Cashback Business Credit Card

Name: Cashback Business Credit Card
Brand: Capital on Tap
Rating: 4.9 (10711 reviews)

Get money back on everyday business expenses when you use a cashback business credit card.

1% cashback on all card spend
Redeem points for cashback, gift cards, and more
Convert points to Avios for free*

Apply now

Florist On The Phone With Capital On Tap Business Credit Card

Trusted by over 200,000 businesses

Practical credit limits up to £250,000

Rates as low as 14.40% APR (variable)

No annual, FX, or ATM fees

Paying With Capital On Tap Business Credit Card

What is a cashback business credit card?

A cashback business credit card gives your business money back on purchases. You get a percentage of your spending returned to you as a reward for using the card.

With a 1% cashback card like the Capital on Tap Business Credit Card, say you use it to buy £1,000 of office supplies this month. That means you’ll have £10 worth of points available. You can use these points for cashback, Avios, gift cards, and more.

Apply now

Falling Cards Full Feature Mobile Dark (1) (1)

How does cashback for credit cards work?

A cashback credit card works similarly to a normal credit card. But you get an extra perk - you earn rewards on your spending. With the Capital on Tap Business Credit Card you earn 1% cashback on all card purchases. That means for a £25,000 purchase you earn £250 cashback!

Earn cashback faster with Preloading by adding your own funds to increase your spending capacity. Pro customers unlock even greater rewards with an enhanced 1.25% cashback on all preloaded transactions — turning a £25,000 preloaded spend into £312 back!

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How to choose the right cashback business card

There are a few things to consider to find the right cashback business credit card for you and your business.

Cashback rate

Capital on Tap offers an unlimited 1% cashback on all purchases made with the card. This straightforward flat rate makes it easy to maximise your cashback earnings on every business expense.

Eligible spend

There are no confusing category restrictions - you earn 1% back on absolutely all of your card spending, whether it's office supplies, travel, advertising, or anything else your business needs.

Fees

Capital on Tap's card charges no annual fee and no foreign transaction fees, allowing you to earn cashback globally without extra charges eating into your rewards.

Interest rate

Capital on Tap offers competitive rates as low as 14.40% APR (variable) to keep borrowing costs manageable if you carry a balance, and it's interest-free if you repay your balance in full on a monthly basis.

Extra benefits

You can get employee cards at no extra cost and take advantage of virtual cards for convenient spending. Plus, Preloading allows you to add your own funds to increase spending power.

Capital on Tap rewards explained

Discover the rewards of business ownership, starting with your spending!

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Dale Phillips Owner Of Surge Engineering

This card’s 1% cashback is one of the best out there.

Dale Phillips
Director at Surge Electrical Engineering

Read our customer stories

Capital On Tap Business Credit Card Rewards

Your business, your points, your way

With the Capital on Tap card, you earn 1 point for every £1 spent.

Spend £50,000 on your card and you'll have £500 in points. Use them for:

Reinvesting in your business
Employee rewards
Redeeming for gift cards
Converting to Avios

Preloading puts more of your own money on the card. This amplifies your spending ability, which helps you earn points faster.

Turn rewards into travel

Your points can now be converted to Avios at no extra cost*. Transform everyday business spending into flights, hotel stays, and travel upgrades through British Airways Executive Club and its partners.

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

Maximise your cashback with Preloading

Preloading lets you add your own money to your card's credit limit. This raises the limit so you can earn more rewards.

For example, say you need to pay a supplier £70,000. But your card limit is £50,000. Add £25,000 of your own funds to preload the card balance. Now you can pay the full £70,000. And you'll earn 1% cashback on the entire payment. Plus, if you’re a Pro customer, you can earn an enhanced 1.25% on the £25,000 of preloaded funds.

Alex Miles Capital On Tap Uk Managing Director Square

For small businesses, every penny counts. Our 1% cashback lets entrepreneurs earn rewards simply by paying for the things they need to run their operations. By putting cash back into their hands, we're helping them stretch their budgets further and keep more profits in their pockets where it belongs.

Alex Miles
Chief Operating Officer at Capital on Tap

Woman Holding Capital On Tap Business Credit Card

Unlimited free 1% cashback

Get more from your spending.

Redeem your rewards against your balance, turn them into cash or Avios, or use them to purchase gift cards.

Apply now

Lower your credit card bill

Use your cashback to pay your outstanding balance.

Have 40,000 rewards points? That's £400 off your bill, giving you more money to invest in growing your business.

Holding Capital On Tap Business Credit Card In Front Of Laptop

Put cash in your wallet

Want your rewards as cash? Simple.

Convert points to cash. Have it deposited into your business bank account. Spend the money however you choose.

Apply now

Capital On Tap Business Credit Card And Rewards Gift Cards

Your points, your choice

Treat yourself to gift cards from top brands.

Use your points on vouchers from Amazon, John Lewis, Tesco, and AirBnB. It’s a simple way to treat yourself or your team.

Capital on Tap reviews

Start earning cashback today. Decision in 2 minutes.

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Frequently asked questions

Is cashback taxable for a business?

Talk to your accountant about taxes on rewards. Some cashback and gifts may have tax rules. It's your responsibility to know potential taxes. An accountant can advise you on the regulations. Being informed ensures you use rewards the right way.

What fees come with a cashback business credit card?

A lot of cashback business cards charge annual fees, which cuts into your rewards earning. Some also have foreign transaction fees for international spending. Other potential fees could include interest charges, late payment fees, and fees for employee cards.

However, the Capital on Tap Business Credit Card has no annual fee unless you upgrade to Pro for £299 per year. The free 1% cashback card has absolutely no annual fee. It also doesn’t charge foreign transaction fees or for employee cards.

Who is eligible for a cashback business credit card?

Most cashback business credit cards will require your business to have been operating for at least 6 months. Your business will usually have to meet specific revenue thresholds set by the card issuer.

You’re eligible for a Capital on Tap card if:

You are an active director of the company or majority shareholder of 25%+ ownership. If neither of these titles matches your role within the company we will unfortunately not be able to accept your application
Your business is registered as a private limited company (Ltd) or limited liability partnership (LLP)
You and your business are based in the UK
Your business has a turnover of at least £24,000 per annum
You have no unsatisfied CCJs against you or your business in the last 12 months

When is my cashback available to redeem?

With the Capital on Tap Business Credit, your 1% cashback is available as points immediately after you spend on the card. You can redeem these against your balance, convert to Avios for travel rewards, choose from popular gift cards, or as cash to your business bank account.

Page last reviewed on 11 June 2024

by Holly Woodward