Capital on Tap Business Credit Card Review

Whether you’re managing office supplies, utility bills, or paying for business expenses, every pound you spend helps boost your rewards balance.

The Capital on Tap Business Credit Card is designed to simplify financial management for small businesses. It offers an intuitive experience for everyday spending and makes it easy to manage cash flow with flexible payment terms and additional benefits. Whether you’re a startup or an established company, this card brings together practicality and reward in one powerful package.

This credit card provides you with the tools to streamline your business finances while earning valuable rewards. With its no-fee international spending and a straightforward cashback program, Capital on Tap ensures your business can thrive with minimal hassle. Plus, the option to top-up your credit limit gives you even more spending flexibility.

CREDIT CARD

Capital on Tap Business

No annual fee Earn cashback

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Capital on Tap Business Credit Card Benefits

• 1% Cashback on All Purchases: Earn 1% cashback on every purchase, making your business spending more rewarding. Every pound spent counts towards cashback, giving your business more financial flexibility with no limits on how much you can earn.
• No Fees for International Transactions: Traveling or doing business internationally? With the Capital on Tap Business Credit Card, you can make payments and withdraw cash abroad without worrying about foreign transaction fees. The Visa conversion rate is all you pay.
• Flexible Payment Terms: Enjoy up to 42 days to repay your balance with zero interest, as long as you pay in full each month. This allows you to manage your cash flow efficiently and maintain healthy business finances.
• Unlimited Additional Cards: Need extra cards for employees or partners? Capital on Tap lets you issue unlimited supplementary cards at no extra cost, making it easier to manage team spending.
• Top-Up Your Credit Limit: Boost your available credit with the new Top-Up feature. You can deposit your own funds into your account, increasing your spending power beyond your original credit limit.
• Integrations with Business Software: Streamline your accounting and bookkeeping with seamless integrations to popular software like Xero, QuickBooks, FreeAgent, and Sage. Capital on Tap makes it easy to manage your finances and stay organized.
• No Fees for Cash Withdrawals: Withdraw cash from your Capital on Tap account without incurring withdrawal fees. However, do keep in mind that interest will be charged on the amount you withdraw from the moment you take it out.
• Free Access to Business Rewards: By signing up for the free Capital on Tap Business Credit Card, you can access 1% cashback on business expenses. If you’re ready for even more rewards, consider upgrading to the Business Rewards plan for additional perks like Avios points.
• Financial Flexibility with Free Transfers: Capital on Tap offers free transfers to your linked business account. This helps you manage your business’s working capital without additional costs.
• Generous Sign-Up Bonuses: When you opt for the Business Rewards version, you can earn generous bonus points. For example, spending £5,000 within the first 3 months can earn you 10,000 Avios points, giving your business a head start on travel rewards.
• Redeeming Rewards: Redeeming your rewards is simple with Capital on Tap. You can redeem your 1% cashback as a statement credit or transfer it into your business account to be used for other needs. If you’ve opted for the Business Rewards plan, you can exchange your points for Avios flight rewards, making it easier for your team to travel.

Who Can Apply?

To be eligible for the Capital on Tap Business Credit Card, applicants must meet the following criteria:

• Be the business owner or a director of a limited company.
• Have been trading for at least 6 months.
• Have a minimum annual revenue of £12,000.
• Have a base in the UK and have a UK business bank account.

How to Apply

1. Visit the Capital on Tap website and complete the online application.
2. Provide business details, including your annual turnover and financial statements.
3. Submit your application and receive a near-instant decision.

Frequently Asked Questions

1. Can I get additional cards for employees?
   Yes, you can get unlimited supplementary cards for free.
2. What’s the interest rate on cash withdrawals?
   • While there are no fees for cash withdrawals, interest is charged from the moment you withdraw money.
3. How long does it take to get approved?
   • Capital on Tap provides a near-instant decision upon application.
4. Can I use the card to transfer money to my business account?
   • Yes, you can transfer funds to your linked business account at no extra cost.

CREDIT CARD

Capital on Tap Business

No annual fee Earn cashback

APPLY NOW You will be redirected