If you're a UK business owner looking to earn rewards points on your spend, then you’ve probably come across Capital On Tap.
We found them a year ago, and purely from the airmiles (Avios) perspective.
We’ve been using the Capital On Tap Business Rewards Visa Credit Card full-time for the past year, and now it’s time to share our honest, no-nonsense review.
From sign-up to daily use, from QuickBooks integrations to earning Avios points, we’ve tested every aspect of this card. We’ll be covering both the Free and Pro accounts, breaking down which one makes sense for your business, and whether it’s really as good as it sounds.
Spoiler alert: there are some big updates to the Pro account that might just make it one of the best premium business cards out there!
But is Capital On Tap the right fit for your business? In this review, we’ll cover:
By the end, you’ll have all the insights needed to decide whether Capital On Tap is the right choice for your business.
Let’s dive straight in …
BONUS SIGN UP OFFER: You can get an additional £75 off if you sign up for Capital On Tap using my referral link here. It’s valid for both the free and Pro account signups. And if you do get pro, then you can still get the bonus 10,000 points after £5,000. So it’s a win-win-win!
Before diving into the nitty-gritty, let’s start with the basics: What is Capital On Tap, and what does it offer business owners?
Capital On Tap is a business credit card provider designed specifically for small businesses that want flexible financing, rewards, and easy expense management. Unlike traditional business credit cards that come with hefty annual fees or complicated points systems, the Tap Business Card keeps things straightforward.
With no foreign transaction fees, an easy-to-use mobile app, and an intuitive online account portal, Capital On Tap aims to make business spending as hassle-free as possible. Whether you’re using the Free Capital On Tap Business Credit Card or opting for the Pro version, the goal is to earn rewards while keeping your business finances streamlined.
Here are a few key features that set it apart from other business credit cards like Amex and Barclaycard:
✅ Fast & Simple Application – You can apply online in minutes, with decisions usually given instantly. The Capital On Tap credit card application process doesn’t require a personal guarantee, which is a game-changer for many business owners.
✅ High Credit Limits – Businesses can receive up to a £250,000 credit limit, depending on eligibility. Your credit score and financials will impact your limit, but many users find that the Capital On Tap credit requirements are more accessible than traditional business cards.
✅ No Foreign Transaction Fees – Many business credit cards charge extra for spending abroad, but Capital On Tap offers the market exchange rate with no extra fees. If you travel for business, this alone can save you a ton of money.
✅ Unlimited Free Employee Cards – Unlike some competitors that charge per business card, Capital On Tap offers free employee cards, making it a great option for companies with multiple spenders.
✅ Flexible Rewards – Earn 1% cashback, convert to Avios points, pay down your Capital On Tap balance, or redeem for gift cards (we’ll cover these in more depth later).
✅ 24/7 Customer Service – Their customer service team is UK-based and available around the clock, which is a rare perk for a business credit provider.
✅ Multiple Accounting Integrations – Capital On Tap integrates with QuickBooks, Xero, FreeAgent, Sage, and more, making bookkeeping and expense tracking seamless.
One of the biggest questions people ask is whether they should go for the Free Capital On Tap Business Credit Card or upgrade to the Pro version.
✔️ No annual fee
✔️ 1% cashback, Avios rewards, or other redemption options
✔️ No foreign transaction fees
✔️ Free employee cards
✔️ Up to £250,000 credit limit
🚀 10,000 bonus points when you spend £5,000 in your first 3 months
🌍 Unlimited access to 1,600+ airport lounges for the main cardholder
🎟️ Two free guest lounge passes per year + guest discounts
🏨 Radisson Rewards VIP status
💳 Premium metal business card
📞 Dedicated 24/7 customer support
📊 6 months free Xero for first-time subscribers
If your business involves frequent travel, the Pro version is a no-brainer simply because of the unlimited lounge access, which alone justifies the annual fee.
In the next section, we’ll break down how Capital On Tap actually performs in real-world business spending, including our experience with rewards, customer service, and how it compares to other business credit cards.
Now that we’ve covered the features and the differences between the Free and Pro accounts, let’s get into what really matters: how does Capital On Tap hold up in everyday business use?
We’ve been using this business credit card for over a year now, putting thousands of pounds in expenses through it. From flights and hotels to software subscriptions, advertising, and everyday business expenses—here’s our experience with Capital On Tap in real-world use.
One of the biggest perks of the Tap Business Card is how incredibly easy it is to use. Whether you’re making online purchases, booking travel, or covering day-to-day expenses, it just works.
💳 Visa Network: Unlike Amex business cards, which aren’t accepted everywhere, Capital On Tap runs on the Visa network, meaning you can use it anywhere Visa is accepted.
📱 Mobile App & Online Account Management: Managing your business expenses is super simple through their mobile app and online portal. Payments, spending breakdowns, and rewards redemptions are all clearly laid out.
📆 Flexible Repayments: You can set up automatic direct debits to pay off your balance in full every month, or pay manually—whatever works best for your cash flow.
Unlike some business credit cards that lock their best perks behind complicated rules, Capital On Tap keeps it simple:
🔥 1% Cashback – Automatically earn 1% back on every purchase.
✈️ Avios Points – Convert every £1 spent into 1 Avios point if you prefer to use your rewards for flights.
💳 Pay Down Your Balance – Instead of cashback, you can choose to redeem your rewards directly to pay off your Capital On Tap balance.
🎁 Gift Cards – At the time of writing, you can also redeem points for gift cards from Amazon, Airbnb, Argos, Tesco, Sainsbury’s, John Lewis, Uber, and more. (Full list coming in the rewards breakdown section!)
💼 Pro Account Bonus: If you opt for Capital On Tap Pro, you’ll get 10,000 bonus points after spending £5,000 in the first 3 months—that’s at least £100 in value, just for spending as usual!
Is the rewards program good? In our experience, yes. Unlike Amex business cards, which often require you to pay an annual fee just to access their points program, Capital On Tap’s Free account includes rewards automatically. Plus, no foreign transaction fees means you don’t lose money when spending abroad.
Here’s where Capital On Tap really shines compared to competitors.
📞 24/7 UK-Based Support – Many business credit card providers have long wait times and outsourced call centres. In contrast, Capital On Tap’s customer service team is quick, professional, and UK-based.
👨💻 Quick Issue Resolution – When we faced an issue with QuickBooks integration, they not only fixed the issue but refunded us for the Pro plan for an entire year! That’s the level of customer service you rarely see with big financial institutions.
📧 Fast Response Times – Whether reaching out via phone, email, or chat, we’ve never waited more than a few minutes for a response. That’s a huge plus for busy business owners.
We've used a few different business credit cards, so how does Capital On Tap stack up against competitors like American Express Business Gold or Barclaycard Business?
Overall? Capital On Tap is a fantastic choice for business owners who want simple, effective rewards without hidden fees.
Now that we’ve covered features, rewards, and real-world usability, let’s break down the pros and cons of the Capital On Tap Business Credit Card. No business credit card is perfect, so this section will help you decide if Capital On Tap is the right choice for your needs.
✅ No Annual Fee on the Free Account – Unlike many other business credit cards, the standard Capital On Tap Business Credit Card comes with zero annual fees, making it an easy choice for businesses that want to earn rewards without added costs.
✅ Generous Rewards Program – Whether you prefer cashback, Avios, gift cards, or paying down your balance, Capital On Tap offers a straightforward 1% rewards rate without complicated redemption tiers.
✅ No Foreign Transaction Fees – Many business credit cards add foreign transaction fees, but Capital On Tap does not, making it a fantastic option for companies with international expenses.
✅ High Credit Limits – You can get a business credit limit of up to £250,000, depending on your credit score and financials. This makes it ideal for high-spending businesses.
✅ Fast & Easy Online Application – The Capital On Tap credit card application process takes just a few minutes, and you can get an instant decision without a personal guarantee.
✅ Unlimited Free Employee Cards – Unlike some competitors that charge per business card, Capital On Tap lets you add multiple employee cards for free.
✅ Flexible Redemptions – Redeem points for cash, Avios, Capital On Tap balance payments, or gift cards from brands like Amazon, Airbnb, John Lewis, Tesco, Sainsbury’s, Uber, and more.
✅ Great Customer Service – With UK-based 24/7 customer service, Capital On Tap reviews often highlight how quick and helpful their support team is.
✅ Pro Account Adds Major Perks – If you upgrade to the Pro version (£299/year), you get:
❌ No Intro APR Offer – Unlike some business credit cards that offer 0% intro APR, Capital On Tap does not provide an interest-free period for new purchases or balance transfers.
❌ Not a Traditional Charge Card – Unlike Amex business cards, which require full payment each month, Capital On Tap works like a traditional credit card with an ongoing balance option. If you don’t pay in full each month, interest charges will apply.
❌ Rewards Rate is Capped at 1% – While 1% cashback or 1 Avios per £1 spent is solid, some premium business credit cards (like Amex Platinum) offer higher rewards rates on specific spending categories.
❌ Pro Account Might Not Be Worth It for Everyone – If you don’t travel often or don’t use Xero, the Capital On Tap Pro perks might not justify the £299 annual fee.
❌ Credit Score Requirements – While Capital On Tap credit requirements are more flexible than some competitors, approval is not guaranteed, and your credit limit will depend on your business financials and credit history.
✔️ You Own a Small or Medium Business – If you’re a business owner looking for a no-fuss business credit card, Capital On Tap is one of the best options available.
✔️ You Want to Earn Rewards Without Fees – If you want 1% cashback or Avios without paying an annual fee, this is one of the best free business credit cards available.
✔️ You Have International Business Expenses – With no foreign transaction fees, it’s an excellent choice for companies that operate globally.
✔️ You Travel Often (Pro Account Users) – If you frequently fly for business, the Pro account’s unlimited Priority Pass access alone makes it a no-brainer.
✔️ You Want Flexible Spending Limits – With credit limits up to £250,000, it’s great for businesses that need high spending power.
❌ You Want a 0% Intro APR Offer – If you’re looking for a business credit card with an introductory interest-free period, you’ll need to consider options like the Amex Business Gold or the Ink Business Cash card.
❌ You Want Higher Category-Based Rewards – Some business cards (like Amex Business Platinum) offer higher cashback rates on travel, dining, or office supplies, while Capital On Tap offers a flat 1% on everything.
❌ You Plan to Carry a Balance – If you don’t pay off your full statement balance each month, the interest rates on Capital On Tap can add up. In that case, a low-interest business credit card might be a better fit.
If you’ve made it this far and are thinking, “This sounds like the right business credit card for me”, the next step is understanding the application process and whether you meet the Capital On Tap credit requirements.
Here’s everything you need to know about applying for the Capital On Tap Business Credit Card, including eligibility, approval tips, and what to expect.
Capital On Tap is designed specifically for small and medium-sized businesses, so you’ll need to meet certain business credit requirements before applying.
To be eligible, you must:
✔️ Be a UK-registered business (Limited Company, LLP, or Sole Trader)
✔️ Have at least £2,000 in monthly revenue
✔️ Be trading for at least 3 months
✔️ Have a UK-based business bank account
✔️ Have a fair or good business credit score
❌ Who isn’t eligible?
If you meet these criteria, you have a high chance of approval.
Applying is quick and simple. The entire process takes 5 minutes or less, and you can get an instant decision in most cases.
Step 1: Visit the Capital On Tap website and click “Apply Now”.
Step 2: Fill in basic business details (name, industry, revenue, etc.).
Step 3: Enter your personal details (as the business owner).
Step 4: Wait for an instant decision – most applications are approved immediately.
Step 5: If approved, your Tap Business Card will be shipped within 3–5 working days.
Unlike some business credit cards, Capital On Tap does not require a personal guarantee, which means your personal credit score is not at risk if your business has financial trouble.
While Capital On Tap doesn’t publicly state a minimum credit score, based on customer reports and Capital On Tap reviews, here’s a general guideline:
✔️ Good Business Credit Score (65+ on Experian or Equifax) = High approval chance
✔️ Fair Business Credit Score (50–64 on Experian or Equifax) = Possible approval with lower credit limit
✔️ Poor Business Credit Score (Below 50) = Lower approval chance
Since Capital On Tap evaluates both business and personal financial history, having a strong business credit score can increase your credit limit.
Pro Tip: If your credit score is on the lower side, applying after a few months of higher revenue and paying off existing debts can boost your chances.
Capital On Tap offers business credit limits up to £250,000, but your credit limit is based on your business financials.
🔹 New small businesses: £5,000–£20,000 starting limit
🔹 Growing businesses with solid financials: £20,000–£100,000 limit
🔹 Large businesses with high revenue: £100,000–£250,000 limit
If your credit limit is lower than expected, you can request an increase after 3–6 months of responsible use.
Want to boost your approval chances and get a higher credit limit? Here are a few insider tips:
💼 Make sure your business details are up to date – Ensure Companies House records match what you enter in your application.
📈 Apply with a higher monthly revenue – Businesses making £5,000+ per month tend to get higher credit limits.
💳 Reduce existing business debt – If you already have high credit utilization, paying down balances before applying can help.
🏦 Have a strong business banking history – If you regularly deposit revenue into a business bank account (like Revolut Business, Wise, or a traditional bank), it can improve your approval chances.
✅ Use the card responsibly – Even if you start with a lower credit limit, paying off your balance in full for a few months can unlock a higher limit over time.
If your Capital On Tap credit card application is denied, don’t worry—you can reapply in 3–6 months after improving your business finances.
Here’s what to do next:
🔹 Check your business credit score – Use Experian or Equifax to see if there are any issues.
🔹 Reduce outstanding debt – Paying down existing credit cards or loans can improve your eligibility.
🔹 Grow your revenue – If your business revenue is below £2,000/month, wait until it increases before reapplying.
🔹 Contact Capital On Tap customer service – Sometimes a manual review can overturn a decline if you provide additional business documents.
No business credit card is perfect, and while Capital On Tap has a lot of positive reviews, it’s important to take a balanced look at customer feedback. In this section, we’ll cover real customer reviews, common complaints, and how Capital On Tap handles customer service issues.
Capital On Tap generally receives strong reviews from business owners, with high ratings across multiple platforms:
✔️ Trustpilot: ★★★★★ 4.8/5 (based on 30,000+ reviews)
✔️ Google Reviews: ★★★★★ 4.5/5
✔️ Capital On Tap Reddit Discussions: Mostly positive, with users praising ease of use and customer support
The most common positive Capital On Tap reviews highlight:
However, no company is perfect—so let’s dive into common complaints and concerns.
While Capital On Tap complaints are relatively rare, there are a few recurring issues that some business owners have reported:
❌ Lower Than Expected Credit Limits
Some applicants expect a high limit (e.g., £50,000+) but are initially approved for much less. This is especially common for newer businesses with limited financial history.
Solution: Credit limits often increase automatically after 3–6 months of responsible use. You can also request a review through the Capital On Tap customer service team.
❌ No Intro APR Offer
Some business credit cards (like Amex Business Gold) offer 0% intro APR for new customers, but Capital On Tap does not. This means if you carry a balance, you’ll pay interest from day one.
Solution: If you need 0% interest on purchases, consider an intro APR business card, or ensure you pay off your balance in full each month.
❌ Limited Perks Compared to Premium Amex Cards
A few users compare Capital On Tap to Amex Platinum Business, noting that Amex offers higher travel perks, concierge services, and travel insurance.
Solution: If you need luxury travel benefits, Capital On Tap Pro offers unlimited lounge access, but Amex Platinum is still better for travel-focused perks like hotel status and insurance.
❌ Not Accepted Everywhere (Mainly in the US)
Since Capital On Tap is a Visa, acceptance is high in the UK and Europe but less common in the US, where Amex and Mastercard dominate.
Solution: If you do business in the US often, it’s good to carry a backup card, such as Amex or a Mastercard business card.
One of the standout aspects of Capital On Tap is its customer service.
📞 UK-Based, 24/7 Support – Unlike many providers that use outsourced call centres, Capital On Tap’s customer service team is based in the UK and available 24/7.
💬 Live Chat, Phone, & Email Support – Customers report fast response times and helpful agents who quickly resolve issues.
📉 Customer Satisfaction Rating: 9.6/10 – Based on independent review sites, Capital On Tap ranks above competitors like Barclaycard and HSBC business credit cards.
💡 Our Experience: We’ve personally contacted Capital On Tap customer service multiple times, including for a QuickBooks integration issue. Not only did they fix the problem quickly, but they also gave us a refund for the Pro plan for an entire year—which was way above expectations.
Here’s how Capital On Tap customer satisfaction stacks up against other business credit cards:
Feature
Capital On Tap
Amex Business Gold
Barclaycard Business
Trustpilot Rating
★★★★★ 4.8/5
★★★★ 4.3/5
★★★ 3.8/5
Application Process
✅ Instant Decision
❌ Requires Full Review
❌ Slow (1–2 weeks)
Rewards System
✅ 1% Cashback or Avios
✅ Higher Category-Based Rewards
✅ Decent Cashback Offers
Foreign Fees
✅ None
❌ 2.99% Foreign Fees
❌ 2.75% Foreign Fees
Customer Service
✅ 24/7 UK-Based
❌ Mixed Reviews
❌ Slower Response Times
As you can see, Capital On Tap dominates in terms of ease of use, customer service, and foreign transaction fees, making it a great choice for small businesses that want simple, hassle-free spending.
So, after a full year of using Capital On Tap, would we recommend it?
Honestly, yes—without hesitation.
We’ve tried a lot of different business credit cards over the years, but few have been as seamless, rewarding, and hassle-free as Capital On Tap. It’s rare to find a card that just works in the way you hope it will. No weird hidden fees. No convoluted rewards system. No nonsense. Just a simple, powerful business credit card that does exactly what it promises.
We originally signed up because we were tired of leaving points on the table. Every month, we were spending thousands on our business—software, ad spend, suppliers, travel—but weren’t earning anything back from it. Amex wasn’t the right fit for us (clunky app, high fees, limited acceptance). Barclaycard didn’t feel worth it. So, we took a chance on Capital On Tap.
And after a year of full-time use, we can confidently say: it was one of the best financial decisions we made for our business.
From day one, it felt easy. The application was done in minutes, and we were approved instantly. No paperwork. No unnecessary credit checks. No waiting around. Within a few days, our Tap Business Card arrived, and we were up and running.
At first, we were just happy to start earning Avios points (we love to travel, so that alone was a win). But what we didn’t expect was just how smooth the entire experience would be.
👉 Paying bills, tracking expenses, and earning rewards felt effortless.
👉 The mobile app is genuinely one of the easiest we’ve used.
👉 No foreign transaction fees meant we could travel and spend abroad freely.
👉 Cashback and Avios rewards stacked up quickly—and the gift card options were a nice surprise.
And then, something happened that truly set Capital On Tap apart from every other business credit card we’ve used.
Remember how we signed up partly because of QuickBooks integration? Well, it turned out that when we first joined, it wasn’t actually available yet—despite being advertised.
Annoying, right?
But instead of getting the usual corporate brush-off, we got a phone call from an actual human at Capital On Tap. They apologized. They explained the situation. And then—without us even asking—they refunded us the full cost of the Pro plan for an entire year to make up for it.
Seriously. When was the last time a credit card company actually admitted a mistake and gave you money back for the inconvenience?
That moment alone was enough to win us over completely. And now? The QuickBooks integration is live, the setup works exactly how we want, and the entire experience has been seamless ever since.
Here’s how Capital On Tap fits into our financial system:
💳 80% of our business expenses now go through Capital On Tap – software subscriptions, ad spend, office supplies, flights, hotels—you name it.
🏦 We use Revolut Business as our financial hub – all payments flow in and out through there, with Capital On Tap sitting neatly as our go-to card for earning rewards.
📊 All expenses are tracked automatically – Capital On Tap syncs with QuickBooks and our accountant, making bookkeeping effortless.
🚀 End-of-month bill is paid off automatically – We never carry a balance (so no interest), and the whole system is hands-free.
And the best part? We now earn points on every single pound we spend. No more wasted business expenses.
If you’re a business owner looking for a card that just works, then yes—Capital On Tap is a no-brainer.
If you want a fuss-free way to earn cashback or points on your business spending, this is the best option we’ve found.
If you travel a lot, the Pro account’s lounge access alone is worth it.
If you’re tired of complicated credit card programs with hidden fees and endless restrictions, you’ll love how simple, transparent, and user-friendly this is.
But if you’re looking for 0% intro APR, super-premium travel perks, or a card that builds personal credit, this might not be the perfect fit.
100%. We’re keeping this card for the long run.
We’ve spent a full year testing it, and it has made our business finances smoother, more rewarding, and completely stress-free. There’s a reason it has some of the highest-rated reviews of any business credit card in the UK—it really is that good.
If you’re on the fence, our advice is simple:
👉 Sign up for the free version and give it a try. No fees, no risk. Just extra rewards for the business spending you’re already doing.
And if you travel a lot or want premium perks, the Pro account is a steal.
Either way, Capital On Tap is the business credit card we wish we had found sooner.
Highly recommended.
I feel like that should leave very few questions in your mind still about Capital On Tap!
It’s great to get all those thoughts down, and now I can relax …
But over to you …
Do you have any questions I missed?
Do you have anything else to add?
Are you going to just give it a go based on our review!?
Drop a comment below, I’d love to hear from you.
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