Best Business and SME Credit Cards in Saudi Arabia — September 2026
A business card should control staff spend and produce clean records before it earns rewards. We compared published pricing and controls and marked products that require a bank quote. We researched the products in depth using their current official product, pricing, terms, and help pages.
Quick comparison
| Rank | Card | Primary use | Annual fee | Core terms |
|---|---|---|---|---|
| 1 | Al Rajhi Business Platinum Credit Card | Best for digital marketing cashback | SAR 250 issue fee and SAR 250 annual fee before VAT. | Employee supplementary cards and controls are available. |
| 2 | Riyad Business Banking Credit Card (Nomwo) | Focus: clear low-fee SME option | SAR 200 annual fee; first year free. Additional cards are free. | Monthly term cost 1.75%; APR 21% in the official example. |
| 3 | BSF Corporate Visa cards | Focus: detailed corporate controls | Product-level fees are not shown on the corporate catalogue page; request the current corporate tariff. | Designed for company expense control rather than personal rewards. |
Quick answer
Al Rajhi Business Platinum Credit Card ranks first because it best matches the market and the article's criteria. The other products retain narrower strengths, but none replaces Al Rajhi Business Platinum Credit Card as our overall recommendation.
What this category means
A business card links company liability, employee cards, spend limits and reporting. It may be revolving credit, a charge card or prepaid; the repayment duty and fees differ.
Fees and main limits
| Card | Published annual fee | Main limit to check |
|---|---|---|
| Al Rajhi Business Platinum Credit Card | SAR 250 issue fee and SAR 250 annual fee before VAT. | Net international value can be negative after the fee unless the transaction earns enough cashback. |
| Riyad Business Banking Credit Card (Nomwo) | SAR 200 annual fee; first year free. Additional cards are free. | It offers basic control and rewards, not rich category cashback. |
| BSF Corporate Visa cards | Product-level fees are not shown on the corporate catalogue page; request the current corporate tariff. | It is a corporate control product; compare a written quote, not the marketing page alone. |
How we reviewed and ranked
We ranked expense controls, published annual fee, employee-card terms, cashback fit, international fee and application conditions. We did not infer a price where the bank asks the company to request a quote.
- We used issuer pages, fee schedules and terms in force on the review date.
- We kept permanent terms separate from timed offers.
- We compared net value and restrictions, not an arbitrary score.
1. Al Rajhi Business Platinum Credit Card — Best for digital marketing cashback
3% on digital marketing, 2% on international spend, travel and selected online marketplaces, and 1% on other purchases. Each category caps at SAR 250, then earns 0.20% after the cap.
Fees and limits: SAR 250 issue fee and SAR 250 annual fee before VAT. Net international value can be negative after the fee unless the transaction earns enough cashback.
Key features
- Employee supplementary cards and controls are available.
- Monthly profit rate 2.5%; international fee 2.75%.
Pros
- Useful digital-marketing category
- Business travel protections
Cons
- Category caps are SAR 250
- 2.75% international fee offsets some cashback
Primary use: Your business has eligible digital marketing, travel and international spend and can manage the category caps. Main limit: Net international value can be negative after the fee unless the transaction earns enough cashback.
2. Riyad Business Banking Credit Card (Nomwo) — Focus: clear low-fee SME option
Available to business and corporate customers. The bank requires a valid commercial registration and proof that the business has operated for more than 18 months.
Fees and limits: SAR 200 annual fee; first year free. Additional cards are free. It offers basic control and rewards, not rich category cashback.
Key features
- Monthly term cost 1.75%; APR 21% in the official example.
- Minimum due: SAR 200 or 5%, whichever is higher; international fee 2.75%.
Pros
- Low published annual fee
- Free additional cards
Cons
- Business must be over 18 months old
- 2.75% international fee
Primary use: Your business is over 18 months old and you want free employee cards with a simple SAR 200 annual fee. Main limit: It offers basic control and rewards, not rich category cashback.
3. BSF Corporate Visa cards — Focus: detailed corporate controls
The range includes Corporate Infinite, Signature, Platinum and low-limit Platinum cards. Visa Spend Clarity can set spend amount, channel, country, merchant category and time controls.
Fees and limits: Product-level fees are not shown on the corporate catalogue page; request the current corporate tariff. It is a corporate control product; compare a written quote, not the marketing page alone.
Key features
- Designed for company expense control rather than personal rewards.
- The public page does not state one standard fee or reward rate for all tiers.
Pros
- Detailed employee-spend controls
- Several card tiers
Cons
- Pricing needs a bank quote
- Benefits vary by tier
Primary use: You need country, channel, merchant-category and time controls and can obtain a written quote. Main limit: It is a corporate control product; compare a written quote, not the marketing page alone.
How do the alternatives differ from Al Rajhi Business Platinum Credit Card?
Al Rajhi Business Platinum Credit Card remains first on the article's stated criteria. The alternatives change the balance among fees, caps, rewards, eligibility, and spend thresholds, but none replaces the winner as the overall recommendation.
Final verdict
Riyad Nomwo is the easiest product to price. Al Rajhi can return more on the right categories, but the 2.75% international fee can offset international cashback. For BSF, ask for a written fee and control matrix before signing.
Frequently asked questions
Can I use a personal credit card for business spend?
The card agreement may restrict commercial use, and mixed records make accounting harder. Use a product whose terms match the business purpose.
What documents does an SME need?
Requirements vary. Riyad lists ID, commercial registration and proof of more than 18 months in business. Other banks may request account and financial records.
What should a business compare beyond rewards?
Compare company liability, employee-card controls, annual and issue fees, international charges, reporting, spend caps, and application terms.
Official sources
Last reviewed: 2026-09-01. Issuers can change fees, benefits, merchant categories and offers. Read the live disclosure before applying.