Virtual credit cards for business

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

Create free virtual cards in seconds. Protect your business from fraud, keep spending organised, and start using them the moment you're approved.

Set spending limits
Minimise the risk of fraud
Manage costs by project or supplier

Apply now

Virtual Cards with Moneyfacts 5-Star Product Rating

1% cashback on all card spend

No annual, FX, or ATM fees

Credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Why should I get a virtual card?

Virtual cards are versatile tools for businesses, offering tailored solutions:

Safer spending online

Minimise the risk of fraud by creating unique corporate virtual cards for each online transaction.

Stay in budget

Set specific spending limits on cards for freelancers, contractors, and team travel.

Financial freedom

Get a new virtual card for every work trip. It makes it easy to track spending and see what you paid for.

Protect your subscriptions

Get separate virtual cards for each subscription you have. If one card has issues, your other subscriptions will still work fine and avoid any pauses.

Capital On Tap Virtual Credit Card Details (1)

How to set up a virtual card

It’s quick and free to create a virtual card using your app or online portal:

Log in and go to the "Cards" page
Click "Add a new card"
Select or add the employee who will use the card
Choose "Virtual card" and continue
Review card details and set an optional spending limit

Click confirm and your virtual card is ready to use.

Apply now

Rated excellent by our customers

4.9/5 Apple App Store

4.9/5 Google Play Store

4.6/5 Trustpilot

Person Using Capital On Tap Virtual Card To Pay For Flowers

Start spending the moment you’re approved

As soon as your Capital on Tap account is approved, you can create virtual cards and start spending. No need to wait for anything in the post — pay urgent invoices and bills immediately.

Apply now

Use your card online or in-person

Virtual cards work for online and in-store purchases. Add your virtual card to Google Pay or Apple Wallet for contactless payments anywhere you see the contactless logo.

Stay safe from fraud

Create a unique virtual card for each online payment. If anything looks off, just cancel that card and create a new one in seconds. This keeps your main account safe and gives you more control over where your money goes.

Replace your physical card immediately

Lost or had your card stolen? Create a virtual card straight away and carry on while you wait for a replacement to arrive.

Rebecca Alford Chief Financial Officer at Capital on Tap

Virtual credit cards are becoming an essential tool for businesses looking to streamline spending, enhance security, and gain better control over their finances. Instead of using your main credit card everywhere, you can create a unique virtual card number for each website or supplier you buy from. You can also set spending limits and expiration dates on virtual cards to control costs better.

Rebecca Alford
Chief Financial Officer at Capital on Tap

Capital On Tap Business Credit Card Spend Controls

Set spend limits for specific uses

Give each virtual card its own spending limit. Use it for things like travel, supplies, or team expenses. This helps you stick to your budget and avoid surprise costs.

Name Your Capital On Tap Business Credit Card

Track spending by vendor

Create a virtual card for each supplier and subscription. It makes it easy to track where your money’s going, keep things organised, and stop costs from creeping up on you. You can also quickly cancel cards to stop unwanted renewals and avoid surprise charges.

Apply now

Florist On The Phone With Capital On Tap Business Credit Card

Manage recurring payments and subscriptions

Virtual cards make it easy to spot and cancel unwanted renewals, so you stay in control of recurring costs.

Apply now

Capital on Tap reviews

Free virtual cards, no annual fee. Decision in 2 minutes.

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Frequently asked questions

What is a virtual credit card for a business and how does it work?

A virtual card is a digital version of a credit card with its own unique card number, expiry date, and security code. You can use it to pay online or through a mobile wallet like Apple Pay or Google Pay, with no physical card needed. With Capital on Tap, you can create virtual cards instantly from your app or portal, set individual spending limits, and cancel any card at any time.

What are the benefits of virtual credit cards?

Virtual cards help keep your business safer. You can:

Track spending easily
Get real-time alerts
Create cards straight away to pay urgent bills
Keep tighter control over staff or project costs

Can I use a virtual credit card in-store?

Yes, you can add virtual cards to your phone’s virtual wallet (Google or Apple Pay) and tap to pay as usual, without needing your physical wallet.

Can I use a virtual credit card at an ATM?

No. Since virtual cards are for online or mobile wallet payments only, you cannot use them at an ATM to withdraw cash or check information.

Are virtual credit cards safe?

Yes, virtual cards are safer than using your main card for online payments. Each virtual card has unique details - if one is compromised, you cancel it and create a new one instantly without affecting your main account or any other cards. You can also set spending limits and expiry dates on each card for even tighter control.

Is there a limit to the number of virtual cards I can create?

Yes. With Capital on Tap, the main account holder can create up to 5 virtual cards per day. Each cardholder on the account can hold up to 50 virtual cards, and the overall account limit is 99 virtual cards across all cardholders. Virtual cards are free to create.

Page last reviewed on 27 July 2026

by Arianna Colomb