Capital on Tap vs Revolut Business: Which is Best for Your Business?

Choosing between Capital on Tap and Revolut Business depends on whether your business needs a flexible line of credit or a multi-currency banking hub. Capital on Tap provides a dedicated business credit card with up to £250,000 in revolving credit and uncapped 1% cashback. Revolut Business offers a multi-currency digital bank account optimised for international transfers. This blog compares their fees, rewards, and core features to help you decide which tool best supports your growth.

Credit card vs banking account

The most fundamental difference between these two providers is the type of financial product they offer.

• Capital on Tap: This is a business credit card. It provides a revolving credit facility of up to £250,000, allowing you to spend today and pay later. It is designed to bridge cash flow gaps or fund growth.

• Revolut Business: This is primarily a business bank account (Revolut received its full UK banking licence in March 2026). While it offers debit cards and some credit products, its core strength is as a place to hold, receive, and send money in multiple currencies.

Comparing core features

Because Revolut offers several tiers, we have compared their popular Grow plan alongside the Capital on Tap options.

How rewards and cashback work

Both providers offer rewards, but they are structured very differently.

• Capital on Tap: Rewards are straightforward. You earn uncapped 1% cashback on all business spending. If you choose our Pro tier, you can boost this to 1.25% on preloaded spend or by using daily repayments. You can redeem your points for cashback, account credit, gift cards, or even convert them to travel rewards. In addition to cashback, all customers gain access to our exclusive offers portal, featuring specially negotiated discounts at partner brands like Sage, Slack, and Hiscox. 

• Revolut Business: Revolut does not offer cashback on daily spending. Instead, they provide access to an offers portal. This allows businesses to access discounts or trial periods for third-party services like accounting software, marketing tools, or office supplies. 

International spending and FX

If your business operates globally, how each provider handles currency is a major factor.

• Capital on Tap: We keep it simple with £0 FX fees on all card purchases. Whether you are buying stock from the US or paying for a meal in Europe, you get the mid-market rate without any added transaction fees from us.

• Revolut Business: You can hold and exchange over 25 currencies in one account. However, depending on your plan, there are limits on how much you can exchange for free. On the Grow plan, for example, you have a £15,000 monthly allowance, after which a 0.6% fee applies to exchanges. Regardless of which plan you choose, a 1% fee will apply if you exchange outside of market hours (23:00 GMT Sunday to 22:00 GMT Friday).

Additional features

Both providers aim to make running a business easier by automating your bookkeeping and providing 24/7 support.

• Accounting integrations: Both Capital on Tap and Revolut Business offer real-time sync with major software like Xero, QuickBooks, and FreeAgent.

• Support: Capital on Tap provides 24/7 UK-based support via phone, email, and live chat. Revolut Business offers 24/7 support primarily through their in-app chat function.

• Card management: Both allow you to issue employee cards and set individual spending limits to stay in control of your company's outgoings.

The bottom line

Choosing between these two providers comes down to your primary business need. If you want a credit card that supports your growth with a limit up to £250,000 and the ability to spend immediately via an instant virtual card, then applying for the Capital on Tap Business Credit Card might be the right choice for your business. By choosing Capital on Tap, you benefit from uncapped 1% cashback, unlimited free employee cards for your team and £0 FX fees on all international spending.

Frequently asked questions

All data is accurate as of April 2026. This does not constitute financial or tax advice. For specific guidance, please consult a qualified professional.