The smart choice for small business rewards

Capital on Tap Business Credit Card

Capital on Tap can approve credit limits of up to £250,000, and you can top up your credit card balance further with your own funds. 

Enjoy unlimited 1% cashback on all business card spending, and gain greater flexibility in managing your expenses. Pro members can earn even more with 1.25% cashback on all preloaded card spend, giving you more flexibility and earning potential on larger purchases.

Other Business Credit Cards

While credit limits will vary by provider, Capital on Tap is the first business credit card to introduce Preloading. This differs from typical business credit cards, where cashback is usually limited to your credit limit spending.

Capital on Tap Business Credit Card

Unlike some business credit cards with annual fees, the Capital on Tap Business Credit Card is completely free, making it accessible for small businesses. Plus, use it abroad with no foreign exchange (FX) fees. 

Other Business Credit Cards

It can be common for business credit cards to advertise your first year as free, but you might have to pay later. Also, FX fees may apply, with rates dependent on the plan you choose.

Capital on Tap Business Credit Card

Capital on Tap offers flexibility in redeeming rewards. You can convert your points to Avios to spend on flights, hotel stays, upgrades, and much more with The British Airways Club or Qatar Airways Privilege Club; or convert them into Virgin Points for flights and experiences across Virgin Red and Virgin Atlantic Flying Club. You can also convert points to Radisson Rewards for hotel stays, and Pro customers get exclusive Radisson Rewards VIP status. Alternatively, you can redeem your points directly for cashback, gift cards from retailers like Amazon and John Lewis, or to reduce your card balance.

Other Business Credit Cards

Business credit cards can offer varied options to redeem rewards. For example, this may include merchant cashback, discounts with partner brands, or free insurance.

Capital on Tap Business Credit Card

Our online application process is quick and straightforward, ensuring businesses can access credit when needed. You'll get a decision in just 2 minutes, and with your virtual card, you can start spending as soon as you’re approved.

Other Business Credit Cards

Online applications are standard with most business credit cards, but you may need to wait to receive your card before you can start spending.

Capital on Tap Business Credit Card

Access real-time expense tracking and management tools that help you monitor business spending and manage budgets more effectively, eliminating the need for separate expense cards.

Other Business Credit Cards

Expense management tools are not guaranteed with all business credit cards. This tends to be a common feature of business expense cards instead.

Capital on Tap Business Credit Card

Stay organised and save time with auto-sync for Sage, Xero, FreeAgent, Quickbooks, and other software providers. Our seamless integrations make expense management hassle-free, setting you up for success without the headaches.

Other Business Credit Cards

While some traditional cards offer this feature, it can be restricted to a smaller range of accounting software providers.

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.

Other Business Credit Cards

With larger providers, you’re more likely to get a 24-hour helpline. However, many providers stick to office hours for their support lines. Be prepared for long wait times, which can be frustrating when you're trying to focus on your business.