The business credit card that's more rewarding

Gain financial flexibility and supercharge your small business with the Capital on Tap Business Credit Card. Unlock accessible capital, higher credit limits, and rewards tailored to you.

  • 1% cashback on all card spend
  • No annual, FX, or ATM fees
  • Free company cards with spend controls
Barista Holding Capital On Tap Business Credit Card
Practical credit limits up to £250,000

Practical credit limits up to £250,000

Rates as low as 15.5% APR (variable)

Rates as low as 15.5% APR (variable)

Auto-sync with accounting software

Auto-sync with accounting software

Upgrade for Avios points

Upgrade for Avios points

Earn rewards on all business credit card spend

Come for the rewards, stay for the all-in-one spend solution. Change your plan at any time.

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 Sage, Slack, Superscript, and more
  • Redeem points against your balance, for cash, or for gift cards
  • Top up your balance with your own funds with Preloading
  • Unlimited company cards with spend controls
  • 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 Sage, Slack, Superscript, and more
  • Redeem points against your balance, for cash, or for gift cards
  • Top up your balance with your own funds with Preloading
  • Unlimited company cards with spend controls
  • Redeem points for Avios
  • 10,000 bonus points when you spend £5,000 in your first 3 months
Florist Holding Business Credit Card (1) (1)

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

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Spending On Capital On Tap Business Credit Card

What is a business credit card?

A business credit card is a financial tool for businesses. It lets you make purchases on credit, track expenses, and build a separate credit history. This helps with cash flow, separates personal and business expenses, and often gives rewards or benefits for your business.

Florist On The Phone With Capital On Tap Business Credit Card

How does a company credit card work?

A company credit card allows authorised people to buy things for the business without waiting for reimbursement. Cardholders, including employees or other authorised users make purchases, but the company pays the bill. It streamlines purchasing, simplifies expense tracking, and ensures smoother cash flow for your business.

Why should I get a business credit card?

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.

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Financial freedom

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.

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Visibility and control

A single, centralised account for employee purchases makes it easy to track spending and removes the need for awkward expense forms and refunds.

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No-stress accounting

Separating your personal and business expenses will help you stay organised and stress-free when it’s time to tackle bookkeeping and taxes.

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Smoother operations

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.

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Make spending rewarding

Enjoy a wide range of exclusive perks, from cashback rewards and travel benefits, to expense management tools and fraud protection. 

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Boost credit score

A business credit card can establish and improve your score, paving the way for easier financing and greater opportunities for business growth.

Capital on Tap reviews

Who can apply for a business credit card with us?

Make sure you've got all your personal and business info on hand when you apply.

We Are A Match

We are a match if:

  • Your business turnover is at least £2,000 per month
  • There are no unsatisfied CCJs against you or your business in the last 12 months
  • Your business is active on Companies House
  • Your business is registered as a private limited company (Ltd) or limited liability partnership (LLP) 
Not Right Now

Not right now...

  • Charities, trusts, funds or Royal Charters
  • Public limited companies (PLC)
  • Dormant, dissolved or inactive companies
  • Sole traders 
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What do you need to apply for a business credit card?

To complete your application, please have these items ready:

  • Your full name, home address, date of birth, and contact info
  • Your business's legal name, registered address, company registration number
  • Your average monthly business turnover amount
  • Bank account details for settling monthly card payments
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

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What can I use my business credit card for?

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.

Logos Of Offers On Capital On Tap Card
Capital On Tap Rewards (1)

What rewards can I get with a business credit card?

Business credit cards offer various rewards such as cashback, travel perks, or points on purchases. These rewards can be used to offset expenses, access discounts on business travel, or even reinvest back in your business. 

For example, with Capital on Tap, you earn 1 point for every £1 spent on your card. You can use these points to pay off your balance, withdraw it as cash to your business bank account, or even purchase gift cards to incentivise employees. Also, if you upgrade to Business Rewards, you can earn Avios points, opening up opportunities for savings or travel benefits.

Alex Miles Capital On Tap Uk Managing Director Square

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.

How to choose the best business credit card?

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Fees and interest rates

Compare card fees and interest rates to find the most cost-effective option for your business.

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Rewards programmes

Evaluate rewards programmes to maximise benefits for your business spending.

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Spending limits

Consider spending limits to ensure they align with your business's purchasing needs.

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Reporting features

Look for features that allow you to track expenses and manage finances effectively.

Capital On Tap Business Credit Card, App And Mobile UK

What are the costs associated with a company credit card?

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.  

Capital On Tap Business Credit Card On Laptop Corner

Can I use my personal credit card for business?

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.

Builder Holding Capital On Tap Business Credit Card (1) Min

Can I take out cash using a business credit card?

Yes, you can usually withdraw cash using a business credit card. But it might cost you a bit more as there tend to be extra fees and higher interest rates for cash withdrawals compared to paying with your card. 

With Capital on Tap, you can withdraw cash to your business bank account up to twice daily, with a maximum cumulative value of £400.

Preloading Dashboard On Mobile And Capital On Tap Business Credit Card

Go beyond your credit limit with Preloading

Tackle those big expenses with Preloading. Top up your credit limit with your own funds to enjoy unlimited spending.  

Facing a £75,000 expense with only a £50,000 limit? Top up your balance with a £25,000 payment to bridge the difference. Finalise your purchase and earn a 1% cashback on the entire transaction.

Neema Rai Founder And Owner Of Tamesis Dock.3 (1)

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!

Neema Rai
Owner of Tamesis Dock
Read our customer stories

4 out of 5 customers are very likely to recommend us to a friend

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Frequently asked questions

Your business credit card will often come with some form of protection to help you recover any losses due to fraud, stolen or misuse of credit cards.

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.

Yes, you can set spending limits and restrict employee card usage with Capital on Tap business credit cards. You can control spending either by setting limits for each billing period or by individual transaction.

You can 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. 

Many providers allow you to take our extra cards for your employees. Capital on Tap allows you to create an unlimited number of employee cards to your account and set individual spending limits on each card from the Cards page on your portal.

Yes, using a business credit card responsibly can help build credit for your business.

Yes, you can get cash from a business credit card like a normal card. But cash advances have higher interest rates and fees than purchases. Interest starts right away with no grace period. With the Capital on Tap Business Credit Card, you can withdraw up to £400 of cash to your business bank account daily.

You need to have a business to be able to qualify for a business credit card. Some providers will accept sole traders though.

Yes, you must have a business bank account to apply for the Capital on Tap credit card.

Most business credit cards, including Capital on Tap, require a personal guarantee.

Business credit cards do not usually report to your personal credit report. However, many business credit cards require a personal guarantee, meaning you are ultimately personally liable for the debt. Because of this, if you defaulted, it could affect your personal credit score.

The process of applying for a business credit card will be different for every provider, but you can typically apply online, by phone, or visiting a branch in person. Make sure to check the eligibility requirements before applying to see if you’re likely to be accepted. 

You’ll need to gather a few bits of personal and business information for the application. This could include: 

  • Your legal business name, address and phone number 
  • Type of business 
  • Monthly turnover

If you’re applying for the 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.

Preloading allows you to top up your credit card balance with your own funds, and then use those preloaded funds together with your credit limit. This gives you greater flexibility in managing cash flow, taking advantage of 1% uncapped cashback, and more. Learn more about it at our blog. To get started click here.

Depending on your provider, it could take anywhere from a few days to a couple of weeks for the card to arrive in the post. 

If you’ve been accepted for a Capital on Tap Business Credit Card, you can get instant access to funds with virtual cards. Your physical card will arrive in the post two days later.

We check both personal and business credit when reviewing applications. Personal checks are soft with no credit score impact. Business checks are visible to other lenders. 

Alternatives include business charge cards, bank accounts, and term loans/lines of credit.

It depends on the issuer, but the best business credit cards typically require a personal credit score of 700+. 

A poor business credit score may still qualify for a business credit card with a personal guarantee if you have good personal credit.

A personal guarantee is a legally binding agreement between a business owner and a lender. It 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, meaning you don’t need to offer collateral to secure one.

The biggest difference is with who is liable: with business credit cards, it’s the business owner who’s liable, but on corporate cards, it’s the company that’s responsible. 

With the Capital on Tap Business Credit Card, you’re able to access the perks of small business credit cards while also being able to issue company cards to your employees.

Your business credit card funds your business whereas your personal credit card funds everything else. Head to our blog to learn more about the different advantages and disadvantages of personal and business credit cards.

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.

Other options include balance transfer cards, purchase cards for expenses, and fuel cards for business driving needs. Each has unique features, rewards, and approval criteria.

Page last reviewed on 11 March 2024

by Holly Woodward