Business charge card

Team spending power, paid off in full every month.

Spending power for your team. Suits a business that pays its card spend in full each cycle and wants to keep cash in the account for longer.

You don’t pay to compare.

No credit file impact · No cost to compare · No obligation

Business charge card at a glance

Amount: Set by the provider, based on your turnover
Term: No fixed term; paid in full each billing cycle
Security: Typically unsecured, with no property security
Time to funds: Varies by provider
How you pay: In full each cycle, with no revolving interest

Indicative, and subject to lender assessment. Your options are typically ready within 24 hours of receiving your documents.

Is it right for you?

When a charge card fits, and when it doesn’t.

Often fits

Team spending, with sub-cards and individual limits
You pay the balance in full each cycle
You want to keep cash in the account for longer
Real-time notifications, receipt capture and accounting integration

Usually not

Carrying a balance over time, where a line of credit may fit
Payroll, rent or other payments a card can’t make, where a line of credit may fit

Business funding, compared on real data, in three steps.

How It Works

Compared

Trade Funding or one bank’s corporate card?

Trade Funding or one bank’s corporate card
	Trade Funding	One bank
Time to options	Options typically within 24 hours of receiving your documents	Set by one bank’s own process
Provider access	Multiple providers compared side by side	Single provider only
Fees	Fees shown before you commit	Checked one card at a time

What it costs

How you pay, and what it costs.

Interest: None when you pay the balance in full each cycle
Fees: Each provider’s fees are in your report before you choose
Float: Card spend stays in your account until the balance is due

Who qualifies

What providers look for.

Typical criteria, and subject to lender assessment.

ABN: An active ABN
Trading history: At least 6 months, for most providers
Revenue: From around $5,000 a month; better fees and higher limits above $100,000 a year
The director: The director’s personal credit is also assessed

Float calculator

Estimate your working capital float.

You pay a charge card’s balance at the end of the cycle, so the cash you spend on it stays in your account for longer. Adjust your monthly card spend, payment term, and rewards rate to see the float and rewards this could generate.

Results are approximate. Not an offer of credit.

Monthly card spend$80,000

$5k$500k

Payment terms

Rewards rate (% cashback)1.5%

Working capital float: $160,000
Annual card spend: $960,000
Annual rewards earned: $14,400

Illustrative only. Working capital float is your monthly spend scaled to the payment term (spend × term ÷ 30 days). Actual float, fees, and rewards depend on the provider and your spending pattern. Your Compare Report shows the real terms each provider offers your business.

Questions about charge cards.

What is the difference between a charge card and a credit card?

A charge card requires you to pay the full balance each billing cycle, while a credit card allows you to carry a balance and pay interest. Charge cards give you float with no interest, but no option to revolve debt, which suits businesses that want working capital flexibility without the cost of carrying a balance.

What credit limits are available on business charge cards?

Limits depend on the provider and on your revenue, trading history and the director’s personal credit profile. Your Compare Report shows what each provider offers based on your revenue and credit profile.

How is a charge card different from a line of credit?

A line of credit transfers cash to your bank account for any business purpose, including payroll, rent, and supplier payments, and charges interest on the drawn balance. A charge card is a payment instrument for purchases only, must typically be paid in full each cycle, and carries no ongoing interest when paid on time.

Can I use a charge card for expense management?

Yes. Many business charge cards include employee sub-cards with individual spending limits, real-time transaction notifications, receipt capture, and accounting software integration, making them a common choice for teams that need shared spending control.

How do we get paid?

Comparing costs you nothing. Not comparing can cost you plenty.

The headline rate rarely tells the whole story. Fees, charges and loan terms can add far more to what you repay. That’s why your Compare Report shows every cost we can identify side by side.

In most cases, the lender pays us, and only if you decide to proceed with their product offer. For more complex deals, or where the lender pays us little or nothing, we may charge a fee for our service. It doesn’t happen often, but when it does, it’s shown on your Compare Report and we’ll walk you through it before you decide.

No obligation to proceed, ever.

How We’re Paid →

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