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Convert points to Avios

Use your Capital on Tap Business Credit Card for everyday business spending and earn reward points you can convert to Avios through The British Airways Club or Qatar Airways Privilege Club, at no extra cost.

  • Earn points for every pound spent 
  • No annual fee to earn rewards 
  • Unlimited free employee cards
Apply now

Avios issued are subject to terms and conditions of the programme to which they are converted. See terms and conditions of Qatar Airways Privilege Club and The British Airways Club.

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Trusted by 300,000+ UK businesses

Trusted by 300,000+ UK businesse

1% cashback on all card spend

1% cashback on all card spend

Credit limits up to £250,000

Credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Rates as low as 13.86% APR (variable)

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What is a business credit card with air miles?

A business credit card with air miles turns your everyday business spending into travel rewards. With the Capital on Tap Business Credit Card, every purchase earns reward points you can convert to Avios and spend on flights, upgrades, and more through The British Airways Club or Qatar Airways Privilege Club.

Apply now

How do business credit cards with air miles work?

Business credit cards with air miles allow businesses to earn rewards in the form of air miles for their spending. They usually work like this: 

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Earning air miles

Every purchase on your Capital on Tap Business Credit Card earns reward points. Convert those points to Avios and turn your everyday spending into flights and upgrades.

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Redeeming points

Reward points can be redeemed for flights, hotel stays, and upgrades. With Capital on Tap, you can also use them for gift cards or cashback.

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Annual fees

Most business air miles cards charge annual fees. With Capital on Tap, you can earn and convert points to Avios at no additional cost on the Free plan.

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Collecting Avios is key for any business owner looking to maximise their spending. With a business travel credit card that earns air miles, you can turn everyday operational costs into rewards to fund corporate travel, or even treat yourself to a well‑deserved holiday.

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

£0/year

No annual fee

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  • Uncapped 1% cashback on all card spending
  • Exclusive offers at partner brands
  • Redeem points against your balance, for cash, or for gift cards
  • Convert reward points to Avios (10 points = 8 Avios, with The British Airways Club or Qatar Airways Privilege Club)
  • Convert reward points to Virgin Points (10 points = 8 Virgin Points)
  • Convert reward points to Go Coins for tickets, events, and concierge experiences
  • Top up your balance with your own funds with Preloading
  • Unlimited, free employee cards
  • No foreign exchange fees
  • 24/7 customer support
  • Easy-access Instant Savings account*
  • Convert points to Radisson Rewards
  • 6 months free Xero for first-time subscribers

Pro

£299/year

Billed annually

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Everything from Free, plus:

  • 10,000 bonus points when you spend £5,000 on your card in your first 3 months
  • Earn 1.25% on all preloaded card spend
  • Complimentary subscription to The Times
  • Convert reward points to Avios (1 point = 1 Avios, with The British Airways Club or Qatar Airways Privilege Club)
  • Convert reward points to Virgin Points (1 point = 1 Virgin Point)
  • Go Privilege Silver membership—exclusive discounts and priority access
  • Unlimited access to 1,600+ airport lounges for the main card holder
  • Two free guest lounge passes per year and guest discounts
  • Radisson Rewards VIP status
  • Premium metal card
  • Dedicated 24/7 customer support
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Earn 10,000 bonus points with Pro

Earn 10,000 bonus points when you spend £5,000 on your Pro card in your first 3 months. As a Pro cardholder, that's 10,000 Avios at the 1:1 conversion rate, or £100 cashback.

Use your Avios to book flights, hotels, and more via The British Airways Club or Qatar Airways Privilege Club.

Rich Hudson Reagent's CEO At The King's Award Reception

With Capital on Tap, we collect Avios on our spending, which helps fund international travel to meet customers face-to-face. That’s been key to building the global relationships that earned us the King’s Award.

Richard Hudson
CEO of ReAgent
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How can I redeem my points?

Redeem your reward points against your balance, as cash, on gift cards, or convert to Avios via the Rewards page in your Capital on Tap app or online portal. You'll need your British Airways Club or Qatar Airways Privilege Club account details ready.

Apply now
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How can I spend my Avios?

Turn business spending into rewarding experiences. Spend your Avios through The British Airways Club or Qatar Airways Privilege Club on:

  • Flights and upgrades  
  • Preferred seats and extra baggage  
  • Hotel stays  
  • Car hire
  • Tours and experiences (Qatar Privilege Club only)  
  • Shopping and dining (Qatar Privilege Club only)  
  • Transfers to partner rewards points
Qatar Airways Redemption

Qatar Airways Privilege Club

With Qatar Airways Privilege Club, you can use your Avios on:

  • Flights with Qatar Airways, oneworld®, and partner airlines
  • Cabin upgrades
  • Packages with Qatar Airways Holidays
  • Shopping at Qatar Duty Free
  • Exclusive experiences

 

Harry Harvey CEO Of Garage Style

We used our Avios to pay for 7 employees’ flights to Vegas. After converting our cashback to Avios we only had to pay £75 for each flight ! Using our points brought the cost right down so we could justify the trip.

Harry Harvey
Managing Director at Garage Style
Read our customer stories

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Frequently asked questions

Avios is the rewards currency of The British Airways Club and Qatar Airways Privilege Club. With Capital on Tap, you earn points on your card spending that can be converted to Avios for travel rewards of your choice.

With Capital on Tap, you first earn reward points whenever you make purchases on your business credit card. You can then convert these reward points into Avios. The number of Avios you collect for your points varies depending on your Capital on Tap card plan and the current conversion rates applicable to your account. Earn rates are subject to change, Pro customers convert at 1:1. Free plan customers convert at 10:8. Earn rates are subject to change.

Once you have Avios, their value can differ based on how you choose to spend them through The British Airways Club or Qatar Airways Privilege Club. For example, the Avios needed for a flight will depend on the destination, travel class, date of travel, and availability. Check the British Airways or Qatar Airways reward booking sites for current Avios requirements.

You don't have to fly. Every purchase on your Capital on Tap Business Credit Card earns reward points. Convert them to Avios through The British Airways Club or Qatar Airways Privilege Club — on the free plan at 10:8, on Pro at 1:1. Points are available to convert as soon as a purchase clears. You can learn more about how to collect Avios in this short video.

It depends on how you travel. If you fly regularly for work, converting points to Avios can deliver strong value, particularly on the Pro plan at the 1:1 conversion rate. If you prefer flexibility, cashback lets you reduce your bill, withdraw as cash, or buy gift cards. With Capital on Tap, you don't have to choose upfront. You earn reward points on every purchase and decide how to use them each time.

Avios collected through Capital on Tap and spent through The British Airways Club or Qatar Airways Privilege Club remain valid as long as you collect, spend, purchase, or share at least one Avios within a 36-month period. If there is no activity for three years, your Avios will expire.

Yes. Avios collected and converted through Capital on Tap can be spent on both business and personal travel through The British Airways Club or Qatar Airways Privilege Club. Check your credit card and airline loyalty programme terms for details.

Checking your Avios balance is easy. Simply log into your Qatar Airways Privilege Club or The British Airways Club account and your up-to-date balance will be right there.

Businesses can use Avios collected from Capital on Tap Business Credit Cards to book travel for employees or events through The British Airways Club or Qatar Airways Privilege Club, turning everyday business spending into valuable travel rewards.

When you convert your Capital on Tap points to Avios, you can spend them through either The British Airways Club or Qatar Airways Privilege Club. This allows you to spend your Avios on flights with Qatar Airways, British Airways, and their partner airlines—including oneworld alliance® partners such as Iberia, American Airlines, Finnair, and more.

Different credit card providers will have different Avios sign-up bonuses. With the Capital on Tap Pro plan, you’ll earn 10,000 bonus points you can convert to 10,000 Avios or £100 cashback when you spend £5,000 on your card in your first 3 months. This is applicable only to customers who have not previously received a sign-up bonus.

No, with Capital on Tap, there is no minimum monthly or annual spending requirement to convert rewards points to Avios.

Page last reviewed on 27 July 2026

by Arianna Colomb