The credit card built for small businesses

Get unlimited 1% cashback on all card spending. Redeem for cash, Avios, gift cards, or against your balance. Apply and get a decision in 2 minutes.

Go further with credit limits up to £250,000
Up to 4.07% AER* (variable) Instant Savings**
No annual, FX, or ATM fees

Apply now

Trusted by over 200,000 businesses

Rates as low as 14.13% APR (variable)

Convert points to Avios and Virgin Points

Auto-sync with accounting software

Do you have a code?

Enter your code to get started with your application.

Savings Promotional Rates Deposit 070825

Instant Savings account

Make the most of your business savings with our Instant Savings account**, powered by ClearBank, offering competitive interest rates of up to 4.07% AER* (variable). Start with just £1 and enjoy flexible access, no withdrawal penalties, and no monthly fees.

Open a savings account

Video Thumbnail Man Leans On Door

Stay in control of your business spending

Manage your business spending with smart controls and real-time visibility. No annual fee.

Track card spending in real-time
Make instant purchases with virtual cards
Get free company cards with spending limits
Auto-sync to Sage, Xero, QuickBooks, FreeAgent, and more

Apply now

Rated excellent by our customers

4.9/5 Apple App Store

4.9/5 Google Play Store

4.7/5 Trustpilot

Capital On Tap Business Credit Card Rewards

1% cashback

Turn your business spending into rewards with unlimited 1% cashback on every purchase.

Earn points for every pound you spend on your Capital on Tap Business Credit Card. Redeem your points for cash or gift cards, use them to reduce your credit balance, or convert to Avios, Virgin Points, or Radisson Rewards.

Apply now

Card With Plane

Convert your points to Avios

Whether you're on our Free or Pro plan, you can convert your reward points to Avios. Spend them on flights, upgrades, and more through The British Airways Executive Club and Qatar Airways Privilege Club.

For even more travel perks, explore our Pro tier.

Virgin Red

Transfer into Virgin Points

Your business spend can now earn rewards with Virgin Red and Virgin Atlantic Flying Club. Transfer your Capital on Tap points into Virgin Points and access a wide range of perks—from Virgin Atlantic flights and upgrades, to award-winning cruises with Virgin Voyages, Virgin Hotels stays, or experiences with Virgin Experience Days.

Preloading Dashboard On Mobile And Capital On Tap Business Credit Card (1)

Spend beyond your credit limit

Don't let a big purchase get away. Preloading lets you add your own funds to your account, expanding your spending power for those crucial business investments.

Make large purchases: Ideal for new equipment, large stock orders, or key supplier payments that exceed your limit.
Never miss out on rewards: Still earn uncapped 1% cashback on every pound you spend using preloaded funds.
Get a Pro-tier boost: Pro plan members earn an exclusive 1.25% cashback on all preloaded spending.

A Collage Showing Happy Capital On Tap Customers

Why choose Capital on Tap?

Over 200,000 small business customers have spent more than £20 billion on their Capital on Tap Business Credit Cards.

Our customer stories prove why we are the best choice for your business credit card needs.

Apply now

Trusted by over 200,000 businesses

Business spend just got more rewarding

Come for the rewards, stay for the all-in-one spend solution.

Free

£0/year

No annual fee

Apply now

Uncapped 1% cashback on all card spending
Exclusive offers at partner brands
Redeem points against your balance, for cash, or for gift cards
Convert reward points to Avios (10 points = 8 Avios, with The British Airways Club or Qatar Airways Privilege Club)
Convert reward points to Virgin Points (10 points = 8 Virgin Points)
Top up your balance with your own funds with Preloading
Unlimited, free employee cards
No foreign exchange fees
24/7 customer support
Up to 4.07% AER* (variable) Instant Savings account**
Convert points to Radisson Rewards
3 months free Xero for first-time subscribers

Pro

£299/year

Billed annually

Apply now

Everything from Free, plus:

10,000 bonus points when you spend £5,000 on your card in your first 3 months
Earn 1.25% on all preloaded card spend
Complimentary subscription to The Times
Convert reward points to Avios (1 point = 1 Avios, with The British Airways Club or Qatar Airways Privilege Club)
Convert reward points to Virgin Points (1 point = 1 Virgin Point)
Unlimited access to 1,600+ airport lounges for the main card holder
Two free guest lounge passes per year and guest discounts
Radisson Rewards VIP status
Premium metal card
Dedicated 24/7 customer support
6 months free Xero for first-time subscribers

Capital on Tap reviews

Neema Rai Founder And Owner Of Tamesis Dock.3 (1)

Not only has my Capital on Tap Business Credit Card given me more time, but I’ve been able to give my staff more autonomy and authority while keeping an eye on our spending - plus all of the card benefits are a great bonus!

Neema Rai
Owner of Tamesis Dock

Read our customer stories

Card And Rewards App Pro

Travel rewards with Pro

Turn everyday business spending into travel perks. With the Capital on Tap Pro card, you can convert points to Avios or Virgin Points. Save on flights through The British Airways Club and Qatar Airways Privilege Club, plus Virgin Red and Virgin Atlantic Flying Club, and enjoy unlimited airport lounge access.

You’ll also get Radisson Rewards VIP status, giving you hotel benefits like room upgrades and free breakfast.

Accounting Contained Feature Dark (2)

Connect to your accounting software

Sync your card with Sage, Xero, QuickBooks, FreeAgent, and more. Save time and stay on top of your finances with our integrated accounting solutions.

Set it to auto-sync every day for easy expense management.

Apply now

Customer Service Agent

24/7 support

If you’re awake, so are we. Contact us any time to talk to a real person who’ll answer in 10 seconds or less.

We're here 24/7 to help you with any questions or concerns you may have.

Capital On Tap Business Credit Cards App View

Track all your spending with the app

See all your spending in one dashboard. The Capital on Tap app lets you track team purchases in real time, set spend alerts, and manage payments wherever you are.

Capital On Tap Business Credit Card Team And Roles

Empower your employees

Get free, unlimited company cards for all your employees with personalised spend controls. Stay updated with real-time alerts on their spending.

Apply now

Capital On Tap Virtual Credit Card Details

Start spending the moment you’re approved

Create virtual cards in seconds and start spending the moment you’re approved for a Capital on Tap Business Credit Card.

No need to wait for a physical card to start paying off bills and invoices.

Barista Holding Capital On Tap Business Credit Card

Open an account online today

Running your business just got easier:

Apply and get a decision in 2 minutes
Make purchases immediately with your virtual cards
Your physical card arrives in 2 business days

Apply now

Get started with no annual fee. Decision in 2 minutes.

Apply now