Business Rewards Calculator
Estimate the cashback (or points equivalent) you'd earn from a UK business credit card based on your typical monthly spend.
Last updated: 21 May 2026By Business Reward Toolkit Editorial TeamReviewed for UK small businesses
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Short answer
At £5,000/month spend and a 1% reward rate, you'd earn roughly £600 per year. After a £0 annual fee, your net return is £600.
What this means
- Annual reward (gross): £600
- Annual fee: £0
- Net annual return: £600
Rewards reality
Rewards are only valuable if they are not outweighed by fees, interest, repayment costs or unnecessary spending. Do not spend more just to earn points or cashback.
Capital on Tap offer
7,500 free reward points with promo code SETTINGUP
Apply for the Capital on Tap business credit card and make your first card transaction within the qualifying period.
Terms, eligibility and fees apply. See full offer details.
BRT
Business Reward Toolkit Editorial Team
Editorial
Our editors research UK business banking, credit cards, expense tools and rewards schemes. We test products, read provider terms in full, and update guides as offers change.
- 10+ years writing about UK small-business finance
- Independently funded by clearly labelled affiliate links