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1% cashback business credit card

Turn every business expense into money back. Simple, straightforward rewards with no annual fee.

  • Unlimited 1% cashback on all card spend
  • Redeem points for cashback, gift cards, and more
  • Convert points to Avios or Virgin Points
Apply now
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Trusted by 200,000+ UK businesses

Trusted by 200,000+ UK businesses

Credit limits up to £250,000

Credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Rates as low as 13.86% APR (variable)

Auto-sync with accounting software

Auto-sync with accounting software

See how much cashback you could earn

See exactly how much cashback your business could earn with the Capital on Tap Business Credit Card. Move the slider to match your monthly spending.

Monthly spend

£1,000 £250,000

Estimated yearly earnings:

Calculated based on

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The estimated yearly cashback is illustrative only and assumes the same monthly spend is maintained consistently over 12 months. Actual cashback may vary depending on your spending patterns and other factors.

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Capital on Tap rewards explained

See how Capital on Tap rewards work in under 2 minutes.

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How to choose the right cashback business card

The right cashback card earns you more without hidden fees eating into your rewards. Here's what to look out for.

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Cashback rate

Earn 1% cashback on everything you buy with your Capital on Tap Business Credit Card. Pro customers get 1.25% back when they spend from preloaded funds. Either way, your everyday purchases work harder for your business.

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Eligible spend

You earn 1% back on every purchase you make with your Capital on Tap Business Credit Card. Travel, tools, office supplies, and everything in between. No categories, no exceptions, no complicated rules.

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Fees

There's no annual fee and no foreign transaction fees with your Capital on Tap Business Credit Card. Use your card anywhere in the world and keep earning cashback while you do it.

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Interest rate

Rates start from 13.86% APR (variable) on your Capital on Tap Business Credit Card. Pay your balance in full each month and you won't pay any interest at all.

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Extra benefits

Your Capital on Tap Business Credit Card comes with free employee cards as standard. You also get virtual cards for online payments and can top up your account with your own money any time.

Paola Looking Directly At The Camera

I think what I love most about Capital on Tap is that every time I make a business purchase, you guys give me 1% back—which I’ve never had before. It’s been such a game-changer for my business.

Paola Ash
Owner of The Chelsea Clinic
Read our customer stories
Capital On Tap Business Credit Card Rewards

Turn your spending into rewards

You earn 1 point for every £1 you spend. Spend £50,000 and that's £500 in points, yours to use however you like: 

  • Convert to Avios or Virgin Points for flights and hotel stays
  • Pay off your credit card bill 
  • Withdraw as cash to your business bank account
  • Reward your team with gift cards from Amazon, John Lewis, Tesco and more
Apply now
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Get more cashback with Preloading

Preloading lets you top up your Capital on Tap Business Credit Card with your own money so you can spend more without raising your credit limit. You still earn cashback on every purchase, just like with credit. If you're on the Pro plan, you earn 1.25% cashback on preloaded spending.

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Keith Director Of Soho Scarves

The 1% cashback on all expenses is fantastic. It’s really helped with managing costs and getting a bit back on every purchase.

Keith Whitehead
Founder of Soho Scarves
Read our customer stories
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Turn cashback into travel rewards

Your points can go towards your next trip. Convert them to Avios for flights and upgrades with The British Airways Club or Qatar Airways Privilege Club, to Virgin Points for flights, experiences and rewards from Virgin, or to Radisson Rewards for hotel stays around the world

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Lower your credit card bill

Use your points to reduce your balance. 40,000 points = £400 off your bill. That's money straight back into your business.

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Put cash in your wallet

Want cash instead? Turn your points into money and send it straight to your business bank account. You can also send to any other bank account at a slightly lower rate.

Capital On Tap Business Credit Card And Rewards Gift Cards

Treat yourself to gift cards

Spend your points on gift cards from Amazon, John Lewis, Tesco, and more. A great way to treat yourself or thank your team.

Alex Miles Chief Operating Officer at Capital On Tap

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.

Rewards Points History

How do I keep track of my cashback?

You can check your cashback balance any time in the Rewards section of your online portal or app. You'll see exactly how much you've earned each day, plus any bonuses, redemptions, and adjustments — all in one place.

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Frequently asked questions

A cashback business credit card gives you money back every time you spend. You earn a percentage of what you spend — returned to you as a reward. With the Capital on Tap card, you earn 1% back on everything. Spend £1,000 on office supplies and you'll earn £10 in points. You can redeem those points for cashback, gift cards, or convert them to Avios or Virgin Points.

A business cashback credit card gives you a percentage of your spending back as a reward. With the Capital on Tap Business Credit Card, you earn 1 point for every £1 you spend. 1,000 points equals £10. You can redeem those points for cashback, travel rewards, or gift cards.

Whether cashback is taxable depends on how your business is set up. HMRC provides guidance, but the rules vary by business type. We recommend speaking to an accountant to understand your specific situation. They can review the latest regulations and advise you on your tax responsibilities.

Many cashback cards charge annual fees or foreign transaction fees that reduce your rewards. Some also have interest charges, late fees, or costs for employee cards. 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 no annual fee at all. It also doesn't charge foreign transaction fees or for employee cards.

Look for three things: the cashback rate, any annual fees, and whether there are limits on what you can earn. The Capital on Tap Business Credit Card offers 1% cashback on everything, with no annual fee and no earning cap.

With the Capital on Tap Business Credit Card, your points are available as soon as a purchase clears. You can redeem them against your balance, convert to Avios or Virgin Points, choose a gift card, or transfer as cash to your bank account.

To apply for a Capital on Tap Business Credit Card, you'll need to meet a few criteria:

  • You are an active director of the company or majority shareholder of 25%+ ownership.
  • Your business is registered as a private limited company (Ltd) or limited liability partnership (LLP). 
  • You and your business are based in the UK.
  • You have no unsatisfied CCJs against you or your business in the last 12 months. 
  • Your business is not a high-risk industry.

For more details on eligibility, including a list of high-risk industries, visit our eligibility guide.

Page last reviewed on 27 July 2026

by Arianna Colomb