Business travel credit card

Name: Business Travel Credit Card
Brand: Capital on Tap
Rating: 4.9 (11195 reviews)

Turn every business purchase into travel rewards. Spend abroad with no foreign exchange fees.

Convert points to Avios or Virgin Points
Access 1,800+ airport lounges worldwide with Pro
Radisson Rewards VIP status with Pro

Apply now

Woman In Wine Shop Holding Capital On Tap Business Credit Card with Moneyfacts 5-Star Product Rating

Trusted by 200,000+ UK businesses

1% cashback on all card spend

Credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Open Tan Textured Wallet With Keys Attached, Showing A Capital On Tap Card, UK Driving Licence, And A Trenitalia Train Ticket Tucked Alongside Cash

What is a business travel credit card?

A business travel credit card helps business owners earn rewards on work spending, avoid foreign exchange fees, and travel more comfortably. With Capital on Tap you get:

Earn reward points on every purchase, convertible to Avios or Virgin Points
No foreign exchange fees when spending abroad
Easy expense tracking and reporting
Travel discounts and upgrades

Apply now

The card built for business travel

Pay no foreign exchange fees. Use your card for all overseas purchases and keep the full value of every transaction.
Earn air miles on everyday spending. Every £1 spent earns 1 point, convertible to Avios through The British Airways Club or Qatar Airways Privilege Club or to Virgin Points for flights and upgrades.
Upgrade to Pro for lounge access. Get unlimited access to over 1,900 airport lounges and travel experiences worldwide with Priority Pass for £299 a year with Pro.

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How to choose the right business credit card for travel?

Here are some tips to choose the right business travel credit card for you:

Review your travel patterns

Consider how much you spend each year on flights, hotels, and international travel. Is your travel mostly in the UK or overseas? Are there airlines or hotel chains you use often?

Assess rewards offerings

Check how many points or air miles you’ll earn for every £1 you spend. This makes it easy to see the potential value you could get back from your annual card spending.

Evaluate the programme overall

Can you easily use your points with your favourite airlines and hotels? Look for any limits or restrictions that might get in the way of how you usually travel.

Mind the fees

Weigh the annual fee against the rewards you expect to earn. Ideally look for a card with no foreign exchange fees, so you can spend abroad without extra costs.

Consider extras

Some cards give extra perks—like free employee cards, tools to track spending, or more ways to use your points. These can make running your business easier.

Don’t forget sign up bonuses

Many cards give a big points boost when you first join and meet a spending target. This can help you earn rewards faster.

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

Convert points to Avios

Every purchase earns reward points you can convert to Avios and spend on flights, hotel stays, and upgrades through The British Airways Club or Qatar Airways Privilege Club.

Apply now

Qatar Airways Privilege Club

Your Avios go further with Qatar Airways Privilege Club. Use them for:

Flights on Qatar Airways, oneworld® and partner airlines
Cabin upgrades
Use them with Qatar Airways Holidays and Qatar Duty Free
Exclusive Privilege Club Collection experiences

Apply now

Explore with Virgin Points

Convert your Capital on Tap points to Virgin Points and access flights, experiences, and and use points to pay for any available seat on any flight with Virgin Atlantic, and unlock a world of rewards from Virgin and brands you love.

Apply now

Radisson Rewards

Convert your Capital on Tap points to Radisson Rewards points and book stays at hundreds of hotels around the world.

Pro customers also get Radisson Rewards VIP status with Free Breakfast for two, Free Room Upgrade to the best category, and access to exclusive VIP areas in selected hotels.

Capital On Tap Business Credit Card And Rewards Gift Cards

Travel smart with gift cards

Use your points on travel-focused gift cards from Airbnb, Hotels.com, Virgin, and more.

Apply now

Unlimited access to airport lounges

With Capital on Tap Pro, you get unlimited access to over 1,900 airport lounges and travel experiences worldwide through Priority Pass™. Your membership includes two complimentary guest passes each year. Additional guests can join at £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.

Nik Haukohl, Product Director At Capital On Tap

As small business owners navigate the global marketplace, travel business credit cards are essential tools that turn expenses into rewards. With integrated expense management, no foreign exchange fees, and rewards points these cards empower entrepreneurs to make the most of every trip.

Nik Haukohl
Product Director at Capital on Tap

A Hand Holding The Pro Metal Card Over A Patterened Table Cloth In What Looks Like A Hotel Room, With A Duish With A Hotel Key In The Background

Want every travel benefit?

Upgrade to Pro for unlimited lounge access, 1:1 Avios and Virgin Points conversion, and 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

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)
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

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)
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

A Collage Showing Happy Capital On Tap Customers

Why choose Capital on Tap?

Over 200,000 small businesses have spent more than £20 billion with Capital on Tap Business Credit Cards. Read their stories to see why.

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Trusted by over 200,000 businesses

Capital on Tap reviews

Apply now and earn unlimited travel rewards. Decision in 2 minutes.

Apply now

Frequently asked questions

What are the advantages of a business card with no foreign exchange fees?

Most business credit cards charge 2-3% on every overseas transaction. With Capital on Tap, there are no foreign exchange fees. If you spend £5,000 on overseas business travel in a year, a typical 2.5% FX fee would cost you £125. With Capital on Tap, that saving goes straight back into your business.

How do I convert my reward points to Avios or Virgin Points?

Log in to your account or mobile app and go to ‘Rewards’. On the free plan, points convert to Avios and Virgin Points at 10:8. Pro customers convert to both at 1:1. For Avios, you'll need your British Airways Club or Qatar Airways Privilege Club account details. For Virgin Points, you'll need your Virgin Red or Virgin Atlantic Flying Club account details.

What is Priority Pass and which Capital on Tap card includes it?

Priority Pass gives you access to over 1,900 airport lounges and travel experiences worldwide. It is included with the Capital on Tap Pro Business Credit Card, along with two free guest passes per year. Additional guests can enter for £30 per visit, per person.

Do I pay foreign exchange fees when spending abroad?

No. The Capital on Tap Business Credit Card has no foreign exchange fees. You can spend in any currency without extra charges.

What should I do if my card is lost, stolen, or used fraudulently while abroad?

If your card is lost, stolen, or you see an unauthorised charge, your first step should be to freeze it instantly using the mobile app. This immediately stops all spending.

After freezing the card in the app, you must call our support team immediately. Our support line is available 24/7, no matter where you are in the world. We will confirm the block, start the process for issuing a replacement card, and investigate any unauthorised use.

Does Capital on Tap offer travel insurance?

No, the Capital on Tap Business Credit Card does not include travel insurance. However, it comes with no foreign exchange fees, so you can spend abroad at no extra cost. You can also earn points on all your spending and convert them to Avios or Virgin Points for flights and travel rewards.

Page last reviewed on 27 July 2026

by Arianna Colomb