Business Credit Card
No annual fee
1% cashback or Avios points on every purchase
No foreign transaction fees
Potential credit limit up to £250,000
What is Capital on Tap?
Capital on Tap is a UK-based lender launched in 2012 that specialises in business credit cards.
Their cards offer fast approval, flexible credit limits, and rewards including cashback and Avios points. With customers served across the UK and US, Capital on Tap positions itself as a straightforward, no-nonsense alternative to traditional banks.
What types of business credit cards do Capital on Tap offer?
Capital on Tap offers two versions of its business credit card, the standard Business Credit Card and the Pro Business Credit Card. They differ in cost, perks, and reward potential.
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Pro Business Credit Card
Annual fee of £299
10,000 bonus points when you spend £5,000 in your first three months
Unlimited airport lounge access for the main cardholder, as well as two complimentary guest lounge passes each year, and Radisson Rewards VIP status
1.25% cashback on pre-loaded card spend, giving you a slightly higher return if you load funds onto your account before using the card
What features do Capital on Tap credit cards offer?
Here are some of the highlights of getting a Capital on Tap credit card:
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Uncapped cashback
Earn up to 1% cashback or more on every purchase, with no limits
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Avios points
Option to collect Avios for travel rewards instead of cashback
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Free employee cards
Unlimited extra cards for staff at no extra cost
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No foreign exchange fees
Spend abroad with zero foreign transaction fees
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Fast decision
Apply online with quick approval and same-day credit availability
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Flexible credit
£250,000 credit limit to support business growth
Do Capital on Tap business credit cards charge a fee?
Whether a Capital on Tap business credit card comes with fees depends on the version you choose. The cashback card has no annual fee, but the rewards card carries a yearly £299 charge, which may outweigh by the benefits.
Regardless of the card, businesses should try to avoid late or missed payment fees. Interest is charged if the balance is not cleared in full each month, so it’s important to manage spending and repayments carefully.
What are the advantages and disadvantages of a business credit card?
There are pros and cons to getting a credit card for your business.
These include:
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Advantages
Keeps business and personal spending separate
Builds your company’s credit profile
Offers rewards, cashback, or other perks
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Disadvantages
High interest rates if you don’t clear the balance each month
Annual fees can eat into any rewards you earn.
Risk of overspending and damaging your business credit score
How to choose the best business credit card
The best credit card for your business will depend on what you want from the card. It can be helpful to decide by asking yourself:
Do we want to maximise rewards?
If rewards are your priority, Capital on Tap lets you earn cashback in the form of rewards including Avios points on every purchase. The rewards can be particularly valuable for businesses with high ongoing expenses, helping get tangible benefits from everyday spending.
Do we want a higher credit limit?
With credit limits available up to £250,000, Capital on Tap can suit businesses needing flexibility. A higher limit can support larger purchases or seasonal cash flow gaps, giving breathing room for growth or investment
Do we need a card that works for multiple employees?
Capital on Tap offers unlimited free employee cards, making it easier to manage company-wide expenses. Your business can benefit from consolidated reporting and spending controls, helping you to keep track of costs across the business in one account.
Do we travel or spend abroad regularly?
With no foreign transaction fees, Capital on Tap cards are useful for businesses operating internationally. Overseas spending won’t incur extra costs, which can save money and make budgeting simpler for global or frequent travellers.
Do we want to keep costs to a minimum?
The free version of the card charges no annual fee, making it ideal if you simply need straightforward expense management. You’ll still earn cashback while avoiding the ongoing costs associated with premium cards.
Do we want fast access to credit?
Capital on Tap provides quick decisions and same-day access to credit. If your business values speed and simplicity, this can be an efficient way to secure funding
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Are we eligible for a Capital on Tap business credit card?
Conditions around eligibility* for business credit cards differ to personal credit cards. For Capital on Tap, the following is required:
Businesses must be private limited companies or limited liability partnerships (LLP) and be registered on Companies House
A minimum monthly business turnover of £2,000 is required
No County Court Judgments (CCJs) against the applicant or the business within the past 12 months
Sole traders, PLCs, charities, trusts, funds, or Royal Charters are not eligible
Applicant must be an active director or hold majority ownership of the company
The business and applicant must be based in the UK
*Meeting the criteria does not guarantee acceptance
What are the alternatives to a business credit card?
If you need a cash flow solution, but don’t want to get a business credit card, you could try:
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Business loans
Business loans offer a lump sum of capital upfront, repaid over fixed terms. They’re ideal for larger investments like equipment, premises, or expansion projects where structured repayment works best.
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Business overdrafts
Linked to your business bank account, overdrafts provide flexible short-term borrowing. They’re useful for smoothing cash flow during seasonal fluctuations or when waiting on invoices.
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Business charge cards
Similar to a credit card except balances must be repaid in full each month. They suit businesses that want spending flexibility with rewards but prefer to avoid rolling debt.
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Business prepaid cards
Prepaid cards are not a borrowing option, but they do allow businesses to facilitate and control employee spending. Simply load a prepaid business card with funds and then spend as you would with a regular debit card.
What other financial products for business do Capital on Tap offer?
As well as its business credit card, Capital on Tap also offers an instant savings account that offers a competitive interest rate. Funds remain fully accessible with no monthly fees, giving you easy access when you need it. Plus, deposits are protected up to £85,000 by the
Financial Services Compensation Scheme for your peace of mind.
Our expert says…
Expert quote
For many small and growing businesses, a credit card can be more than just a way to pay, it can be a useful financial tool. With features like interest-free periods, expense tracking, cashback, and rewards, the right business credit card can help improve cash flow, make day-to-day management simpler, and offer tangible benefits from everyday business spending.
Tim Heming Personal Finance Expert
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Frequently asked questions
Can we get cards for several employees?
Yes, Capital on Tap allows you to issue unlimited free employee cards. You can track spending for each card separately, giving full control and transparency.
What is the credit limit?
Credit limits range from £1,000 up to £250,000, depending on your business turnover, financial history, and card type. The limit can be adjusted as your business grows.
Are there fees for foreign transactions?
No. Capital on Tap cards charge zero foreign transaction fees, making them ideal for businesses that buy from international suppliers or travel frequently.
What happens if we don’t pay our balance in full?
Interest will be charged on any outstanding balance. Late or missed payments may also incur fees, so it’s important to manage repayments carefully to avoid additional costs.
How quickly can we get a card after applying?
Once approved, you can often receive a card within a few days, and virtual cards can be available almost instantly for immediate use.
Can we earn rewards on all purchases?
Yes, all eligible purchases earn cashback or Avios points, depending on your card type. There are no caps on earnings, so rewards grow with your business spending.
Reviewed on 30 Dec 2025 by
