Built for small businesses, packed with benefits

Better benefits for your business

Build your business credit score

Using your card responsibly helps you build a stronger credit profile, making it easier to access higher credit limits or secure better rates on future business funding.

Get unlimited free cards for your team

Save admin hours with integrated accounting

Link your accounting tools like Sage, Xero, QuickBooks, and FreeAgent. Your transactions sync daily, your expenses are sorted for you, and you can pull in up to 90 days of past data. 

No more spreadsheets. No more manual entry. Just effortless accounting!

Talk to a human 24/7

Skip the bots and long waits. Speak to a real person based in the UK in under 10 seconds, day or night, via phone, chat, or email.

Got a question? We’re here 24/7 to help with anything from account support to product advice.

Spend beyond your limit with Preloading

Preloading means adding your own money to your Capital on Tap credit account so you can spend beyond your credit limit. Your topped-up funds are always used first, and you’ll earn all the same great rewards just as if you were spending on credit.

Got a £5,000 limit and an upcoming expense for £10,000? Top your account up with the extra £5,000 in a few easy taps and earn cashback on the whole purchase! If you’re a Pro customer, you’ll even get 1.25% cashback on what you preload—that’s £62.50 back on a £5,000 top-up.

Pay £0 in fees

No annual fees. No foreign exchange fees. No ATM fees. 

Apply today and enjoy a business credit card that was designed with your small business in mind.

Virtual cards for instant spending

Start spending straight away with your virtual card. Set budgets, track spending in real time, and enjoy instant access to your money—all with added security.

Great rates and up to 42 days interest-free

Enjoy rates from just  14.40% APR (variable) and get up to 42 days interest-free card spend when you pay in full and on time.

Choose how you repay — daily, weekly or monthly Direct Debit, debit card, or bank transfer — whatever works best for you.

Use your card with Apple or Google Pay

Fraud protection

Stay protected with Visa’s Zero Liability Policy - a guarantee that you won’t be held responsible for unauthorised payments made with your account or account information. You can learn more about this policy, including its exceptions, on the Visa Zero Liability Policy page.

Dispute card transactions by contacting our 24/7 customer support team.

Get uncapped cashback

Earn 1% cashback on everything you spend with your Capital on Tap Business Credit Card. Redeem your rewards points to lower your card balance, take it as cash, convert to Avios or Virgin Points, or choose gift cards from brands like Amazon, Airbnb, and John Lewis.

Refer and earn bonus points

Know another business owner who could use a smarter credit card? Refer them and you’ll both get 7,500 bonus points (worth £75 cashback) when they make their first card purchase.

Helping others has never been more rewarding.

Grow your savings on the side

Start maximising your business savings today with our easy-access Instant Savings account*, powered by ClearBank, offering competitive tiered interest rates. Start with just £1 and enjoy flexible access, no withdrawal penalties, and no monthly fees.

Existing credit customers can open it straight from their mobile app or portal. If you’re new to Capital on Tap, click the button below.