Florist On The Phone With Capital On Tap Business Credit Card
Florist On The Phone With Capital On Tap Business Credit Card

Cashback Business Credit Card

Unlock rewards for your everyday business expenses with a cashback business credit card.

Point 1

1% unlimited cashback with no annual fee

Point 2

Multiple reward redemption options

Point 3

Upgrade for Avios points 

Point 4

No annual or foreign exchange fees

Paying With Capital On Tap Business Credit Card
Paying With Capital On Tap Business Credit Card

What’s a cashback business credit card?

A cashback business credit card is a type of credit card that gives businesses a percentage of their spending back as cash, statement credit, gift vouchers or airmiles, as a reward for using the card. Cashback business credit cards are a simple way to earn benefits from your everyday business expenses.

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

How does cashback for credit cards work?

A cashback credit card functions similarly to a standard credit card, with the added benefit of earning rewards on your purchases.

With the Capital on Tap Business Credit Card you get a flat 1% of your money back on all your card spending, no matter where you use it. 

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Capital on Tap rewards

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

Capital On Tap Business Credit Card Rewards
Capital On Tap Business Credit Card Rewards

Your business, your points, your way

Earn 1 point for every £1 you spend on your Capital on Tap Business Credit Card. 

Spend £50,000 and be rewarded with £500 in points to reinvest in your business, treat your employees, or spend on yourself.

Woman Holding Capital On Tap Business Credit Card
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 use them to purchase discounted gift cards. Upgrade to our Business Rewards program to exchange points for Avios.

Two People Doing Accounts
Two People Doing Accounts

Slash your credit card bill

Use your cashback rewards to pay your outstanding balance.

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

Holding Capital On Tap Business Credit Card In Front Of Laptop
Holding Capital On Tap Business Credit Card In Front Of Laptop

Put cash in your wallet

Prefer the freedom of cash in hand? No problem.

Transform your rewards points into cash and have it deposited into your bank account, ready to spend as you please.

Capital On Tap Business Credit Card And Rewards Gift Cards
Capital On Tap Business Credit Card And Rewards Gift Cards

Get more for less with discounted gift cards

Treat yourself to discounted gift cards from top retailers. 

Use your points to grab discounted gift cards from leading retailers including Amazon, John Lewis, Tesco, and Airbnb.

Barista Holding Capital On Tap Business Credit Card
Barista Holding Capital On Tap Business Credit Card

Go further with Avios

Unlock travel rewards with Capital on Tap's Business Rewards programme. Redeem your rewards points for Avios and enjoy:

  • Flights and cabin upgrades
  • Hotel stays
  • Car hire
  • Tours and experiences 
  • The Wine Flyer
  • High Life Shopping

Capital on Tap reviews

Frequently asked questions

Choosing a business cashback credit card requires careful consideration to ensure it aligns with your specific business needs and financial goals. To help you make an informed decision: 

  • Compare cashback rates: Different credit cards offer varying cashback rates. Look for a card that offers competitive cashback rates in the categories where you spend the most. Also, consider whether the cashback is a fixed rate or if it varies depending on the purchase type.
  • Annual fees: Many business credit cards come with annual fees. Evaluate whether the potential cashback earnings outweigh the annual fee cost. 
  • Redemption options: Consider the flexibility of redemption options. Look for a card that allows you to redeem cashback as statement credits, as a direct deposit into your bank account, or as gift cards, depending on your preference.

Choosing a business cashback credit card that aligns with your business needs and financial goals can be a smart way to save money and maximise your purchasing power. Careful consideration of the above factors will help you make an informed decision.

Have a discussion with your accountant or tax professional regarding your decision about earning and utilising your rewards. Be mindful that certain types of rewards may have potential tax implications and the responsibility of working out any tax liability that may arise sits with the customer. Seeking guidance from a qualified professional will help ensure that you are well-informed and compliant with any relevant tax regulations.

Page last reviewed on 15 November 2023

by Lily Winnan