatically, or just to make future payments quicker.
    2. bank transfer, using the Account Number and Sort Code provided on your monthly statement.

    Alternatively please call us on 0330 024 0925s (calls may be recorded) to make a payment by a Debit Card. Please note: the card must be in your own name and registered to your address.

    Please note, We do not accept cheque or cash payments. 

  • Yes, each month we’ll send you a Business Credit Card statement either in the post or online in Online Servicing. This will show:

    • A reminder of your payment due date
    • The total amount spent on your Business Credit Card
    • The minimum payment due
    • A breakdown of any fees or interest
  • It’s a requirement that all UK credit card issuers send these statements to customers. It’s intended to be a quick and easy way to see what type of transactions you’ve made, how much you’ve spent, and any fees and interest you’ve incurred using your Cashplus Business Credit Card over the last 12 months.

    Your annual statement will be produced once a year, in the same month you originally opened your Cashplus Business Credit Card account. Please note, we only send annual statements to customers who’ve used their card, or made some other transaction on their account during the year. (e.g. made a payment)

  • Please check your monthly statement to see your payment due date or contact Customer Services. You’ll receive your Business Credit Card statement either by post or online in Online Servicing.

  • Yes. Please check your credit agreement for details. By not making or being late with your payments you could hurt your credit rating. We’ve made the payments as easy as possible as you only need to pay back the minimum amount requested. If you’re late with your minimum repayment, or fail to make it, we may contact you to talk through your account and assess whether you’re in financial difficulty. Contact us immediately on 0203 059 5784 (calls may be recorded) if you’re having difficulties meeting your payments, or refer to the question below.

    Important: If you’re late with, or miss any repayments, we’re obligated to report this to the credit reference agencies, which could have a negative impact on your personal and business credit rating. We also report positive behaviour, so if at least the minimum repayment amount is consistently made on time, your credit history could improve.

  • If you can’t afford the minimum payment, please contact us immediately on 0203 059 5784 and we’ll try to help you. This may affect your credit rating.

    If you’re experiencing financial difficulty, you may also consider contacting the Citizens Advice Bureau, Money Advice Service or Business Debtline who may be able to help you with free information and confidential advice. Please visit Citizens Advice Bureau or call 08444 111 444Money Advice Service or call 0300 500 5000Business Debtline or call 0800 197 6026. Call charges may apply, so please check their websites for details.

Other Questions

  • Yes, it could improve your personal and business credit rating if you make all your repayments on time. But paying late or missing payments could hurt your rating, as we’re obliged to report negative as well as positive information to credit reference agencies.

  • You can request to find out what information we hold on you by submitting an access request per the Data Protection Act, to: Cashplus, Cottons Centre, Cottons Lane, London, SE1 2QG.

  • The Information Commissioner’s Office (ICO) is an independent UK authority set up to promote openness by public bodies and data privacy for individuals.

  • We’ll report any information about your personal credit behaviour to the credit reference agencies CallCredit, Equifax Ltd and Experian. If you apply for a Cashplus Business Credit Card as a Director on behalf of a limited company, we’ll also report information about your company to Equifax Ltd and Experian. Should you require a copy of your credit reference information held by the credit reference agencies, you can contact them at:

    CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414.

    Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS or call 0800 014 2955 or log on to

    Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to

  • Yes. If you cancel your card within the first 30 days, you’d just need to repay any outstanding balance and usage charges.

  • Absolutely. If you don’t want or need it at this time, simply disregard the offer. If you don’t want to receive further credit card marketing offers, then just let us know by emailing us at [email protected] Please note that you’ll still receive servicing communications from us which may come through a variety of channels including email and SMS.

  • If you haven’t found the information you’re looking for in our FAQs, or you’d like to speak to us about your credit card – please get in touch with us via phone on 0330 024 0925. We’ll be happy to help.

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. For full website terms including information on Cashplus, Mastercard and use of Trademarks, please see our full legal disclosures at **Credit facilities are provided by Advanced Payment Solutions Ltd (APS) and are subject to the AFL Cashplus e-money account being in good standing and applicants aged 18+. APS is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Registration No. 671140). ♦Calls to 03 numbers cost no more than a national rate call to a 01 or 02 number and will count towards inclusive minutes in the same way as 01 and 02 calls. Calls may be recorded.