Business credit card for international travel

Russinating · 15 Mar 2016 at 11:32

We're going to be doing a lot of travelling soon. I have a Halifax Clarity Card but that's against me personally and ideally we'd need a business card that's paid off from our business account.

At first glance the Clarity card doesn't look like it has a business option and they're just applied for personally.

Am I missing their business section or is there an alternative business card with low/no forex charges? Ideally we would need 3/4 supplementary cards on the same account (preferably) too.

Jono · 15 Mar 2016 at 11:43

We used to use a Barclaycard Corporate one. It was great until they blocked it 10 days into my 2 week trip because I bought something from a Toys 'R' Us over there... after spending several thousand pounds on it on flights, car hire, petril, hotels, food etc all over California.

I don't know about business cards but the Post office Mastercard thing has/had a zero fee on foreign transactions.

a1ex2001 · 15 Mar 2016 at 12:09

Any reason not to just use the personal one (or a separate personal one) and just pay it off through the business?

Russinating · 15 Mar 2016 at 12:15

a1ex2001 said:
Any reason not to just use the personal one (or a separate personal one) and just pay it off through the business?

Mainly that we would need 3/4 for different employees and I don't want to be doing that on my own personal credit card. Applying for them all separately isn't really an option as our newest employee may get declined and it's not really fair to be applying for business credit against someone's personal credit rating anyway.

It would be advantageous to have all cards bill to the same account, too.

a1ex2001 · 15 Mar 2016 at 12:17

Russinating said:
Mainly that we would need 3/4 for different employees and I don't want to be doing that on my own personal credit card. Applying for them all separately isn't really an option as our newest employee may get declined and it's not really fair to be applying for business credit against someone's personal credit rating anyway.

It would be advantageous to have all cards bill to the same account, too.

Who does you business banking maybe worth giving them a call?

Housey · 15 Mar 2016 at 12:20

I have a corporate AMEX and never had issues using it anywhere yet.

Russinating · 15 Mar 2016 at 12:20

a1ex2001 said:
Who does you business banking maybe worth giving them a call?

Barclays, and they don't do a no forex fee card. Also the fact that they have the Barclays & Barclaycard split makes it no easier to apply to them than a completely different provider.

Housey said:
I have a corporate AMEX and never had issues using it anywhere yet.

I'm a personal Amex customer and rate them too but they don't do a no forex fee card either. Also with business usage places not accepting Amex becomes a real issue; it's not like you can swap to another card like personal accounts, and if we have another business Visa/Mastercard then we may as well just use that all the time anyway! Don't want to be splitting costs across two cards really.

POB · 15 Mar 2016 at 12:27

Metro Bank Business is Free in Europe and 1.90% WorldWide.

But might require a current account.

Russinating · 15 Mar 2016 at 12:29

POB said:
Metro Bank Business is Free in Europe and 1.90% WorldWide.

But might require a current account.

Thanks, is that just a bank account? Looks like it in which case no good either

.

POB · 15 Mar 2016 at 12:33

Russinating said:
Thanks, is that just a bank account? Looks like it in which case no good either .

It is a credit card:

https://www.metrobankonline.co.uk/Commercial/Borrowing/Credit-Card/

But requires a Metro Bank business current account to be eligible to have it.

Russinating · 15 Mar 2016 at 12:33

Ah, no can do

.

sanaxe1 · 15 Mar 2016 at 12:43

Russinating said:
We're going to be doing a lot of travelling soon. I have a Halifax Clarity Card but that's against me personally and ideally we'd need a business card that's paid off from our business account.

At first glance the Clarity card doesn't look like it has a business option and they're just applied for personally.

Am I missing their business section or is there an alternative business card with low/no forex charges? Ideally we would need 3/4 supplementary cards on the same account (preferably) too.

Cant you just get a supercard and connect your business cards to that?

Russinating · 15 Mar 2016 at 12:50

Closes in June no? Otherwise yes

.

Scam · 15 Mar 2016 at 14:05

I'd imagine most people on here are just given a business card without any real knowledge of the decision-making behind going with a certain bank or card provider? Surely you'd be better off speaking with your finance people or actually going into a bank and asking what deals they do :confused:

Personally I have a Citigroup Mastercard for work but I wouldn't know why that was chosen :confused:

Adam · 15 Mar 2016 at 14:37

I have an AMEX corporate card but use my personal AMEX card for my expenses so I get the cashback.

Russinating · 15 Mar 2016 at 14:50

Scam said:
I'd imagine most people on here are just given a business card without any real knowledge of the decision-making behind going with a certain bank or card provider? Surely you'd be better off speaking with your finance people or actually going into a bank and asking what deals they do Personally I have a Citigroup Mastercard for work but I wouldn't know why that was chosen

That's a bit of a blanket assumption, there's loads of business owners and decision makers on here, and as with all 'spec me' threads you'll often get recommended things you wouldn't have otherwise found or realised. Metro Bank for example doesn't show up on any comparison sites I've seen.

tom_e · 15 Mar 2016 at 15:03

Do no forex charge business ccs even exist?

Business travellers are more likely to use them a lot abroad and therefore they'll be a nice little money maker for the bank.

tom_e · 15 Mar 2016 at 15:06

Moses said:
You could get three additional cards with your Halifax Clarity card... that'd seem like quite a sensible option.

Tying your own personal finances to your business employees doesn't seem like a very sensible option to me.

Russinating · 15 Mar 2016 at 15:16

tom_e said:
Do no forex charge business ccs even exist?

Business travellers are more likely to use them a lot abroad and therefore they'll be a nice little money maker for the bank.

Perhaps not. One dull spreadsheet later and seems all the business cc's are pretty identical - £32 per card and 2.95-2.99% forex fees. Only slight difference is Amex which charge a fee per account, not card, but their forex fees are still 2.99% and not accepted everywhere.

BDEE · 15 Mar 2016 at 17:10

Russinating said:
Barclays, and they don't do a no forex fee card. Also the fact that they have the Barclays & Barclaycard split makes it no easier to apply to them than a completely different provider.

They are not split.

Bears no relevance really but just thought I would point that out