Florist Holding Business Credit Card (1) (1)
Florist Holding Business Credit Card (1) (1)

The credit card built for small businesses

Run your business better with 1% cashback on every transaction and credit limits of up to £250,000. Supercharge your rewards with Preloading by topping up your balance with your own funds.

No hidden charges or annual fees.

Point 1

Uncapped 1% cashback with no annual fee

Point 2

Rates as low as 15.5% APR (variable)

Point 3

Practical credit limits up to £250,000

Point 4

Free company cards with spend controls

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Youtube Thumb

Get rewarded for your business spending

Manage your business spending with smart controls and real-time visibility – all with no annual fee.

  • Track card spending in real-time
  • Make purchases immediately with virtual cards
  • Set spend limits for employees
  • Auto-sync to Sage, Xero, FreeAgent, and more
Preloading Dashboard On Mobile And Capital On Tap Business Credit Card
Preloading Dashboard On Mobile And Capital On Tap Business Credit Card

Fuel your opportunities with Preloading

Preload your account and spend beyond your credit limit all while earning 1% cashback on every purchase. Unlock your business spending power with Preloading. 

Capital On Tap Business Credit Cards Customers
Capital On Tap Business Credit Cards Customers

Why choose Capital on Tap?

Over 200,000 small business customers have spent more than £10 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.

Trusted by over 200,000 businesses

Business spend just got more rewarding

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

Free Rewards

Earn 1% cashback on card spending like bills, operating costs, and general expenses.

No annual fee

Apply now
  • Uncapped 1% cashback on card spending
  • Exclusive offers like savings at Dropbox, Slack, Superscript, and more
  • Redeem points against your balance, for cash, or for discounted gift cards
  • Top up your balance with your own funds with Preloading
  • Redeem points for Avios
  • 10,000 bonus points when you spend £5,000 in your first 3 months

Business Rewards

All the standard rewards plus bonus points and extra redemption options like Avios.

£99 per year

Apply now
  • Uncapped 1% cashback on card spending
  • Exclusive offers like savings at Dropbox, Slack, Superscript, and more
  • Redeem points against your balance, for cash, or for discounted gift cards
  • Top up your balance with your own funds with Preloading
  • Redeem points for Avios
  • 10,000 bonus points when you spend £5,000 in your first 3 months

Capital on Tap reviews

Capital On Tap Business Credit Card Rewards
Capital On Tap Business Credit Card Rewards

1% cashback

Capital on Tap turns your business expenses into benefits with unlimited 1% cashback on all your business purchases. 

Earn 1 point for every £1 you spend on your Capital on Tap Business Credit Card.

With Preloading, you can top up your balance to supercharge your rewards. Spend £50,000, and earn £500 in rewards points to redeem however you want.

Capital On Tap Business Credit Card And Rewards Gift Cards
Capital On Tap Business Credit Card And Rewards Gift Cards

Travel and gift card rewards

Make being your own boss even more rewarding by earning rewards on every business purchase.

Use your rewards to reduce your balance, convert to cash, or buy discounted gift cards. Upgrade to our Business Rewards program to redeem for Avios.

Accounting Contained Feature Dark
Accounting Contained Feature Dark

Plug into your accounting software

Auto-sync transactions to Sage, Xero, FreeAgent, and more to save time and stay organised with our integrated accounting solutions.

Set it to auto-sync daily for hassle-free expense management.

Customer Service Agent
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 assist you with any questions or concerns you may have.

Capital On Tap Business Credit Cards App View
Capital On Tap Business Credit Cards App View

Track all your spending in one place

Improve your business management with the Capital on Tap app, a single platform for handling your business credit card and expenses. Get real-time notifications wherever you are.

Easily control your spending and your employees' expenses.

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Capital On Tap Business Credit Card Team And Roles
Capital On Tap Business Credit Card Team And Roles

Empower your employees

Enjoy free, unlimited company cards for all your employees with personalised spend controls. 

Give them the freedom to buy what they need to get their job done, while staying in control of their spending with real-time spend alerts. 

Capital On Tap Virtual Credit Card Details
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 account. 

Urgent bills or invoices to pay? You don't have to wait for a physical card – virtual cards have you and your employees covered.

Barista Holding Capital On Tap Business Credit Card
Barista Holding Capital On Tap Business Credit Card

Open an account online today

  • Apply and get a decision in 2 minutes
  • Make purchases immediately with your virtual cards
  • Your physical card will arrive in just 2 business days
  • Running your business just got easier