Choose the best credit card for your business

Instant access to up to £50,000 to grow your business.

Business Credit Card
COT Visa high res (1)

Sign Up For Free *Applying for a card will not affect your credit score
Business Credit Card

Sign Up For Free *Applying for a card will not affect your credit score
  • Tick IconCredit facility of up to £50K
  • Tick IconUp to 56 days interest free on card purchases
  • Tick IconNo FX or UK ATM charges
  • Tick IconUp to 10 free supplementary cards

Free

Business Rewards Credit Card
COT VISA NAVY HIGH RES

1% cashback or 1 Avios for every £1 of card spend

Get Business Rewards *Applying for a card will not affect your credit score
Business Rewards Credit Card

1% cashback or 1 Avios for every £1 of card spend

Get Business Rewards *Applying for a card will not affect your credit score
  • Tick IconCredit facility of up to £50K
  • Tick IconUp to 56 days interest free on card purchases
  • Tick IconNo FX or UK ATM charges
  • Tick IconUp to 20 free supplementary cards
  • Tick IconEarn 1 point for every £1 of card spend
  • Tick IconRedeem 1 point for 1p (1% cashback) or 1 Avios
  • Tick Icon10,000 bonus points that you can redeem for £100 cashback or 10,000 Avios** when you spend £5,000 on your card in your first 3 months

£99 /year

**The bonus points offer is only applicable to customers for whom this is their first rewards card with Capital on Tap. Avios are issued and redeemed in accordance with the British Airways Executive Club terms and conditions. See ba.com/theclubterms

Earn points in Capital on Tap rewards programme

Tell me more about Avios

Choose Business Rewards Credit Card and earn 1 point for every £1 spent on your card which you can redeem for cashback or Avios.

Avios is the reward currency of the British Airways Executive Club. You can collect Avios on flights, hotels, shopping and car rental with us or one of our many partners. With so many ways to collect you'll soon have enough to spend on all of the travel things you love, including reward flights and cabin upgrades.*

See more ways to spend your Avios

*Reward flights and cabin upgrades are subject to availability. Taxes, fees and carrier charges apply.

Find out more about Capital on Tap's Business Credit Cards

Everything you need to know about our cards

  • Credit limits up to £50,000
  • Interest rates from 9.9% APR (39.9% representative APR)
  • Up to 56 days interest-free on card spend, when you pay your monthly balance in full
  • Up to 20 free supplementary cards
  • Earn points on all your card spend that you can redeem for cashback and Avios
  • Regular account reviews that can lead to credit limit increases and interest rate reductions
  • Integrations with accounting software packages for easy business expense management
  • No charges from us for ATM usage worldwide
  • Apple Pay and Google Pay integration for simple and secure payments with your mobile device. 
  • UK registered company with more than 3 months trading history
  • Annual turnover of at least £24,000
  • No County Court Judgments (CCJs) against you or your business in the last 12 months
  • Interest is calculated daily and stamped on to your account monthly at the end of your billing period
  • Interest rates start from 9.9% APR (39.9% representative APR)
  • Card purchases are interest-free if you pay your balance in full
  • We charge no FX, ATM or joining fees
  • Our standard account is FREE and you can upgrade at anytime to Business Rewards for an annual fee of £99
  • Your monthly minimum repayment will be  the greater of 10% of your closing balance or £250 (or your balance if this is less than £250)
  • You can repay with flexible direct debit options or using a debit card
Sign Up For Free *Applying for a card will not affect your credit score
A self-employed woman holding a cake

Are you a sole trader?

Check out our card dedicated for the self-employed. With higher limits than a personal credit card, flexible repayment options and fantastic rewards, you can grow your business today.

Easy-to-use portal for quick money transfers

Cash or card? Your choice.

You control how to use your funding. Spend on your Business Credit Card or send the funds straight to your high street bank account.

Up to 20 supplementary cards with an individual spending limit on each

Get free supplementary cards

Get up to 20 supplementary cards for free for your employees and partners and set an individual spending limit on each card.

Applepay

Use your Capital on Tap card with Apple Pay

You can use Apple Pay in stores wherever you see the contactless symbol, in apps and on the web. Reading this on an eligible device? Activate your card in Wallet now. 

 

   

Capital on Tap customer portal

Take control of your business

Are you already a Capital on Tap customer? Download Capital on Tap app on iOS or Android and manage your funds anywhere and anytime!

Learn why our customers love us.

We have already helped over 100,000 businesses in the UK and add a new customer every 5 minutes. See how we can help you today.