Boost your spending power beyond your credit limit

Capital on Tap Business Credit Card

With our Preloading feature, the Capital on Tap Business Credit Card lets you top up your credit card balance with your own funds, and then use those preloaded funds together with your credit limit.

Combined with credit limits of up to £250,000, you can maximise your spending power and increase your rewards.

Carry out business transactions, track expenses, and build a separate credit history with your card.

Business Prepaid Cards

Similar to a debit card, business prepaid cards limit your spend to the amount loaded on your card. Since no line of credit is included, there’s no flexibility on your spend.

Often used to manage expenses, businesses can control and track employee spending through these cards.

Prepaid cards typically do not offer features such as rewards programmes or the ability to build credit history.

Capital on Tap Business Credit Card

To get access to Preloading, apply for the Capital on Tap Business Credit Card. 

Our application is quick and straightforward, providing a decision in 2 minutes that allows you to start spending and Preloading instantly with a virtual card.

Business Prepaid Cards

Most prepaid cards do not make use of any credit facility, so no credit checks are carried out on application. 

Often your identity will just need to be verified by a provider before you can start loading amounts onto a card.

Capital on Tap Business Credit Card

There’s no annual fee for our Free Rewards card, as well as no FX or ATM fees. 

With unlimited, free employee cards included, you don’t have to worry about incurring any hidden charges either.

Business Prepaid Cards

This can vary by the provider you choose, so it’s important to check for any monthly fees or additional costs you might incur from withdrawing money or ordering extra cards.

Capital on Tap Business Credit Card

You can assign virtual or physical cards to individual employees for making purchases. Set personalised spending limits per transactions or monthly limits per employee card. 

Get real-time notifications when employees use their cards, see itemised transaction details, and maintain oversight over spending.

Business Prepaid Cards

By issuing individual cards to each employee you can set and control accessible funds. This may need to be done manually for every employee and creates a time consuming and inconvenient process.

Controls can vary by provider, but you may be able implement rules that prevent certain types of transactions being carried out, as well as view reports on card activity.

Capital on Tap Business Credit Card

Lots of rewards are available with the Capital on Tap Business Credit Card including 1% cashback on all spend across both your credit limit and preloaded funds.

You can redeem your points for gift cards from leading retailers like Amazon, John Lewis, Tesco, and Airbnb, or even convert them to Avios*.

Business Prepaid Cards

Rewards points are not typically accumulated from prepaid cards, but some providers may offer money saving options through their own expense tools.

This can include small cashback rebates, discounts or cashback offers when using the card at particular partner merchants.

Capital on Tap Business Credit Card

If you become a Preloading customer with us, any funds that take your account into credit will be treated as E-Money and be subject to the safeguarding requirements set out in the Electronic Money Regulations. We are authorised as an E-Money Institution with the FCA.

Capital on Tap is not a bank and your funds are not protected in the same way that a bank would protect your funds. Instead we place these funds into a separate bank account that protects your money and allows its safe return to you in the event that Capital on Tap becomes insolvent or otherwise closes down.

Business Prepaid Cards

When you load money onto a business prepaid card, the card company must keep those funds separate from their own accounts in protected bank accounts. However, that money is often not insured by the government like funds in a regular bank. 

While card issuers follow regulations to safeguard your prepaid funds and keep them segregated, there is still a small risk of issues accessing that money or potential loss if the company faces insolvency. Understanding each provider's specific fund protection policies before loading significant amounts is recommended. 

Prepaid card purchases are not covered by section 75 of the consumer credit act either, so they offer less protection when compared to credit card purchases.

Capital on Tap Business Credit Card

Contact us at any time to talk to a real person who'll answer in 10 seconds or less. Our support lines are open 24/7 to assist with any questions or concerns. You can get in touch via chat, email, or phone.

Business Prepaid Cards

Support can vary according to the prepaid card provider. Help is often available in different forms, including chat, email or phone.