Business Credit Card

Cash flow to support your business.

Pay no transaction fees. Flexible cash flow. 24/7 fraud protection – save time and money with our Business Credit Card.

Apply for a business credit card

Why choose us for a business credit card?

No transaction fees

Pay no transactions on Euro purchases for goods or services saving you on Bank fees. Cross-border handling fees apply to non-Euro transactions.

Interest free credit

Manage your cash flow with up to 37 days’ interest-free credit on purchases. You must pay the full balance monthly by direct debit.

Comprehensive travel insurance

You and up to 3 colleagues are covered for 90 days of any journey when you pay for at least 50% of your fare with your credit card.

Protect your business

24/7 fraud protection. Stay protected from employee misuse with our Card liability waiver insurance.


What do I need to apply?

To be eligible to apply online, you must be:

  • Aged 18 and over
  • Have a Bank of Ireland business current account
  • Resident in the Republic of Ireland

If approved, we will ask you to provide:

  • Valid photo identification
  • A selfie with the valid photo identification

Sole Trader, Partnerships and Limited Companies

Apply online for up to 5 cards, with a combined limit of up to €120,000.

Apply for a business credit card

If you’re a Company Limited by Guarantee, School, Church, Charity or Unincorporated Organisation or need more than 5 cards please arrange a meeting with one of our business advisors.

Find out more



What is a business credit card?

A business credit card is an expense management tool providing you with flexible access to cash flow allowing you to:

  • Separate business and personal expenses, make expense reconciliation quicker.
  • Set individual limits per card and track monthly spend with detailed statements.

You can choose from a range of statement dates. The full statement balance will debit your business current account by direct debit 7 working days after your statement date.


Frequently Asked Questions


  • How can a business credit card help manage cash flow?

    A business credit card provides up to 37 days interest free credit on purchases.

    Pay in full each month by direct debit and you can avoid paying interest charges.

  • What is the difference between a personal and a business credit card?

    A key difference is that a business credit card must be repaid by direct debt and in full each month. Unlike a personal credit card, there is no option to pay less than 100% of the outstanding balance each month.

    A business credit card is solely for business and business related expenses, under the terms and conditions of the card it cannot be used for personal purposes.

    A business credit card must also be connected to a business current account i.e. if you have only a personal current account you cannot apply for a business credit card.

  • Will a business credit card affect my personal credit score?

    If you are a business owner with a business credit card this may impact your personal credit score if you do not keep payments up to date.

    The limit and performance of a business credit card is reported on the business, not the employee who has the card.

  • How do I qualify for a business credit card?

    To apply for a business credit card you must have a Bank of Ireland current account.

    Each new business credit card is subject to credit assessment. There should be sufficient turnover and repayment capacity for your business credit.

    Lending criteria and terms and conditions apply.


FeatureStandardGold
Annual Fee€31.00€120.00
InsuranceComprehensive travel insurance for you and up to 3 colleagues when booking using the cardComprehensive travel insurance for you and up to 3 colleagues when booking using the card
Aer Lingus travel perks
Best ForEveryday business spendingFrequent travellers
Interest rates (for purchases)17.39% Variable17.39% Variable
Interest rates (for cash)17.39% Variable17.39% Variable
Cross Border Handling Fee

– Transactions in euro within the EU and certain non – EU countries to which the relevant EU regulations apply

– All other transactions		-No charge

-2.25% of value of transactions		-No charge

-2.25% of value of transactions
Cash Advance Fee1.5% of value of transaction (min €2.54)1.5% of value of transaction (min €2.54)
Returned Payment Charge€3.17 per unpaid item€3.17 per unpaid item

Help & Support

Need help and support? Read our frequently asked questions to find an answer.

Visit our Help Centre