Built for small businesses, packed with benefits

Handpicked business credit card benefits for small business owners—from integrated accounting to unlimited employee cards.

  • No annual, FX, or ATM fees
  • 24/7 UK-based customer service
  • Up to 42 days interest-free on card spend
Woman In Wine Shop Holding Capital On Tap Business Credit Card With 5 Star Moneyfacts Logo 2025
Exclusive offers for your small business

Exclusive offers for your small business

Auto-sync with accounting software

Auto-sync with accounting software

Practical credit limits up to £250,000

Practical credit limits up to £250,000

Rates as low as 14.40% APR (variable)

Rates as low as 14.40% APR (variable)

Capital On Tap Business Credit Card And App

Better benefits for your business

  • 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 hidden fees when you spend abroad
  • Up to 42 days interest-free on card spending
  • Access exclusive discounts and offers
  • 3.74% AER** (variable) Instant Savings*** account

Rated excellent by our customers

4.9/5 icon Apple App Store

4.8/5 icon Google Play Store

4.7/5 icon Trustpilot

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

Tap into more 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.

Spending On Capital On Tap Business Credit Card

Build your business credit score

Use your card, pay it off, and build a stronger credit profile in no time.

Whether you're looking to secure a mortgage, attract investors, or simply improve your financial standing, our business credit card can help get you there.

Capital On Tap Team Management

Get unlimited free cards for your team

Give every team member a card at no extra cost. Set individual spending limits, get real-time alerts, block ATM use, and freeze cards anytime — all from your phone or computer.

Accounting Contained Feature Light (2)

Integrate with your favourite accounting software

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!

Customer Service Agent

24/7 UK-based customer service

Skip the bots and long waits. Speak to a real person  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.

Florist On The Phone With Capital On Tap Business Credit Card

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.

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—all with added security.

Capital On Tap Business Credit Card Spend Controls

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

Capital On Tap Card Details

Use your card with Apple or Google Pay

Tap and pay quickly and securely with Apple and Google Pay wherever you see the contactless logo.

Capital On Tap Business Credit Card Balance Alert

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.

Capital On Tap Business Credit Card Rewards

Get rewarded for your business spending

Earn 1% cashback on everything you spend with your Capital on Tap Business Credit Card. Use your rewards to lower your card balance, turn them into cash, convert them to Avios, or choose gift cards from brands like Amazon, Airbnb, and John Lewis.

Two People Doing Accounts

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.

Savings Deposit 3.74% AER

Grow your savings on the side

Start maximising your business savings today with our Instant Savings account**, powered by ClearBank, offering a competitive 3.74% AER* (variable) interest rate. 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

Get more from your business credit card. Decision in 2 minutes.

Apply now

Page last reviewed on 26 June 2025

by Arianna Colomb