Get uncapped 1% cashback on all card spending. Redeem for cash, gift cards, or against your balance. Apply and get a decision in 2 minutes.
Trusted by over 200,000 businesses
Rates as low as 15.5% APR (variable)
Upgrade for Avios points
Auto-sync with accounting software
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Manage your business spending with smart controls and real-time visibility – all with no annual fee.
Preload your account and spend beyond your credit limit all while earning 1% cashback on every purchase. Unlock your business spending power with Preloading.
Over 200,000 small business customers have spent more than £10 billion on their Capital on Tap Business Credit Cards.
Our customer stories prove why we are the best choice for your business credit card needs.
Come for the rewards points, stay for the all-in-one spend solution.
Earn 1% cashback on card spending like bills, operating costs, and general expenses.
No annual fee
Apply nowAll the standard rewards plus bonus points and extra redemption options like Avios.
£99 per year
Apply now
Read our customer storiesNot only has my Capital on Tap Business Credit Card given me more time, but I’ve been able to give my staff more autonomy and authority while keeping an eye on our spending - plus all of the card benefits are a great bonus!
Capital on Tap turns your business expenses into benefits with unlimited 1% cashback on all your business purchases.
Earn 1 point for every £1 you spend on your Capital on Tap Business Credit Card.
With Preloading, you can top up your balance to supercharge your rewards. Spend £50,000, and earn £500 in rewards points to redeem however you want.
Make being your own boss even more rewarding by earning rewards on every business purchase.
Use your rewards to reduce your balance, convert to cash, or buy gift cards. Upgrade to our Business Rewards program to redeem for Avios.
Auto-sync transactions to Sage, Xero, FreeAgent, and more to save time and stay organised with our integrated accounting solutions.
Set it to auto-sync daily for hassle-free expense management.
If you’re awake, so are we. Contact us any time to talk to a real person who’ll answer in 10 seconds or less.
We're here 24/7 to assist you with any questions or concerns you may have.
Improve your business management with the Capital on Tap app, a single platform for handling your business credit card and expenses. Get real-time notifications wherever you are.
Easily control your spending and your employees' expenses.
Enjoy free, unlimited company cards for all your employees with personalised spend controls.
Give them the freedom to buy what they need to get their job done, while staying in control of their spending with real-time spend alerts.
Create virtual cards in seconds and start spending the moment you’re approved for a Capital on Tap account.
Urgent bills or invoices to pay? You don't have to wait for a physical card – virtual cards have you and your employees covered.
