Capital on Tap · Business credit
Capital on Tap Business Credit Card review
The Capital on Tap Business Credit Card pays uncapped 1% cashback, or points you can convert to Avios, with no annual fee on the standard card and no foreign transaction fees. Credit limits go up to £250,000, and employee cards are free.
Who Capital on Tap is best for
UK small businesses wanting free cashback, businesses spending abroad and companies that need credit limits up to £250,000.
Directors who won’t sign a personal guarantee and businesses with turnover under £24,000.
The Capital on Tap Business Credit Card pays uncapped 1% cashback, or points you can convert to Avios, with no annual fee on the standard card and no foreign transaction fees. Credit limits go up to £250,000, and employee cards are free.
Like most UK business credit cards, it needs a personal guarantee from a director, and your business must be UK-registered or have a UK-based director, with turnover of at least £24,000. A Pro version costs £299 a year. It’s rated 4.7 on Trustpilot from more than 18,000 reviews.
Fees, features and eligibility
| Rewards | 1% uncapped (or convert to Avios) |
|---|---|
| Annual fee | £0 |
| Fees | £0 (Pro: £299 a year) |
| Payment terms | Revolving credit, up to £250,000 |
| Foreign transaction fee | £0 |
| Card type | Business credit |
| Eligibility | UK-registered business or UK-based director; turnover of £24,000+ |
| Personal guarantee | Required from a director |
| Currencies | GBP |
Source: Capital on Tap published product information.
What stands out
Pros
- Uncapped 1% cashback
- No annual fee on the standard card
- No foreign transaction fees
- Credit up to £250,000
Cons
- Personal guarantee from a director
- Minimum turnover of £24,000
Capital on Tap: common questions
Does Capital on Tap have an annual fee?
The standard card has no annual fee. The Pro card costs £299 a year.
How much cashback does Capital on Tap pay?
Uncapped 1%, or points you can convert to Avios.
Does Capital on Tap charge FX fees?
No, there are no foreign transaction fees.
Who can apply for Capital on Tap?
UK-registered businesses or businesses with a UK-based director, with turnover of at least £24,000.
Does Capital on Tap require a personal guarantee?
Yes, from a director.
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