What's the best company card for a small business in Ireland?

If by “company card” you mean a card for business expenses, Revolut Business is my best all-round pick for a small Irish business that wants cards for a team and spend controls. Its plans start at €10/month, with physical and virtual cards and per-card spending controls. Check whether the plan’s transfer and currency-exchange allowances suit your business. (revolut.com)

Other good fits, depending on what you need:

• Wise Business — best if you often pay in foreign currencies. The first card is free, extra team cards cost €4 each, and spending in a currency you already hold is free; currency conversion has a fee. (wise.com)
• AIB Classic Visa Business — best if you specifically need a credit card and already bank with AIB. It has a €19.05 annual fee plus €30 annual government stamp duty per card. (aib.ie)
• Bank of Ireland Business Credit Card — another credit option if you already hold a BOI business current account; the standard card’s annual fee is €31, plus the applicable government stamp duty. (businessbanking.bankofireland.com)

Bottom line: For most small teams, I’d start by comparing Revolut Business with Wise Business. If you need actual credit rather than a debit card, compare AIB and BOI instead. The right choice mainly depends on whether you need employee cards and controls, foreign-currency spending, or credit and a bank relationship. These products and fees can change, so check the provider’s current terms before applying.

The best choice depends on your business, but the Irish-specific evidence is thin. Most of the "best business card" rankings I found are for US cards, which generally aren't available to Irish businesses (from my own knowledge, so check before relying on it).

Irish options from the sources:

• AIB business cards: AIB appears to have the clearest business-specific range in Ireland. One source says AIB has the only clearly labelled business credit card range in the Irish market. The entry-level Classic Visa Business card is listed at an annual fee of €19.05 and a minimum limit of €650. Higher tiers are the Premier Visa Corporate Card at €100 per year with a €2,000 minimum limit, and the Executive Visa Corporate Card at €200 per year with a €4,000 minimum, including airport lounge access.
• Bank of Ireland: Sources disagree. A 2025 Dublinledgers guide lists a Bank of Ireland business card with credit limits of up to €120,000 for up to 5 cards and a CardController tool for managing employee spending. However, a separate guide says Bank of Ireland does not publish a dedicated business credit card product, so applicants typically look at personal cards. Check current availability directly with the bank.
• Personal cards as a fallback: Some sole traders use personal cards. Comparison data from late 2026 shows an AIB Click card with a 13.8% representative APR and no annual fee, which is cheap if you carry a balance but not a rewards card.

Rewards-focused cards: The popular US picks, such as Chase Ink Business Unlimited ($0 annual fee, unlimited 1.5% cash back, a $1,000 bonus), are useful benchmarks for what to look for, but I couldn't confirm they're open to Irish businesses. I also didn't find current Irish business-card data for fintech options such as Revolut Business, which is worth comparing alongside the banks.

Practical suggestion: If you want a dedicated business card with employee cards and spending controls, start with AIB's business range and get quotes from Bank of Ireland. If you mainly want rewards, Irish-issued options are limited, so compare Revolut Business and your bank's offers on fees, limits, and cashback before applying. Confirm the fees and terms on each provider's site, since these change often.

There is no single "best" card for every small business in Ireland, as the right choice depends on your specific needs—such as whether you require a revolving line of credit, multi-currency features for international trade, or simplified expense management.

In Ireland, business card solutions generally fall into three categories: Traditional Bank Credit Cards, Fintech Business Accounts, and Specialized Expense Management Cards.

1. Traditional Bank Credit Cards (AIB, Bank of Ireland)

These are best if you need a formal credit facility, want to maintain a lending relationship with a traditional bank, or prefer face-to-face service.

• AIB: Offers a range of Visa business credit cards (e.g., Classic, Corporate). Features include contactless payments, travel insurance (on certain cards), and liability waiver insurance. They are often integrated into standard business banking packages.
• Bank of Ireland: Provides business credit cards that can be managed alongside your business current account. They are a stable option for businesses that already bank with BOI and want to keep all finances under one roof.
• Considerations: Traditional cards typically come with annual fees (e.g., €19.05 or more depending on the card type) and Government Stamp Duty (€30 per card). Approval is subject to a full credit assessment.

2. Fintech Solutions (Revolut Business)

Revolut is a popular choice for Irish small businesses that prioritize technology, ease of use, and international functionality.

• Pros: Very fast setup compared to traditional banks, excellent mobile app, real-time spending notifications, and competitive foreign exchange rates. It is highly efficient for teams, allowing you to issue physical and virtual cards to employees with customizable spending controls.
• Cons: It is a paid service (monthly subscription fees apply), and customer service is primarily digital. Some larger, more traditional Irish companies may occasionally have issues processing payments from non-traditional IBANs (though this is becoming less common).
• Best for: Startups, businesses with international operations, and those who want to avoid the administrative burden of traditional banking.

3. Specialized Expense Management (Airwallex)

If your business has significant international spending or complex expense management needs, platforms like Airwallex are worth considering.

• Features: They offer multi-currency business Visa cards that allow you to spend from held balances in various currencies, helping to eliminate unnecessary foreign exchange fees.
• Management: Highly advanced spend management tools, such as the ability to create virtual cards for specific vendors or one-time use, set strict limits, and integrate directly with accounting software.

Summary Comparison Table

Recommendation for Your Business

• If you need credit to smooth cash flow: Go with a traditional bank (AIB or Bank of Ireland). They are the standard for credit facilities and have established processes for small business lending.
• If you need daily efficiency and team cards: Choose Revolut Business. It is widely regarded as the most user-friendly for day-to-day operations and team spending.
• If you trade internationally: Look at Airwallex or Revolut, as both offer superior multi-currency capabilities compared to traditional Irish bank cards, which often charge higher currency conversion fees.

Pro-Tip: Many Irish businesses use a "hybrid" approach: they maintain a traditional bank account for essential lending and local payments, while using a fintech card (like Revolut or Airwallex) for daily expenses, travel, and international transactions to save on fees and streamline bookkeeping.

For most small businesses in Ireland, I’d shortlist Revolut Business for day-to-day spending and AIB Classic Visa Business if you specifically need a credit card. They serve different purposes: Revolut’s cards are business expense cards, while AIB’s is a credit card with a credit limit.

• Best for team spending and managing expenses: Revolut Business. It offers physical and virtual expense cards, and tools to manage staff spending. Its Basic plan is listed from €10/month; check the current plan and card charges against how many users and transactions you expect. ³¹⁰¹³
• Best if you want a conventional business credit card: AIB Classic Visa Business. It has a €19.05 annual bank fee per card, plus €30 annual government stamp duty per credit card. AIB lists a minimum credit limit of €650. Foreign-currency fees are 1.75% for Visa Europe transactions and 2.75% for the rest of the world. ¹²
• Best for high-volume, low-value purchases: AIB Purchasing Visa Card. AIB lists no annual bank fee, but the €30 annual stamp duty still applies to each credit card. ¹⁶

My practical pick: choose Revolut if you mainly want easy staff cards and spending controls; choose AIB Classic if you need a credit facility and prefer a traditional bank card. Before deciding, compare foreign-currency costs, subscription fees, accounting integrations, and whether the provider’s account setup suits your company. Check the providers’ current terms directly, as fees and plan details can change.