Business credit card with airport lounge access

Name: Capital on Tap Pro Business Credit Card
Brand: Capital on Tap
Rating: 4.9 (10941 reviews)

For £299 a year, get everything on the free card plus travel rewards that go further.

1.25% cashback on preloaded spend
Unlimited access to 1,800+ airport lounges
Convert points to Avios or Virgin Points at 1:1

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Credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Premium silver metal card

Radisson Rewards VIP status

Earn rewards on all business credit card spend

Come for the rewards, stay for the all-in-one spend solution. Change your plan at any time.

Free

£0/year

No annual fee

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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)
Convert reward points to Virgin Points (10 points = 8 Virgin Points)
Convert reward points to Go Coins for tickets, events, and concierge experiences
Top up your balance with your own funds with Preloading
Unlimited, free employee cards
No foreign exchange fees
24/7 customer support
Easy-access Instant Savings account*
Convert points to Radisson Rewards
6 months free Xero for first-time subscribers

Pro

£299/year

Billed annually

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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)
Convert reward points to Virgin Points (1 point = 1 Virgin Point)
Go Privilege Silver membership—exclusive discounts and priority access
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

1.25% cashback on preloaded spend

Top up your Capital on Tap Business Credit Card with your own money with Preloading and earn 1.25% cashback on every purchase made from that balance - 0.25% more than the standard 1% rate. Your preloaded funds are always used first.

Unlimited lounge access

Capital on Tap Pro gives you unlimited access to over 1,900 airport lounges and travel experiences worldwide through Priority Pass™. Your membership includes two free guest passes per year. Additional guests can enter for £30 per visit, per person.

The Priority Pass™ membership programme is provided by Priority Pass Limited and is subject to the "Priority Pass Conditions of Use," available on their website.

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Metal Capital On Tap Business Credit Card With A Plane Flying Over It

Travel further with Avios

Every pound you spend on Pro earns reward points you can convert to Avios at a 1:1 rate. Redeem them for flights, hotels, or cabin upgrades through British Airways or Qatar Airways Privilege Club. Your everyday business spending goes further.

Unlock Virgin rewards faster

Pro cardholders convert Capital on Tap points to Virgin Points at a 1:1 rate. Use them to book flights with Virgin Atlantic and SkyTeam partners, or redeem for Virgin Hotels, Virgin Voyages, Virgin Experience Days, and other rewards from Virgin.

Rated excellent by our customers

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Hand Tapping A Capital On Tap Pro Metal Visa Card Against A Contactless Card Reader On A Wooden Counter

10,000 bonus points

Earn 10,000 bonus points when you spend £5,000 in your first 3 months on Pro. That's worth £100 towards your balance, travel rewards, or gift cards. Available to customers who have not previously received a sign-up bonus.

This offer is only for customers who haven’t received a sign-up bonus before.

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Experience more with Go Privilege Silver

As a Capital on Tap Pro cardholder, you receive complimentary Silver membership with Go Privilege unlocking exclusive discounts and priority access across their network. Whether that's securing last-minute tickets to a sold-out concert or attending a must-see sporting event, your Pro plan takes you further than ever before.

Unlock your Go Privilege benefits

Radisson Rewards VIP status

Pro includes Radisson Rewards VIP status, the top tier of Radisson's loyalty programme. Benefits include Free Breakfast for two, Free Room Upgrade to the best category, and access to exclusive VIP areas in selected hotels.

Capital On Tap Pro Metal Visa Infinite Business Card On A Dark Textured Background

Premium metal card

The Capital on Tap Pro card is made from solid reinforced steel for lasting durability and a premium look. Available exclusively to Pro members.

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A Man Checking The Times On His Mobile Phone

Complimentary Times subscription

Your Pro plan includes a complimentary digital subscription to The Times and Sunday Times. Get business insights, expert analysis, and access to Times+ rewards on any device.

Dedicated 24/7 support

Pro members get priority access to our dedicated UK-based support team, 24 hours a day. Whether you need help with rewards or your account, we will sort it quickly.

Capital on Tap reviews

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Frequently asked questions

What is Capital on Tap Pro?

Capital on Tap Pro is a premium plan for UK small business owners at £299 per year. It includes unlimited airport lounge access, 1:1 Avios and Virgin Points conversion, 1.25% cashback on preloaded spend, a premium metal card, Radisson Rewards VIP status, and dedicated 24/7 support.

How is Capital on Tap Pro different from the Free plan?

The Free plan has no annual fee and earns 1% cashback on all spending. Pro costs £299 per year and adds 1.25% cashback on preloaded spend, unlimited airport lounge access, 1:1 Avios and Virgin Points conversion, a premium metal card, a complimentary subscription to The Times and Sunday Times, Radisson Rewards VIP status, and dedicated 24/7 support.

Is the Pro Card worth the £299 annual fee?

Yes. The card pays for itself through perks and cashback. Priority Pass membership alone is worth £467 per year, and a complimentary subscription to The Times and Sunday Times adds further value on top.

You can cover the fee through cashback alone: spend £23,920 on preloaded funds or Daily Repay at 1.25%, or £29,900 on regular credit at 1%.

Radisson Rewards VIP status and improved Avios and Virgin Points conversion rates add further value. New customers who have not previously received a sign-up bonus can earn 10,000 points (worth £100) by spending £5,000 in the first 3 months.

Values accurate as of 27/07/2026.

Can I access airport lounges in the UK with a business credit card?

es. Capital on Tap Pro includes unlimited access to over 1,900 airport lounges and travel experiences worldwide through Priority Pass, including UK lounges. Show the QR code from your Digital Membership Card at the entrance. Two free guest passes are included per year, and additional guests can enter for £30 per visit, per person.

How do I access airport lounges with Capital on Tap Pro?

Go to the ‘Rewards’ tab in your portal or mobile app to find your lounge access. Show the QR code from your Digital Membership Card at the lounge. No physical card or additional documentation is needed.

What other benefits do I get with my Priority Pass™?

In addition to lounge access, your Priority Pass membership includes 300+ non-lounge airport experiences including dining options, spa facilities and sleep pods. Additional guests can enter a lounge for £30 per visit, per person.

What is the Radisson Rewards VIP status?

The Radisson Rewards VIP status is the top tier of Radisson's loyalty programme. It gives frequent guests benefits such as Member Only Rates, Free Breakfast for two, Free Room Upgrade to the best category, and exclusive VIP access

Page last reviewed on 27 July 2026

by Arianna Colomb