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 spending. Every time you use your card, you earn points you can turn into:

• Unlimited 1% cashback
• Exclusive offers 
• Gift cards
• Avios

We’ve handpicked these perks for small business owners, helping you get more out of every pound you spend.

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 for travel.

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.

Take flight with Avios

Take your business further with Avios.

Transform your business spending into travel rewards. Convert your reward points to Avios at no extra cost and unlock premium travel perks.

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.