Uncapped 1% cashback with no annual fee

Uncapped 1% cashback with no annual fee

Application and decision in less than 5 minutes

Application and decision in less than 5 minutes

Credit limits up to £150,000

Credit limits up to £150,000

Free cards for your company

Free cards for your company

Up to 56 days interest free on card purchases

Up to 56 days interest free on card purchases

No FX or UK ATM charges

No FX or UK ATM charges

Great rates as low as 9.9% APR

Great rates as low as 9.9% APR

Easy to use accounting integrations

Easy to use accounting integrations

Join Business Rewards to redeem points for Avios

Join Business Rewards to redeem points for Avios

Capital on Tap mobile app

How it works

Apply in under 2 minutes

Get a decision in under 30 seconds

Immediate access to your credit limit

Cards arrive in 2 days

Running your business just got easier

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Open an account in under 5 minutes

Our application only takes a couple of minutes and you get a decision in under 30 seconds. Applying won't affect your credit score either.

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Simple accounting integration

We have integrated with Xero, FreeAgent, Quickbooks and more to make it easier for your card transactions to automatically sync with your accounting software.

Two Capital on Tap credit cards

Unlimited cards for your company for free

Whether it is cards for your other directors, employees, or contractors - you have the flexibility to put all business spend on your Capital on Tap cards. With smart spend limits and easy tracking, you will know where every pound is being spent. Even better we don't charge fees for additional cards.

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24/7 customer support

 We know how hard it is to run your business so we're here for you 24/7. Whether you want to chat, call, or email us - we are ready to support you.

Frequently asked questions

Everything you need to know about business credit cards

  • A business credit card is a credit card assigned to your business, rather than an individual. It offers a revolving credit line and a monthly credit limit that can be used to pay off your company expenses. It's a convenient solution when a business needs to quickly access additional funds for short-term needs, or increase its purchasing power. Business credit cards often come with extra benefits for you and your company like business rewards, cards for your employees, or accounting software integration.

    To find out more, read our "What are small business credit cards" guide. 

  • The application process will be different for every credit card provider but you can usually apply online, by phone, or by visiting a branch. You will be asked to provide several details so it’s worth having the required information to hand before you start your application. These may include your business details, personal details, desired credit limit, and what you are planning to use the credit card for.

    To find out what information you may need and how to apply for the Capital on Tap business credit card, read our “How to choose the right credit card for your business?” guide.

    To apply for the Capital on Tap credit card, click here.

  • A business credit card works the same way as your personal credit card but instead of being issued to your personal account, it’s issued to your business account. Unlike your personal credit card, a business credit card should only be used to finance your business expenses. 

    To find out more, read our “What is the difference between personal and business credit cards?” guide.

  • You can use your business credit card to help manage your cash flow. With our card, you can use your pre-approved credit without having to apply for finance every time you need extra funds and the cost can be spread over several months.

    Please note, if you do not pay your balance in full each month, your card spend will no longer be interest-free. Any cash transactions (ATM withdrawals or Quick Transfers) will always incur interest. 

    Business credit cards are not only an easy way of keeping your business expenses separate from your personal ones, but they also come with attractive rewards.

    For example, you can earn cashback or loyalty scheme points on your business spend and use other benefits like accounting software integration and cards for your employees. 

    To read more about the benefits of having a business credit card, read our “What is the difference between personal and business credit cards?” guide.

    To find out more about business rewards credit cards, read our “What are rewards credit cards” guide.

  • No, business credit cards need to be used for legitimate business purposes like corporate travels, phone and internet bills, stock, supplies or equipment. Business expenses can be submitted to the HMRC and offer tax deductions and savings on your company tax bill.  There may be an overlap between business and personal expenses, therefore, it’s crucial that business expenses are not abused or it can make your tax return void and incur serious penalties. 

    Read more in our "Can I get a business credit card for personal use?”  guide. 

  • A personal guarantee is a legally binding agreement that holds you responsible for paying off your credit card debt. As business credit cards are a type of unsecured finance, most providers will require a personal guarantee.