The credit card built for small businesses

Get unlimited 1% cashback on all card spending. Redeem for cash, Avios, gift cards, or against your balance. Apply and get a decision in 2 minutes.

Go further with credit limits up to £250,000
3.74% AER* (variable) Instant Savings**
No annual, FX, or ATM fees

Apply now

Trusted by over 200,000 businesses

Rates as low as 14.40% APR (variable)

Convert points to Avios for free

Auto-sync with accounting software

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Enter your code to get started with your application.

Savings Deposit 3.74% AER

Instant Savings account

Make the most of your business savings with our Instant Savings account**, powered by ClearBank, offering a competitive 3.74% AER* (variable) interest rate. Start with just £1 and enjoy flexible access, no withdrawal penalties, and no monthly fees.

Open a savings account

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Stay in control of your business spending

Manage your business spending with smart controls and real-time visibility. No annual fee.

Track card spending in real-time
Make instant purchases with virtual cards
Get free company cards with spending limits
Auto-sync to Sage, Xero, QuickBooks, FreeAgent, and more

Apply now

Rated excellent by our customers

4.9/5 Apple App Store

4.8/5 Google Play Store

4.7/5 Trustpilot

Card With Plane

Avios conversion now available on the Free tier

All Capital on Tap customers can turn business spending into travel by converting reward points to Avios—a feature available on both our Free and Pro tiers!

For more travel perks, explore our Pro tier.

Capital On Tap Business Credit Card Rewards

1% cashback

Turn your business spending into rewards with unlimited 1% cashback on every purchase.

Earn points for every pound you spend on your Capital on Tap Business Credit Card. Redeem your points for cash, gift cards, Avios, or to reduce your credit balance.

Apply now

Preloading Dashboard On Mobile And Capital On Tap Business Credit Card (1)

Fuel your growth opportunities with Preloading

Need to spend more than your credit limit? With Preloading, you can add your own money to your Capital on Tap account — just like topping up a prepaid card. This lets you spend above your credit limit while still earning rewards.

You’ll earn 1% cashback on everything you buy using preloaded funds. If you’re on the Pro plan, that goes up to 1.25% on preloaded spend!

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Why choose Capital on Tap?

Over 200,000 small business customers have spent more than £20 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.

Apply now

Trusted by over 200,000 businesses

Business spend just got more rewarding

Come for the rewards, stay for the all-in-one spend solution.

Free

£0/year

No annual fee

Apply now

Uncapped 1% cashback on all card spending
Exclusive offers at partner brands
Redeem points against your balance, for cash, or for gift cards
Convert reward points to Avios (10 points = 8 Avios)
Top up your balance with your own funds with Preloading
Unlimited, free employee cards
No foreign exchange fees
24/7 customer support
3.74% AER* (variable) Instant Savings account**
Convert points to Radisson Rewards

Pro

£299/year

Billed annually

Apply now

Everything from Free, plus:

10,000 bonus points when you spend £5,000 on your card in your first 3 months
Earn 1.25% on all preloaded card spend
Convert reward points to Avios (1 point = 1 Avios)
Unlimited access to 1,600+ airport lounges for the main card holder
Two free guest lounge passes per year and guest discounts
Radisson Rewards VIP status
Premium metal card
Dedicated 24/7 customer support
6 months free Xero for first-time subscribers

Capital on Tap reviews

Neema Rai Founder And Owner Of Tamesis Dock.3 (1)

Not 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!

Neema Rai
Owner of Tamesis Dock

Read our customer stories

Card And Rewards App Pro

Travel rewards with Pro

Turn everyday business spending into travel perks. With the Capital on Tap Pro plan, you can convert your points into Avios to save on flights and enjoy unlimited airport lounge access.

You’ll also get Radisson Rewards VIP status, giving you hotel benefits like room upgrades and free breakfast.

Accounting Contained Feature Dark (2)

Connect to your accounting software

Sync your card with Sage, Xero, QuickBooks, FreeAgent, and more. Save time and stay on top of your finances with our integrated accounting solutions.

Set it to auto-sync every day for easy expense management.

Apply now

Customer Service Agent

24/7 support

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 help you with any questions or concerns you may have.

Capital On Tap Business Credit Cards App View

Track all your spending with the app

See all your spending in one dashboard. The Capital on Tap app lets you track team purchases in real time, set spend alerts, and manage payments wherever you are.

Capital On Tap Business Credit Card Team And Roles

Empower your employees

Get free, unlimited company cards for all your employees with personalised spend controls. Stay updated with real-time alerts on their spending.

Apply now

Capital On Tap Virtual Credit Card Details

Start spending the moment you’re approved

Create virtual cards in seconds and start spending the moment you’re approved for a Capital on Tap Business Credit Card.

No need to wait for a physical card to start paying off bills and invoices.

Barista Holding Capital On Tap Business Credit Card

Open an account online today

Running your business just got easier:

Apply and get a decision in 2 minutes
Make purchases immediately with your virtual cards
Your physical card arrives in 2 business days

Apply now

Get started with no annual fee. Decision in 2 minutes.

Apply now