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At Capital on Tap, we believe that your business spending should be rewarded. Every pound you spend on your Capital on Tap Business Credit Card earns you points, but the real benefit comes when you redeem them. Our rewards programme is designed to be as flexible as your business, with a range of options to suit your goals.
Whether you want to lower your credit card bill, get cash for your business, or save up for a well-deserved trip, we have a redemption option for you. This guide will walk you through all the ways you can turn your points into valuable rewards.
How to earn points
Earning points with your Capital on Tap Business Credit Card is simple. You earn 1 point for every £1 you spend on your card, as well as on any employee cards linked to your account. There's no limit to how many points you can collect.
Pro members earn even more. You get 1.25 points for every £1 you spend using preloaded funds, giving you more flexibility and earning potential on larger purchases. Plus, you'll receive a bonus of 10,000 points when you spend £5,000 in your first three months.
Your rewards options: an overview
You can easily redeem your points directly through your Capital on Tap portal or mobile app. We offer several ways to put your points to work for your business:
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Cashback: Use your points to get money back on your business spending, either as a credit to your card balance or as a cash transfer to your preferred bank account.
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E-Gift Cards: Treat yourself or your employees with gift cards from leading retailers.
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Travel Rewards: Convert your points to Avios or redeem them for Radisson Rewards for flights, hotel stays, and more.
How to redeem points for cashback
This is a great option if you want to get direct financial value from your spending. Every point you earn is equal to 1p in cashback, so 10,000 points = £100 cash. You have two options for where your cashback goes:
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As credit on your card balance: This is the quickest way to apply your cashback against your outstanding balance. It instantly lowers the amount you owe, freeing up your available credit for future spending.
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As a cash transfer to your bank account: For added flexibility, you can have your cashback transferred directly to your preferred bank account.
To redeem either of these options, simply log in, go to the ‘Rewards’ tab, select your chosen option, and enter the amount of points you wish to redeem.
Redeeming points for e-gift cards
f you're looking to treat yourself or your team, e-gift cards offer a fantastic reward for your hard work. You can choose from a wide variety of popular brands, like Amazon, Airbnb, Uber, and more.
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You can find the full list of available gift cards in the ‘Rewards’ section of your account.
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The redemption process is instant, and the e-gift card will be sent to the email address you provide.
For more details on this option, check out our blog on redeeming points for e-gift cards.
Travel rewards
For businesses that travel, converting your points to a travel partner can be incredibly rewarding.
Converting points to Avios
For businesses that travel, converting your points to Avios can be incredibly rewarding. Avios can be used for flights with British Airways and its partners, hotel stays, and more.
Our Free plan allows you to convert points at a rate of 10 points to 8 Avios, while our Pro plan gives you an even better rate of 1 point to 1 Avios, along with other travel perks like airport lounge access.
Redeeming to Radisson Rewards
You can convert your points to Radisson Rewards points at a rate of 1 point = 3 Radisson Rewards points. These can be redeemed for hotel nights, dining, shopping, and partner services. As a Pro customer, you can get fast-tracked to the Radisson Rewards VIP tier. This exclusive tier offers a range of perks, including complimentary room upgrades, and early check-in and late check-out on your hotel stays.
Simply head to the ‘Rewards’ tab in your account to link your British Airways Executive Club or Radisson Rewards account and start converting your points today!
The bottom line
Your Capital on Tap Business Credit Card is more than just a tool for business spending—it's a rewards engine designed to give back to your business. By understanding and using the different redemption options available, you can choose the reward that best fits your needs, whether it's lowering your bills with cashback on your balance, getting cash for your bank account, or saving up for an upgrade on your next trip with a travel partner.
Frequently asked questions
How do I earn points?
You earn 1 point for every £1 spent on your Capital on Tap Business Credit Card. This applies to your main card and any free employee cards linked to your account. There is no cap on the number of points you can collect. Plus, Pro customers get 1.25 points for every £1 spent using their preloaded funds!
Do my points expire?
No, your Capital on Tap points will not expire as long as your account is active and in good standing.
Can I redeem points for a portion of my bill?
Yes. When you redeem points for cashback, you can choose any amount to redeem, as long as you have the points available in your account.
Is there a minimum amount of points I have to have to redeem?
Yes, you must have a minimum of 100 points to redeem them.
