Business employee cards

Name: Business Employee Credit Cards
Brand: Capital on Tap
Rating: 4.9 (11195 reviews)

Employee credit cards give your employees the freedom to pay for business expenses while keeping you in control of their spending.

Unlimited free company cards
Set custom limits for each card
Instantly freeze or unlock employee cards

Apply now

1% cashback on all card spend

No hidden charges or annual fees

Practical credit limits up to £250,000

Rates as low as 14.13% APR (variable)

Unlimited free cards for your team

Give your employees and contractors the freedom to buy what they need, when they need it.

No more delays with petty cash or reimbursements. Get as many employee cards as you need, at no extra cost.

The power of employee cards

Using a business credit card that allows multiple users helps your whole team and makes managing spending easier:

For employees

They get their own company card, so they don’t have to use personal money or wait for reimbursements. Buying work items is quick and simple.

For business owners

You always have a million things to do - so having spending visibility and control is key. Set spending limits for each card and track all transactions easily in your online account.

For the finance team

No more chasing receipts. All expenses are stored digitally in one place, making reports and bookkeeping faster and easier.

Ben Owner Of The Adventure Element Square

Being able to have multiple employee cards is really useful for us, and the process of getting a new card is super easy.

Ben Keen
Owner of The Adventure Element

Read our customer stories

Capital On Tap Business Credit Card Spend Controls

Set spending limits for every employee

Stay in control by choosing how much each team member can spend. Set daily, monthly, or per-transaction limits to match their role and responsibilities.

It’s a simple way to prevent overspending and keep your business budget on track.

Apply now

Capital On Tap Business Credit Card Transaction Notification

Track spending in real time from your phone

Keep an eye on company card spend with the Capital on Tap mobile app.

Get clear, real-time updates on your transactions and see what each employee is spending. Add notes, easily organise transactions by category, and stay on top of your business expense cards—anytime, anywhere.

Capital On Tap Business Credit Card Receipt Upload

Upload transaction receipts

Say goodbye to lost receipts and messy paperwork.

Employees can take a photo and upload it straight to the transaction in your account. All your records stay clear, organised, and easy to access when it’s time to reconcile or do your taxes.

Apply now

Florist On The Phone With Capital On Tap Business Credit Card

Freeze or unlock employee cards instantly

If a card is lost or an employee leaves the business, you can freeze or reactivate their card immediately.

Manage this quickly through your app or online portal to keep your business spending secure.

Rated excellent by our customers

4.9/5 Apple App Store

4.9/5 Google Play Store

4.7/5 Trustpilot

Alex Miles Capital On Tap Uk Managing Director Square

Employee cards allow small business owners to empower their team while maintaining control over spending. By providing staff with their own cards, companies can streamline expense management, improve accountability, and boost productivity by eliminating time-wasting reimbursement processes.

Alex Miles
Chief Operating Officer at Capital on Tap

Cut admin time with employee cards

Dealing with things like petty cash, collecting receipts, and managing paperwork takes a lot of time. It means your team isn’t as productive as they could be!

With employee cards, you skip all those headaches. Employees can buy what they need and those transactions are instantly tracked, categorised and stored. Thanks to our seamless accounting integrations, updating your books is as easy as syncing your data.

Your team spends less time on admin and more time on work that grows your business.

Capital On Tap Business Credit Card And Rewards Gift Cards

Earn rewards as your team spends

The more your employees use their cards, the more rewards your business earns. Enable larger employee purchases with Preloading by adding your own funds.

Use your points to reduce your balance, convert them to Avios or Virgin Points for travel, withdraw as cash, or choose from popular gift cards.

Apply now

Capital On Tap Virtual Credit Card Details

Get new team members spending from day one

New hires or contractors can start spending day one with free virtual cards — and earn rewards for your business from their very first spend.

Capital on Tap reviews

Empower your team with free employee cards

Apply now

Frequently asked questions

What is a business expense card?

A business expense card is a payment card issued to staff members to cover business-related costs. These are also known as corporate credit cards or employee expense cards.

Each card is assigned to an individual, which helps streamline expense reporting and reduces the need for manual reimbursements. To ensure security, it’s important to have a clear company policy. Read our guide on using your business credit card effectively for more advice on issuing employee cards responsibly.

How can an employee get a new Capital on Tap card?

For existing or new employees, including contract workers, getting a Capital on Tap expense card is easy.

Simply visit the Cards page in your account and select 'Request New Card'. Provide the employee's name and mobile number. They'll receive a link to confirm details and agree to the terms. Once approved, their new card will be issued.

How much are employee cards?

Our employee cards are completely free. Some providers charge additional fees for adding supplementary employee cards, but Capital on Tap never charges for this, no matter how many users you add!

This makes our offering one of the truly free business credit cards for multiple users and employees.

What are the common risks associated with employee credit card usage?

The common risks are employee misuse (unauthorised personal purchases), overspending due to unclear or absent limits, and operational risk if your business lacks a clear expense policy. Remember, the primary cardholder is ultimately liable for all debt on the account.

How can I issue employee cards safely?

The most important step is to combine two things: set clear spending limits on each card and require mandatory expense documentation. Your company's formal expense policy must define acceptable purchases (e.g., fuel vs. personal dining) and mandate that receipts are submitted quickly. This prevents surprises and ensures compliance. For a full checklist on setting up your internal rules, see our guide To Using Your Business Credit Card Effectively.

Page last reviewed on 24 June 2025

by Arianna Colomb