Capital on Tap Business: More Value for Your Business

Power your business purchases while earning rewards on every eligible transaction.

The Capital on Tap Business Credit Card is designed for UK businesses that want more control, flexibility and rewards from their everyday spending. Rather than being just a payment method, this card works as a financial tool that helps companies manage expenses efficiently while earning cashback on every eligible purchase.

Built with small and medium-sized businesses in mind, Capital on Tap combines generous credit limits, simple rewards and modern digital tools. Whether you are paying suppliers, covering travel costs, purchasing stock or managing employee expenses, the card helps streamline spending and return value to your business.

What truly sets this business credit card apart is its focus on simplicity. There are no complicated reward schemes, no spending categories to track and no unnecessary conditions. Every purchase contributes to cashback, making it easy to understand how your spending benefits your company.

Key Benefits and Detailed Features of the Capital on Tap Business Credit Card

The Capital on Tap Business Credit Card offers a strong set of features that support daily operations, growth and financial planning. Below is a detailed overview of its main advantages.

Unlimited cashback on all business spending

With this card, your business earns 1% cashback on every eligible purchase, with no cap on how much you can earn. This means routine expenses such as office supplies, fuel, subscriptions and travel costs generate real value over time.

Enhanced cashback with the Pro plan

Businesses that choose the Pro plan can benefit from up to 1.25% cashback on spending funded by preloaded money. This option is particularly attractive for companies that plan larger purchases and want to maximise their cashback returns.

High credit limits for growing businesses

Eligible businesses may access credit limits of up to £250,000, providing flexibility for significant investments, inventory purchases or seasonal expenses. This makes the card suitable for both day-to-day costs and larger operational needs.

Multiple ways to redeem rewards

Cashback can be used to reduce your card balance, withdrawn as cash or converted into a range of reward options, including travel-related rewards and vouchers. This flexibility allows you to choose how rewards best support your business goals.

Unlimited employee cards at no extra cost

The card allows you to issue unlimited additional cards for employees. You can set individual spending limits and monitor transactions in real time, helping maintain control while empowering your team to spend when needed.

Instant virtual cards

Once approved, businesses can create virtual cards instantly, allowing immediate spending without waiting for the physical card. This is ideal for urgent purchases, online payments and managing subscriptions.

No foreign exchange or ATM fees

Capital on Tap does not charge foreign exchange fees or ATM fees, making the card suitable for international spending and overseas travel. This helps businesses avoid common extra costs associated with global transactions.

Flexible repayment options

The card supports weekly or monthly repayments, giving businesses flexibility in managing cash flow. When balances are paid in full on time, businesses can benefit from up to 42 days interest-free on purchases.

Digital-first expense management

Through the online platform and mobile app, you can track spending, review transactions, download statements and analyse expenses in real time. These tools make financial oversight simple and efficient.

24/7 customer support and security

Round-the-clock support is available if you need assistance. Spending alerts, card controls and security features help protect your business and prevent unauthorised use.

Fees and Charges Explained Clearly

Capital on Tap keeps its fee structure straightforward and transparent. Below is a simple overview of the main charges.

Fee Type	Details
Annual fee (Standard)	£0
Annual fee (Pro plan)	£299
Cashback rate	1% uncapped (up to 1.25% on preloaded funds with Pro)
Interest rate	Variable, based on credit profile
Foreign exchange fees	£0
ATM fees	£0
Employee cards	Free

The Pro plan’s annual fee unlocks enhanced cashback and premium features, while the standard plan remains a strong no-fee option for businesses that want straightforward rewards.

How Capital on Tap Compares to Other Business Credit Cards

When compared with other UK business credit cards, Capital on Tap stands out for its balance between rewards, flexibility and control. Many business cards limit cashback through caps, categories or complex reward structures. Capital on Tap offers uncapped cashback on all eligible spending, making it easier to earn consistently.

While some competitors charge annual fees or restrict employee cards, Capital on Tap provides unlimited free employee cards and high credit limits, helping businesses scale without added complexity. For companies that value simplicity, transparency and strong rewards on everyday expenses, Capital on Tap delivers a more practical alternative to traditional business credit cards.

Eligibility Requirements and How to Apply

The Capital on Tap Business Credit Card is available to a wide range of UK businesses, subject to standard checks.

Eligibility requirements

To apply, your business will typically need to:

• Be registered in the UK
• Have a business bank account
• Provide basic business and personal details
• Pass business and personal credit checks

Approval and credit limits depend on your company’s financial profile and affordability assessment.

How to apply

The application process is fast and fully online:

1. Complete the online application with business details
2. Undergo an initial eligibility assessment
3. Receive a decision, often within minutes
4. Start spending immediately with virtual cards if approved

This streamlined process is designed for business owners who want quick access to credit without unnecessary paperwork.

Frequently Asked Questions About the Capital on Tap Business Credit Card

1. How does cashback work?

Your business earns cashback automatically on every eligible purchase, with no categories or limits to track.

2. Can I add employee cards?

Yes. You can issue unlimited employee cards and control spending limits for each cardholder.

3. Is the card suitable for international spending?

Yes. The card can be used internationally without foreign exchange fees, making it ideal for overseas purchases and travel.

4. How quickly can I use the card after approval?

Virtual cards are available immediately, allowing you to start spending straight away.

5. Is the Pro plan worth it?

For businesses with higher spending volumes, the Pro plan can offer greater cashback value and additional features that justify the annual fee.

Final Thoughts: A Smart Tool for Business Spending

The Capital on Tap Business Credit Card offers a powerful combination of uncapped cashback, flexible credit limits and modern expense controls. It is designed to support businesses that want to simplify spending while earning tangible rewards from everyday expenses.

With no foreign exchange fees, unlimited employee cards and instant virtual access, the card adapts easily to the needs of growing companies. Whether you choose the standard option or the Pro plan, Capital on Tap provides a practical and scalable solution for managing business finances.

For UK businesses looking to turn routine spending into measurable value while maintaining control and flexibility, the Capital on Tap Business Credit Card stands out as a compelling choice.