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At Capital on Tap, we believe your business spending should be rewarded. Every card purchase you make with your Capital on Tap Business Credit Card, issued by WebBank, earns you points, giving you access to a wide range of reward redemption options.
Whether you want to reduce your balance, purchase essential gift cards, or save up for a well-deserved trip, this guide walks you through all the ways you can turn your points into valuable rewards.
How to earn points
Earning points with your Capital on Tap Business Credit Card is simple. You earn points on every dollar spent on your card, as well as on any employee cards with access to your account. There is no limit to the points you can collect.
You earn 1.5% Cash Back Rewards on all eligible card purchases, which can be boosted to 2% Cash Back Rewards when you select weekly AutoPay.
Your rewards options: an overview
You can easily redeem your points directly through your Capital on Tap portal or mobile app. We offer three primary ways to put your points to work for your business:
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Cash back: Use your points as a statement credit onto your Capital on Tap Business Credit Card account to reduce your balance.
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E-Gift cards: Treat yourself or your employees with gift cards from popular brands.
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Travel rewards: Convert your points to Avios through Qatar Airways Privilege Club for flights, hotel stays, and more.
How to redeem points for cash back
This is a great option if you want to get direct financial value from your spending. You can redeem Cash Back Reward Points as a statement credit towards your Capital on Tap Business Credit Card balance, at 1 cent each - for example, 10,000 points equals $100 in cash*. Just remember that if your points redemption doesn't cover your entire Minimum Monthly Payment, you’ll need to pay the remaining difference by your due date.
To redeem your points, simply log in to your account, go to the ‘Rewards’ tab, and enter the amount of points you want to redeem.
* Reward Terms & Conditions apply.
Redeeming points for e-gift cards
If you're looking to treat yourself or your team, e-gift cards offer a fantastic reward for your hard work. You can choose from a wide variety of popular brands, like Apple, Amazon, Delta, and more.
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You can find the full list of available gift cards in the ‘Rewards’ section of your account.
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Redemption is simple, and the e-gift card is typically delivered instantly to the email address you provide.
Once issued, e-gift cards need to be activated within 90 days of issuance. To keep our rewards program simple and secure, we aren't able to extend or refund cards after this period, so we recommend hitting that activation button as soon as it hits your inbox.
Converting points to Avios
For businesses that travel, converting your points to Avios through Qatar Airways Privilege Club can be incredibly rewarding. Every 3 Capital on Tap points is worth 2 Avios, giving your business enhanced global travel flexibility. Avios can be used for:
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Flights with Qatar Airways and its oneworld® partners.
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Cabin upgrades for a more comfortable journey.
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Hotel stays, car rental, and other travel-related services.
The bottom line
Your Capital on Tap Business Credit Card, issued by WebBank, is more than just a tool for business card purchases—it's a rewards engine designed to give back to your business. By understanding and using the different redemption options available, you can choose the reward that best fits your needs, whether that’s applying cash back as a credit to your card balance, purchasing essential supplies with a gift card, or saving up for an upgrade on your next trip with a travel partner.
Frequently asked questions
How do I earn points?
You earn 1 point for every $1 spent on your Capital on Tap Business Credit Card. This applies to your main card and any employee cards with access to your account. There is no cap on the number of points you can collect.
Do my points expire?
No, your Capital on Tap points will not expire as long as your account is active and in good standing. If your account is closed, any unredeemed points are generally forfeited immediately.
Note for New York Participants: If you have a New York home or business address, you will have 90 days from the date of an account closure or program modification notice to redeem any points you have accumulated. This right does not apply in cases of fraud or misuse.
Can I redeem points for a portion of my bill?
Yes. When you redeem points as a statement credit, you can choose any amount to redeem, as long as you have a minimum of 100 Capital on Tap points available in your account.
Is there a minimum amount of points I have to have to redeem?
Yes, you must have a minimum of 100 Capital on Tap points to redeem them.
Business Credit Card Agreement and Reward Terms & Conditions apply.
