01
Earn on every pound
1 point per £1 on company-card spend, with no cap and no category hoops.
Business only · Ltd, LLP & PLC
Everyday business spend, paid back at 1%.
Credit limits up to £250,000. Uncapped cashback on company cards. No annual fee. A decision in two minutes.
- 1%
- Uncapped cashback
- £250k
- Maximum limit
- £0
- Annual fee
Strictly a business card. Sole traders, personal use and unincorporated partnerships are not eligible. The company must be active at Companies House.
Cashback
Uncapped rewards on the spend that already happens.
02
Take it as cashback
Turn points into cash against the balance, or have the cash sent to the business bank account.
03
Or spend them elsewhere
Gift cards from everyday retailers, or convert points into airline and hotel rewards.
Save money
1% back on every company card. No ceiling.
Issue as many cards as the team needs. The cashback can offset the cost of taking payments. Drag the monthly spend to see a year of 1%.
£960
illustrative cashback over 12 months, uncapped
£250k
Maximum credit limit
Room to buy stock, cover payroll, and pay the supplier who will not wait.
Spend and repay in full each month and the business credit file has something to show for it. A stronger file is what opens the next facility. The limit you are offered depends on turnover and history — £250,000 is the ceiling, not a promise.
Illustrative rates from 14.13% APR (variable). Pay in full and on time for up to 42 days interest-free on card purchases.
Built around how a company actually spends.
One account. Cards for the people who buy things. A record the bookkeeper does not have to retype.
Free cards for the team
Unlimited employee cards. Set a limit, freeze one, or block cash withdrawals from your phone.
Books that update themselves
Transactions sync with the accounting tools the business already uses. Up to 90 days of history can come across.
A person, in under 10 seconds
UK-based support day and night, by phone, chat or email. No queue of bots.
Preload past the limit
Add the company’s own money to cover a larger invoice. Topped-up funds are used first, and still earn cashback.
A virtual card the same day
On a live account, approved businesses can spend before the physical card arrives, typically in 3–5 business days.
Protected spend
Unauthorised transactions can be disputed with support. Freeze a card the moment something looks wrong.
Up to 42 days interest-free
Pay the balance in full and on time and card purchases stay interest-free. Repay weekly or monthly.
£0 in fees
No annual fee. No foreign exchange fee. No domestic ATM fee. The rate is the rate.
Two minutes. Four short screens.
01
Tell us the company
Legal name, Companies House number, turnover, and how long you have been trading.
02
Tell us who is applying
An active director or majority shareholder, with a UK home address.
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See a decision
Eligible businesses get an illustrative limit up to £250,000. The enquiry is emailed to info@u3man.be.
Eligibility
If it is not a company, it is not this card.
- UK private limited company, LLP or PLC, active at Companies House
- Applicant is a director or holds at least 25%, and lives in the UK
- Trading for 12 months or more
- Monthly turnover of at least £2,000
- No unsatisfied CCJs in the last 12 months, on you or the company
Automatically declined
- Sole traders and ordinary partnerships
- Charities, non-profits, trusts and Royal Charters
- Personal spending, or anyone who is not a director or 25%+ shareholder
- Gambling, arms, crypto, payday lending, and other restricted industries
- Businesses trading for less than a year
Questions, answered plainly.
u3man is only for businesses. You must be incorporated as a UK private limited company, limited liability partnership, or PLC. To be considered for credit the business needs monthly turnover of at least £2,000 and must have been trading for at least 12 months. The applicant has to be an active director or a shareholder with 25% or more, and live in the UK. Sole traders, ordinary partnerships, charities and personal applicants are declined.
Turn the card machine, the stock order and the software bill into cashback.
Apply today for 1% on company-card spending and free cards for the team. Businesses only.
Apply now