HSBC Commercial Card Empowers UK Business Spending

Handle daily business costs without the paperwork or the usual headaches.

CREDIT CARD

Moss Corporate

Earning Rewards High Credit Limits

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Managing costs with the HSBC Commercial Card makes everyday business spending smoother — no fuss, no stress. Whether you’re covering software subscriptions, paying suppliers, or booking last-minute trains, having one card designed specifically for UK businesses gives you the flexibility you need, and the control you’ve probably been craving.

The HSBC Commercial Card isn’t just another credit option — it’s a tool that gives you space to breathe. Want to assign cards to staff and still keep tabs on their spending? Easy. Need to block cash withdrawals or limit online shopping? You’re covered. And the best part? You can do it all from your mobile.

What the HSBC Commercial Card actually is

This card is designed for UK businesses of all sizes — especially those that are scaling up or juggling regular operating costs. It’s available to HSBC UK business current account holders and offers flexible credit starting at £500. If you pay in full on time, you get up to 56 days without any interest.

The standard purchase rate is 15.9% per annum, with a representative 22% APR (variable). In your first year? No annual fee. From year two onward, it’s £32 per card.

Reasons people are switching to this card

If you’re tired of the same old clunky finance tools, here’s why this one hits differently:

• No fee for the first 12 months
• Assign cards to staff, each with limits
• Interest-free period of up to 56 days
• Fully digital wallet support (Google/Samsung Pay)
• Real-time controls via HSBC Business Banking app

Comparison: HSBC vs other business cards

How Tom keeps it simple

Tom runs a craft beer brand in Bristol. Before switching, he used his personal credit card and spent hours sorting reimbursements. Now, his sales manager and events lead each have their own card, with limits he set himself. He checks it all over coffee, on his phone. No paper, no drama.

Who this card is for

Any business spending money regularly — on gear, fuel, staff expenses, or stock — can benefit from it. Whether you’re solo or leading a team, it keeps things cleaner and simpler.

Should you apply?

If you want more control without the overhead, the HSBC Commercial Card makes a solid case. It gives you time to pay, lets you manage staff spending with ease, and removes the usual admin pain.

Ready to stop chasing receipts? Start here and make business easier.