Business Rewards Credit Cards

Capital on Tap rewards explained

What are business credit card rewards?

Business credit card rewards help you get more from your everyday business spending every time you use your Capital on Tap card.

You use these points for:

• Unlimited 1% cashback
• Exclusive offers 
• Gift cards
• Avios (with The British Airways Club or Qatar Airways Privilege Club)
  
• Virgin Points (with Virgin Red and Virgin Atlantic Flying Club)

Unlimited free 1% cashback

Earn 1% cashback on every purchase, with no limits. Use your rewards to pay off your balance, turn them into cash, redeem for gift cards, or convert to Avios, Virgin Points, or Radisson Rewards.

Take flight with Avios

Turn everyday business expenses into your next trip. Convert your reward points to Avios at no extra cost and book flights, upgrades, and more through The British Airways Club or Qatar Airways Privilege Club.

Redeem to Radisson

Turn your Capital on Tap points into unforgettable stays. Convert points to Radisson Rewards and enjoy hotel nights, upgrades, and more at Radisson locations worldwide. Start earning towards your next trip today.

Fly with Virgin Points

Put your business spend to work. Convert your Capital on Tap points into Virgin Points and enjoy a huge selection of rewards through Virgin Red and Virgin Atlantic Flying Club. Book your next flight, upgrade, or choose from hundreds of unique non-travel perks.

Shop smart with gift cards

Treat yourself to gift cards from top retailers.

Use your points to enjoy gift cards from top retailers such as Amazon, John Lewis, Tesco, and Airbnb.

The Times subscription

Your Capital on Tap Pro rewards go further with complimentary digital access to The Times and Sunday Times. Stay informed with leading journalism, business insights, and exclusive Times+ offers—all included with your Pro plan.

Keep track of your rewards points

Quickly view your full rewards points history anytime in the Rewards section of your online portal or app. See daily earnings, bonuses, redemptions, and adjustments all in one place. Stay in control and get clear insight into how your points add up.

Get more rewards with Preloading

Want to earn more rewards? Preloading gives you extra spending power by letting you top up your credit card with your own money.

Your topped-up funds are always used first, and you’ll earn rewards on every purchase – just like you do with your normal credit limit.

Boost preloaded cashback to 1.25%

Pro customers earn even more when they preload! When you top-up your account, you’ll get 1.25% cashback on all spending made with your own funds.

How do I redeem my credit card rewards?

Redeeming your Capital on Tap rewards points is a breeze. Just head to the ‘Rewards’ tab in your account. Choose how you’d like to redeem and follow the steps. You’ll get your rewards instantly, with no long waits.