Unlock financial flexibility and supercharge your small business with the Capital On Tap Business Credit Card – your key to accessible capital, higher credit limits, and rewards that truly work for you.
Uncapped 1% cashback with no annual fee
Rates as low as 15.5% APR (variable)
Practical credit limits up to £250,000
Free company cards with spend controls
Come for the rewards, stay for the all-in-one spend solution. Change your plan at any time.
Earn 1% cashback on card spending including bills, operating costs and general expenses.
No annual fee
Get StartedEarn all the standard rewards plus bonus points and extra redemption options like Avios.
£99 per year
Get Started
A business credit card is a financial tool designed specifically for businesses. You can use it to make purchases on credit, track expenses, and build a separate credit history for your business. This helps manage cash flow, separate personal and business expenses, and often offers rewards or benefits tailored to your business needs.
A company credit card lets employees buy things for the business without submitting an expense claim or waiting for reimbursement. It's issued to employees, not the company, but the company has to pay the card bill. It makes buying things for the business easier and helps the company keep track of spending.
A business credit card makes managing your business money easier. It keeps your personal and business expenses separate, helps with cash flow, and builds a good credit history for your business. It also makes it simple to track spending, manage employee expenses, and comes with special rewards and benefits.
With higher credit limits, you can make larger purchases and investments, giving you the edge you need to take your business to the next level.
A single, centralised account for employee purchases makes it easy to track spending and removes the need for awkward expense forms and refunds.
Separating your personal and business expenses will help you stay organised and stress-free when it’s time to tackle bookkeeping and taxes.
A business credit card helps bridge cash flow gaps until payments come in. Plus, repay your balance in full each month, and there’s no interest to pay.
Enjoy a wide range of exclusive perks, from cashback rewards and travel benefits, to expense management tools and fraud protection.
A business credit card can establish and improve your score, paving the way for easier financing and greater opportunities for business growth.
Make sure you've got all your personal and business info on hand when you apply.
Our customer stories prove why Capital on Tap is the best choice for your business credit card needs.
Business credit cards should only be used to pay for business expenses. This includes things like travel costs, office supplies or paying invoices. By using a business credit card for these everyday expenses, you're not only simplifying your bookkeeping but also potentially earning benefits that can further boost your business's financial health.
Different business credit cards offer different rewards, common benefits include cashback or travel rewards.
You earn rewards every time you spend using your Capital on Tap card. Use your rewards to reduce your balance, convert them to cash, or take advantage of discounted gift cards. Upgrade to our Business Rewards program to exchange points for Avios.
Alex Miles
COO and UK Managing Director
“Business credit cards can be the catalyst for growth, providing businesses with a convenient tool to manage expenses, build credit, and access rewards that can fuel their success.”
A company credit card may incur costs such as monthly or annual fees, late payment fees, charges for cash withdrawals, foreign transaction fees, and interest charges on unpaid balances. These fees vary by card issuer and plan.
Capital on Tap has no annual, foreign exchange, or ATM fees.
Yes, you can use your personal credit card for business expenses, but it's usually better to use a business credit card. Personal credit cards won't help your business build a good credit history, and they often have lower spending limits. Business credit cards come with special benefits and rewards for business owners. They can also offer features like connecting to accounting software, tracking employee spending, and virtual cards.
Over 200,000 small business owners have spent more than £8 billion on their Capital on Tap Business Credit Cards.
Neema Rai
Owner of Tamesis Dock
“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!”
Everything you need to know about business credit cards
Whilst the application process for a business credit card differs by provider, you can typically apply online, by phone, or by visiting a branch. You'll need to provide personal and business details such as your business's legal name, monthly turnover, and address. With Capital on Tap Business Credit Card, you can apply online in just 2 minutes, and most applicants receive an instant credit decision and virtual card access.
A personal guarantee is a legally binding agreement that holds you personally responsible for paying off your credit card debt - even on your business account. Most providers require a personal guarantee as business credit cards are unsecured.
The Capital on Tap Business Credit Card provides instant access to funds for approved applicants with virtual cards. The physical card arrives in the post two days later.
Yes, most business credit cards, including Capital on Tap, require a personal guarantee.
Small business credit cards have lower interest rates, higher credit limits, and more flexible terms than corporate cards. Small business credit cardholders earn rewards while corporate card rewards are earned by the business. The primary cardholder is liable for debt and fees on a business credit card, while the company is liable for corporate card expenses. Corporate cards require the balance to be paid in full each month, while business credit cards allow carrying a balance.
Yes, any size business can have a business credit card to make purchases, manage expenses, and pay bills. Small business owners can apply for a business credit card and enjoy benefits such as cashback rewards, exclusive discounts, and expense tracking features.
You must either own a business or work for a business that authorises you as a cardholder to qualify for a business credit card.
A personal guarantee is required for most business credit cards, so defaulting on a business credit card will make you personally liable for the debt and negatively impact your personal credit score.
Business credit scores range from 0 to 100, while personal credit scores range from 300 to 850. Lenders use various criteria to determine a good credit risk. A poor business credit score may still qualify for a business credit card with a personal guarantee if you have good personal credit.
Yes, business credit cards are an effective way to build credit for your business. These cards report activity to business credit reference agencies, helping establish a positive credit history and indicating the business is a good credit risk. Responsibly using the business credit card can also help improve the company's overall credit score. Finally, paying off the balance in full each month showcases financial responsibility and can boost the business's credit rating.
The APR (annual percentage rate) on a business credit card can vary depending on the card issuer and your creditworthiness. Generally, business credit cards tend to have higher APRs than personal credit cards. It's important to read the terms and conditions carefully before applying for a business credit card, and to pay off your balance in full each month to avoid high interest charges.
Yes. Add unlimited employee cards to your account and set individual spending limits on each card from the Cards page on your portal.
Business credit cards often come with some form of protection to help you if your purchase is faulty, broken, or never arrives. Your business credit card also protects you against any losses due to fraud, stolen or misuse of credit cards.
Use your Capital on Tap business credit card almost anywhere in the world without incurring foreign fees.
We don’t apply any charges or commission on transactions above the base exchange rate.
Yes, with your Capital on Tap employee credit cards, you maintain full visibility and spending control. You control how much each employee spends per billing period, or per single transaction.
Page last reviewed on 17 November 2023
by Lily Winnan