Barista Holding Capital On Tap Business Credit Card
Barista Holding Capital On Tap Business Credit Card

The business credit card that's more rewarding

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.

Point 1

Uncapped 1% cashback with no annual fee

Point 2

Rates as low as 15.5% APR (variable)

Point 3

Practical credit limits up to £250,000

Point 4

Free company cards with spend controls

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 Dropbox, Slack, Superscript, and more
  • Redeem points against your balance, for cash, or for discounted gift cards
  • Top up your balance with your own funds with Preloading
  • 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 Dropbox, Slack, Superscript, and more
  • Redeem points against your balance, for cash, or for discounted gift cards
  • Top up your balance with your own funds with Preloading
  • 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)
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
Spending On Capital On Tap Business Credit Card
Spending On Capital On Tap Business Credit Card

What is a business credit card?

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.

Florist On The Phone With Capital On Tap Business Credit Card
Florist On The Phone With Capital On Tap Business Credit Card

How does a company credit card work?

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.

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.

Freedom Light

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.

Managing Controls 1 Light

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.

Confidence Spend Zen Light

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.

Redeem Rewards Light

Make spending rewarding

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

Accelerate Light

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 
Export Your Transaction Data
Export Your Transaction Data

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
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

Woman In Wine Shop Holding Capital On Tap Business Credit Card Min
Woman In Wine Shop Holding Capital On Tap Business Credit Card Min

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?

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 Preloading to add your funds and maximise your rewards potential. 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.

Capital On Tap Business Credit Card, App And Mobile UK
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
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.

Preloading Dashboard On Mobile And Capital On Tap Business Credit Card
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.

Let the Capital on Tap Business Credit Card make running your business easier

Apply now

Frequently asked questions

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.

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.

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

We verify both personal and business credit when reviewing applications. Personal checks are soft with no credit score impact. Business checks are visible to other lenders. We run credit checks to determine eligibility and set credit limits.

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.

Compare fees, interest rates, rewards programmes, spending limits, and reporting features. Prioritise what's most important for your business. This blog can help you compare your options.

Alternatives include business charge cards requiring full repayment, bank accounts providing financial tools, and term loans/lines of credit offering fixed repayment financing. Assess your funding needs and capabilities to determine if a charge card, dedicated account, or loan suits your business better than a credit card.

Page last reviewed on 05 February 2024

by Holly Woodward