The credit card built for small businesses.
Running a business is hard, we make it easier.
Applying won't affect your credit score
Up to 56 days interest free on card purchases
Unlimited cards for your company for free
Integrates with your accounting tools
Great rates as low as 9.9% APR
No FX or UK ATM charges
Join Business Rewards to redeem points for Avios
How it works
Apply in under 2 minutes
Get a decision in under 30 seconds
Immediate access to your credit limit
Cards arrive in 2 days
Running your business just got easier
Join the 125,000 businesses who use Capital on Tap
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Upgrade your spend with Business Rewards
As a business owner, you deserve to treat yourself for your hard work. Choose Business Rewards to be able to redeem your points for Avios.
Even better, you will earn an extra 10,000 bonus points that you can redeem for £100 cashback or 10,000 Avios when you spend £5,000 on your card in your first 3 months.*
Learn more about Business Rewards*Avios are issued and redeemed in accordance with the British Airways Executive Club terms and conditions. See ba.com/theclubterms.
Open an account in under 5 minutes
Our application only takes a couple of minutes and you get a decision in under 30 seconds. Applying won't affect your credit score either.
Simple accounting integration
We have integrated with Xero, FreeAgent and more to make it easier for your card transactions to automatically sync with your accounting software.
Unlimited cards for your company for free
Whether it is cards for your other directors, employees, or contractors - you have the flexibility to put all business spend on your Capital on Tap cards. With smart spend limits and easy tracking, you will know where every pound is being spent. Even better we don't charge fees for additional cards.
Use your card with Apple or Google Pay
You can add your Capital on Tap cards to Apple Pay or Google Pay and use it wherever you see the contactless logo.
Flexible funding when you need it
Need to access your funding without spending on your card? No problem. You can draw down funds straight to your business bank account in 2 clicks.
24/7 customer support
We know how hard it is to run your business so we're here for you 24/7. Whether you want to chat, call, or e-mail us - we are ready to support you.