Earn up to 1.25% cashback on all card spend

Power your business with a free Visa card and turn every expense into cashback, Avios, and rewards for you to enjoy.

Earn 1.25% cashback on preloaded spend, and 1% on all other card spend
Issue unlimited free employee cards with custom spending limits
Spend globally with no annual, FX, or ATM fees

Apply now

Builder Holding Capital On Tap Business Credit Card

Trusted by over 200,000 businesses

Convert points to Avios, cash, and more

Auto-sync with accounting software

Rates as low as 14.13% APR (variable)

Earn more from your card spend

See how your business credit card cashback adds up—turn everyday business spending into real rewards.

Monthly spend

£50,000 £500,000

Estimated yearly earnings:

Calculated based on

Apply now

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.

Cashback Redemption Options, Including Gift Cards And Travel Rewards

Flexible rewards, your way

We believe running your business is its own reward. The points you earn are a bonus—just for you.

Every pound you spend on business essentials earns points for your personal passions. Convert them into Avios to upgrade your next holiday, book a luxury stay with Radisson Rewards, treat yourself with high-street gift cards, or simply redeem them for cash.

Your business works hard. Your rewards should play hard.

We used our points to pay for 7 employees’ flights to Vegas. After converting our cashback to Avios we only had to pay £75 for each flight ! Using our points brought the cost right down so we could justify the trip.

Harry Harvey
Owner of GarageStyle Flooring

Read our customer stories

More benefits with Pro

Choose our powerful Free card for essential spend management, or upgrade to Pro to unlock premium rewards and exclusive travel benefits.

Free

£0/year

No annual fee

Apply now

Uncapped 1% cashback on all card spending
Exclusive offers at partner brands
Redeem points against your balance, for cash, or for gift cards
Convert reward points to Avios (10 points = 8 Avios, with The British Airways Club or Qatar Airways Privilege Club)
Top up your balance with your own funds with Preloading
Unlimited, free employee cards
No foreign exchange fees
24/7 customer support
Up to 4.07% AER* (variable) Instant Savings account**
Convert points to Radisson Rewards
3 months free Xero for first-time subscribers

Pro

£299/year

Billed annually

Apply now

Everything from Free, plus:

10,000 bonus points when you spend £5,000 on your card in your first 3 months
Earn 1.25% on all preloaded card spend
Complimentary subscription to The Times
Convert reward points to Avios (1 point = 1 Avios, with The British Airways Club or Qatar Airways Privilege Club)
Unlimited access to 1,600+ airport lounges for the main card holder
Two free guest lounge passes per year and guest discounts
Radisson Rewards VIP status
Premium metal card
Dedicated 24/7 customer support
6 months free Xero for first-time subscribers

Everything your business needs, made easy

Easy to get started

Get an instant decision with our simple online application. Our quick onboarding means you're ready to spend, without impacting your personal credit score.

Easy to spend

Start spending online securely within minutes of approval with your instant virtual card, and issue unlimited employee cards for free.

Easy to manage

Seamlessly sync with your accounting software to automate expense reports and get a clear, real-time view of all your business spending in one convenient place.

Rated excellent by our customers

4.9/5 Apple App Store

4.8/5 Google Play Store

4.7/5 Trustpilot

Uncapped business rewards

Turn everyday expenses into an opportunity. With the Capital on Tap Business Credit Card, you’ll earn cashback on every pound you spend.

Standard spending: Earn uncapped 1% cashback on all card purchases.
Boost your rewards: Unlock an enhanced 1.25% cashback on all spending from your Preloaded funds.

High limits, total flexibility

Access credit limits up to £250,000 to match the scale of your operations. For larger purchases, our Preload feature lets you add your own funds to expand your spending power while earning boosted cashback.

Capital On Tap Business Credit Card Team And Roles

Empower your team with control

Issue unlimited free company cards to your team while staying in complete control. Set custom spending limits for each card, track all purchases in real-time, and empower your staff to make essential purchases with total visibility.

Smart accounting integrations

Connect your account with leading platforms like Xero, QuickBooks, and Sage. Our integration automates expense reporting to save your finance team valuable time and eliminate manual errors.

Capital on Tap reviews

Start spending in minutes

Apply now