Capital on Tap Business Credit Card: Unlock Smart Funding and Rewards

Get access to smart business funding, earn cashback, and enjoy perks with no annual fee.

With the Capital on Tap Business Credit Card, you get a powerful mix of financial tools, cashback rewards, and simplified expense management—all built to help UK businesses grow smarter and faster.

Whether you’re running a marketing agency in Manchester or managing deliveries in London, every business faces cash flow gaps. This card steps in where traditional banking lags. What if you could boost your spending power while earning back on every pound spent? That’s what Capital on Tap offers—with up to 1% cashback, no FX fees, and even a Pro option with travel perks. Let’s break it all down.

CREDIT CARD

Capital on Tap Business

No annual fee Uncapped 1% cashback

APPLY NOW You will be redirected

🛠️ Guide to Using the Capital on Tap Business Credit Card

Capital on Tap isn’t just another credit line—it’s a smart finance solution designed for small to mid-sized UK businesses. Once approved, you get a virtual card instantly and a physical one in just a few days.

Real-world example: Sarah runs a boutique design firm in Birmingham. She uses the card to pay for software, advertising, and travel—all while earning cashback and syncing her transactions directly with QuickBooks. No more chasing receipts!

Key functions:

• Purchase business supplies or services
• Pay digital subscriptions
• Earn 1% cashback
• Avoid FX fees when traveling or ordering internationally
• Issue free employee cards with custom limits

💡 Optimization Tips and Lesser-Known Hacks

Want to stretch every pound even further? Here are some clever tricks:

• Prepay your balance: Some users report improved credit limits and faster access by paying in advance.
• Sync with Xero or QuickBooks: Automate reconciliation and track spending by category.
• Use employee cards smartly: Set individual spend caps to control budget and monitor usage live.
• Combine with other cashback tools: Use this card through cashback platforms for stackable rewards.
• Upgrade to Pro for lounge access: Great if you travel frequently—unlimited access to 1,300+ airport lounges.

💷 How to Maximise the Value from Your Card

To get the most out of your Capital on Tap card:

1. Always pay your balance within the 42-day interest-free window.
2. Use the card for high-volume categories like ads, fuel, or tech tools.
3. Redeem your points monthly as statement credit or gift cards.
4. Upgrade to Pro only if you travel enough to benefit.
5. Avoid cash withdrawals—they come with fees and no cashback.

Top 5 Cashback-Friendly Categories:

• Advertising platforms (Google Ads, Facebook)
• SaaS subscriptions (Dropbox, Canva, Zoom)
• Fuel stations
• Office supplies
• Travel and accommodation bookings

🔁 Alternatives and Complementary Tools

If you’re considering other options, here’s how Capital on Tap stacks up:

Complement with:
A Tide or Starling business account for real-time transaction visibility and instant transfers between accounts.

✅ Who’s Eligible – Requirements to Qualify

To apply, you must meet the following:

• Be a UK-based limited company or LLP
• Have a minimum turnover of £24,000/year
• Be at least 18 years old
• Have a UK bank account

💡 Note: Directors’ credit scores are considered, but the business performance weighs heavily. Even newer companies may be approved if they show strong early revenue.

📝 How to Apply – Step-by-Step Application Process

Applying is refreshingly quick:

1. Visit the Capital on Tap website
2. Click “Apply Now” and enter basic business details
3. Verify identity via secure form (usually a soft credit check)
4. Get instant decision—many approvals happen within minutes
5. Receive your card within 3–4 business days (or instantly as a virtual card)

Documents often needed:

• Director’s ID (passport or license)
• Business bank account number
• Basic financials or turnover estimate

❓ FAQ – Uncommon but Crucial Questions

1. Can I get multiple cards for team members?

Yes, unlimited cards with custom spend limits—great for managing departments.

2. What’s the real cashback value?

1 point = 1p, so 10,000 points = £100. Redeem monthly to avoid forgetting.

3. Are there late payment penalties?

Yes. It varies, but you could lose the 42-day grace period and pay 17.49%–57.49% APR.

4. Will it affect my personal credit score?

Not directly, unless you default. They check your score, but usage affects your business file.

5. What’s the Pro version really worth?

Worth it if you fly monthly—10,000 bonus points + lounge access + Radisson Rewards VIP = solid ROI.

6. Can I use it for HMRC payments?

Yes, but no cashback on those transactions.

🧾 Conclusion: Is Capital on Tap Right for You?

The Capital on Tap Business Credit Card shines for SMEs seeking simplicity, control, and meaningful rewards. Its no-nonsense approach—instant setup, 1% cashback, no FX fees, and powerful spend tracking—makes it a modern financial companion. If you run a UK-based company with steady revenue, this card could be your secret weapon.Ready to power up your business spending?

CREDIT CARD

Capital on Tap Business

No annual fee Uncapped 1% cashback

APPLY NOW You will be redirected