Capital on Tap Business Credit Card benefits

Name: Business Credit Cards Benefits
Brand: Capital on Tap
Rating: 4.9 (11195 reviews)

Over 200,000 UK small businesses use Capital on Tap to earn cashback, manage team spend, and save hours on admin.

No annual, FX, or ATM fees
24/7 UK-based customer service
Up to 42 days interest-free on card spend

Apply now

Woman In Wine Shop Holding Capital On Tap Business Credit Card with Moneyfacts 5-Star Product Rating

Exclusive partner offers and discounts

Auto-sync with accounting software

Credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Hand Holding A Capital On Tap Visa Card Above Its Welcome Pack Sleeve, Showing Let's Get Started Activation Steps And A QR Code

What you get with Capital on Tap

Preload your credit card with your own funds
Build your business credit score
Unlimited, free employee cards
Integrated accounting software
24/7 UK-based customer service
No foreign exchange fees
Access exclusive partner offers, including Go Privilege experiences and Radisson Rewards
Easy-access Instant Savings account*

Capital On Tap Business Credit Card Rewards

Get uncapped cashback

Earn 1% cashback on everything you spend. Use your points however suits you:

Apply points to your card balance
Convert to Avios or Virgin Points
Choose gift cards from Amazon, Airbnb, and more

Apply now

Capital On Tap Business Credit Card Spend Controls

Great rates and up to 42 days interest-free

Enjoy rates from just 13.86% 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.

Capital On Tap Visa Infinite Business Card Leaning Against An Open Laptop On A Wooden Desk

Build your business credit score

Using your card responsibly builds your business credit score, making it easier to access higher limits or better rates on future funding.

Rated excellent by our customers

4.9/5 Apple App Store

4.9/5 Google Play Store

4.7/5 Trustpilot

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.

Get unlimited free cards for your team

Give every team member a card at no extra cost. Manage everything from your phone or computer:

Set individual spending limits per card
Get real-time spend alerts
Freeze or block cards instantly

Apply now

Preloading Dashboard On Mobile And Capital On Tap Business Credit Card (1)

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 cashback just like on regular credit spend. 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.

Pro customers earn 1.25% cashback on every purchase made from their preloaded balance. Spend a £5,000 top-up in full and that's £62.50 back.

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Ben Owner Of The Adventure Element Square

Being able to have multiple employee cards is really useful for us, and the process of getting a new card is super easy. The cashback has been great, and we use that money in various different ways.

Ben Keen
Owner of The Adventure Element

Read our customer stories

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.

Free Xero for 6 months

Simplify your business finances with 6 months of free Xero accounting software for first-time subscribers. Connect your Capital on Tap card to track expenses automatically, manage invoices, and get real-time insights into your cash flow.

Capital On Tap Virtual Credit Card Details

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, with added security.

Capital On Tap Business Credit Card Balance Alert

Fraud protection

Your Capital on Tap Business Credit Card is covered by Visa's Zero Liability Policy, which means you won't be held responsible for unauthorised payments. Read the full policy, including exceptions, on the Visa Zero Liability Policy page. To dispute a transaction, contact our 24/7 support team.

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.

Savings Promotional Rates Deposit 22122025

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.

Open a savings account

Capital on Tap reviews

No annual fee. 1% cashback on every purchase. Decision in 2 minutes.

Apply now

Frequently asked questions

What are the benefits of a business credit card?

Business credit cards provide vital financial tools for growth, including interest-free credit periods for cash flow management, cashback rewards, and automated accounting integrations. They also allow owners to separate business and personal spending, which simplifies tax returns and builds a business credit score. To benefit most, owners should pay their balance in full each month to avoid interest charges and help build a positive business credit history.

Does Capital on Tap work with Apple Pay and Google Pay?

Yes. Your Capital on Tap Business Credit Card works with both Apple Pay and Google Pay. Add your card to your phone's wallet and tap to pay anywhere you see the contactless symbol.

Does Capital on Tap charge interest?

We only charge interest on card spend if you do not pay your monthly balance in full by the due date. Interest rates are variable and start from as low as 13.86% APR (variable).

What is Capital on Tap's interest-free period?

We offer an interest-free period of up to 42 days on all card purchases. To benefit from this, you must pay your balance in full and on time each month. This allows you to manage your cash flow effectively without incurring extra costs on your daily business spending.

Page last reviewed on 27 July 2026

by Arianna Colomb