Business credit cards that are more rewarding

Name: Business credit card
Brand: Capital on Tap
Rating: 4.9 (11195 reviews)

Get more from your business spending. Access funds, higher credit limits, and rewards, all designed with your small business in mind.

1% cashback on all card spend
No annual, FX, or ATM fees
Convert points to Avios for free

Apply now

Barista Holding Capital On Tap Business Credit Card with Moneyfacts 5-Star Product Rating

Credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Convert points to Avios, Virgin Points & more

Applying won't affect your credit score

Capital On Tap Visa Card And Phone Showing A £50,000 Credit Approval On The App, Resting On A Designer's Workbench With Fabric Swatches And Paint Tins

Open an account online today

Apply and get a decision in 2 minutes
Start spending with virtual cards straight away
Physical card arrives in 2-5 business days

Apply now

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Spending On Capital On Tap Business Credit Card

What is a business credit card?

Business credit cards are financial tools for businesses. It works like a personal credit card but is used for business expenses. It lets you make purchases on credit, manage cash flow, track spending, and build a separate credit history. This helps to keep your personal and business expenses separate, and often offers rewards or benefits for your business.

Why should I get a business credit card?

A business credit card makes managing your business money easier. It keeps your personal and business expenses separate, helps with cash flow, and builds a good credit history for your business. It also makes it simple to track spending, manage employee expenses, and comes with special rewards and benefits.

Financial freedom

Higher credit limits let you make bigger purchases and investments to help your business grow.

Visibility and control

A central account for employee spending makes tracking simple and removes the need for expense forms.

No-stress accounting

Separating personal and business expenses keeps you organised and stress-free when tax time comes.

Smoother operations

A business card helps bridge cash flow gaps until client payments arrive.

Make spending rewarding

Earn cashback and travel rewards, use expense management tools, and benefit from built-in fraud protection.

Build your credit score

Use your card regularly and build a strong business credit history. This makes future borrowing easier.

Florist On The Phone With Capital On Tap Business Credit Card

How does a company credit card work?

Company credit cards, also known as a business or corporate credit card, lets authorised people buy things for the business without waiting for reimbursement. Cardholders, including employees or other authorised users make purchases, but the company pays the bill. It streamlines purchasing, simplifies expense tracking, and ensures smoother cash flow for your business.

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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 1,900+ 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

Preloading Dashboard On Mobile And Capital On Tap Business Credit Card (1)

Go beyond your credit limit with Preloading

Preloading lets you top up your business credit card with your own money when you need more than your credit limit allows. Add funds from your app or portal in seconds. You still earn 1% cashback on the full amount, including the funds you added. Pro customers earn 1.25% cashback on preloaded spend.

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I love that I can preload my Capital on Tap account. I can just top up my card — and I earn more rewards that way too. It’s a game-changer compared to my old business credit card.

Dr Maeve Kenningham
Owner of Dr K’s Clinic

Read our customer stories

Who can apply for a business credit card with us?

Make sure you've got all your personal and business info on hand when you apply.

You're eligible if:

You are an active UK director or majority shareholder (25%+)
Your business is registered as an Ltd, LLP, or PLC
Your business is listed as active on Companies House
You have no unsatisfied CCJs in the last 12 months
Your business is not a high-risk industry

Not eligible right now:

Charities, trusts, funds or Royal Charters
Dormant, dissolved or inactive companies
Businesses in high-risk industries
Sole traders

What do you need to apply for a business credit card?

Have these ready when you apply:

Your full name, home address, date of birth, and contact info
Your business's legal name, registered address, company registration number
Your average monthly business turnover amount
Bank account details for settling monthly card payments

How to choose the best business credit card?

Fees and interest rates

Compare card fees and interest rates to find the most cost-effective option for your business.

Rewards programmes

Evaluate rewards programmes to maximise benefits for your business spending.

Spending limits

Consider spending limits to ensure they align with your business's purchasing needs.

Reporting features

Look for features that allow you to track expenses and manage finances effectively.

A Collage Showing Happy Capital On Tap Customers

Why choose Capital on Tap?

Over 300,000 small businesses have spent more than £40 billion with their Capital on Tap Business Credit Cards. See how we've helped businesses like yours in our customer stories.

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Trusted by over 300,000 businesses

Woman In Wine Shop Holding Capital On Tap Business Credit Card Min

What can I use my business credit card for?

Your business credit card is designed for business expenses, from travel costs and office supplies to paying invoices. Using your card for everyday business spending simplifies your bookkeeping and helps you earn rewards. Read our guide to find out how to use your business credit card effectively.

Cashback Redemption Options, Including Gift Cards And Travel Rewards

What rewards can I get with a business credit card?

Business credit cards offer lots of rewards such as cashback, travel perks, or points on purchases.

With Capital on Tap, you earn 1 point for every £1 spent on your card. You can redeem your points for cash or gift cards, use them to reduce your balance, or convert them to Avios, Virgin Points, or Radisson Rewards.

Apply now

Alex Miles Chief Operating Officer at Capital On Tap

Business credit cards can be the catalyst for growth, providing businesses with a convenient tool to manage expenses, build credit, and access rewards that can fuel their success.

Alex Miles
Chief Operating Officer at Capital on Tap

Hand Holding A Phone With Apple Pay Showing The Capital On Tap Visa Card Ready To Tap, Next To A Card Reader Displaying A £26.50 Total

What are the costs associated with company credit cards?

The Capital on Tap Business Credit Card has no annual, foreign exchange, or ATM fees. Other providers may charge for these, along with late payment fees and interest on unpaid balances. Always compare costs before you apply.

Apply now

Capital On Tap Business Credit Card On Laptop Corner

Can I use my personal credit card for business?

You can use a personal credit card for business, but a dedicated business credit card is usually the better choice. Personal cards don't build business credit and often have lower spending limits. A business credit card gives you higher limits, tailored rewards and benefits, and tools for tracking spend, managing employee cards, and syncing with your accounting software.

Open Wallet Showing A Capital On Tap Pro Card, UK Driving Licence And Cash, Next To A Delivery Note And Pen On A Marble Surface

Can I take out cash using a business credit card?

Most business credit cards let you withdraw cash from an ATM, though many charge fees and higher interest rates. With Capital on Tap, there are no ATM fees. You can withdraw up to £400 per day, with a maximum of two withdrawals.

Capital on Tap reviews

Get started with no annual fee. Decision in 2 minutes.

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Frequently asked questions

Can I get a business credit card if my business is new?

Capital on Tap accepts businesses that are active on Companies House, with no unsatisfied CCJs in the last 12 months, and who are not a high-risk industry. There is no minimum trading period requirement.

Do I need a business current account to apply?

Yes, you must have a business bank account to apply for the Capital on Tap Business Credit Card.

Do I need a personal guarantee to apply for a business credit card?

Yes, most business credit cards, including Capital on Tap, require a personal guarantee.

Does a business credit card affect my personal credit score?

Business credit cards do not usually appear on your personal credit report. However, many business credit cards require a personal guarantee, meaning you are ultimately personally responsible for the debt. Because of this, if you defaulted, it could affect your personal credit score. For a complete breakdown of how business credit cards impact both your personal and company credit, read our detailed guide: Do Business Credit Cards Affect Personal Credit Scores?.

How do I apply for a business credit card?

The process of applying for a business credit card will be different for every provider, but you can typically apply online, by phone, or visiting a branch in person. Make sure to check the eligibility requirements before applying to see if you’re likely to be accepted.

You'll need some personal and business information for the application:

Your legal business name, address and phone number
Type of business
Monthly turnover

If you’re applying for the Capital on Tap Business Credit Card, you can apply online in just 2 minutes, and most applicants receive an instant credit decision and virtual card access.

How does Capital on Tap compare to other business credit cards?

Capital on Tap offers 1% cashback on all spending, no annual fee, free employee cards, and credit limits up to £250,000. See how we compare: Capital on Tap vs Barclays Select Cashback, Capital on Tap vs American Express Business Gold, Capital on Tap vs Revolut Business, Capital on Tap vs Monzo Business.

How long does it take to get a business credit card?

The time varies by provider. Some cards take a few days; others up to two weeks. The Capital on Tap Business Credit Card arrives in 2-5 business days.

Is a credit record checked for a business credit card?

Yes, we run a soft search on your personal credit file when you apply, so applying won't affect your credit score. We only run a hard search on your business's credit file once you sign your credit agreement, which is when it becomes visible to other lenders.

What are the Capital on Tap Interest Rates (APR)?

The Capital on Tap Business Credit Card annual rates are as low as 13.86% APR (variable). Your final rate depends on your personal and business credit history and the Bank of England base rate.

The APR (annual percentage rate) on a business credit card can vary depending on the card issuer and your creditworthiness. Generally, business credit cards tend to have higher APRs than personal credit cards. It's important to read the terms and conditions carefully before applying for a business credit card. Pay off your balance in full on a weekly or monthly basis to avoid high interest charges and improve your business credit score.

When is the Capital on Tap Business Credit Card not the right fit?

We want to ensure our card is the right financial tool for your business. You should reconsider applying if any of the following scenarios apply, as an alternative product may suit your needs better:

You have highly erratic cash flow: While business credit can help bridge gaps, if your income is unpredictable, relying on credit may lead to missed payments, high fees, and damage to your credit profile. Responsible usage requires reliable repayment.
Your priority is short-term financing: If your immediate need is to finance a large, one-off purchase without incurring interest for a period, a business card offering a 0% introductory APR would generally be a more cost-effective choice than a rewards-focused card.

Page last reviewed on 27 July 2026

by Arianna Colomb