Run your business better with

Making the lives of small business owners easier

Our application? Easy. Rewards program? Easy. Contacting a human in support? Easy.

Because running your business is hard.

But having a business credit card that is tailor-made for small businesses is, well, easy.

Capital on Tap rewards explained

Earn 1% cashback on everyday business spending like bills, operating costs and general expenses when you use your Capital on Tap card.

Our free account comes with uncapped 1% cashback on all card spending with flexible ways to redeem your rewards.

Issue cards to all your employees at any time. 

• Organise all your business spend in one place
• Set smart limits to monitor and control their spending
• Get real-time notifications at any spend threshold you choose

Manage your Capital on Tap Business Credit Card transactions in Xero, FreeAgent, Freshbooks, and more

• Easily categorise your expenses for streamlined accounting
• Your transactions will auto-sync daily - so you can set it and forget it
• Sync up to 90 days in the past right now

No robots in our repertoire. Call and a real person will answer, in 10 seconds or less, at any time.

No annual, foreign exchange, or ATM fees.

Start spending instantly with your virtual card or use your credit limit to transfer cash directly to your bank account.

You can add your Capital on Tap cards to Apple Pay or Google Pay and use it wherever you see the contactless logo.