Capital on Tap Business Credit Card

A Smart Choice for Small Businesses

Choosing the right business credit card UK can significantly impact a company’s cash flow, expense management, and even travel benefits. Among the top contenders, the Capital on Tap Business Credit Card has gained traction for offering simplicity, transparency, and meaningful rewards. Unlike many traditional providers, it targets small and medium-sized businesses with straightforward pricing and versatile cashback or Avios options.

Key Benefits

Unlimited Cashback on Every Purchase

Capital on Tap provides 1% cashback on all business spending, without restrictive categories. This is particularly attractive for companies with varied expenses, from software subscriptions and marketing costs to office supplies and travel bookings. Unlike capped reward systems, the unlimited nature means a business spending £100,000 annually could see £1,000 returned in pure cashback.

Avios and Rewards Flexibility

For business owners focused on travel, cashback points can be converted into British Airways Avios at a 1:1 ratio. This makes the card one of the few Avios business credit cards available in the UK, allowing owners to fund flights or upgrades with everyday spending. Alternatively, points can be redeemed for e-gift cards or hotel stays through Radisson Rewards.

High Credit Limits

Depending on eligibility, businesses can access credit limits up to £250,000. This provides valuable working capital flexibility, especially for SMEs managing seasonal fluctuations or growth investments.

Fee Transparency

The standard version of the card comes with no annual fee and zero foreign exchange fees, making it a strong contender for companies dealing with overseas suppliers. For those seeking premium perks, the Pro plan (£299/year) adds airport lounge access, Radisson VIP status, and a sleek metal card.

How It Works

Applying for the Capital on Tap Business Credit Card is straightforward, with approval decisions often delivered within minutes. Once approved, businesses receive both physical and virtual cards, and can instantly create additional employee cards with custom spending limits. The platform integrates with accounting tools like Xero and QuickBooks, offering automatic transaction syncing to reduce admin time.

Payments are due monthly, and businesses can choose to pay in full or spread balances across several months, similar to a revolving credit facility.

Comparison with Competitors

Feature / Card	Capital on Tap Free	Capital on Tap Pro (£299)	Amex Business Gold
Annual Fee	£0	£299	£175 (first year free)
Cashback/Rewards	1% cashback	1% + Avios conversion 1:1	Amex Rewards Points
Credit Limit Potential	Up to £250,000	Up to £250,000	Typically lower
Foreign Exchange Fees	None	None	2.99%
Extra Perks	Employee cards, integrations	Lounges, Radisson VIP	Travel insurance, Amex Offers

Cost-Benefit Analysis

For a company with moderate spending (e.g., £50,000 annually), the free version generates £500 cashback without any fees. For firms with higher volumes and frequent travel, the Pro plan could quickly pay for itself. For example, converting £200,000 spend into 200,000 Avios could mean multiple return flights to Europe or a business-class upgrade to New York—well above the £299 annual fee.

Use Cases

• Marketing agencies using the card for ad spend can reclaim thousands in cashback annually.
• E-commerce businesses importing goods avoid FX fees while building Avios for logistics travel.
• Consultancies issuing multiple employee cards gain tighter expense control and better visibility.

Conclusion & Next Steps

The Capital on Tap Business Credit Card UK combines simplicity with high-value rewards, positioning itself as one of the best business credit cards UK for SMEs. Its unlimited cashback, high limits, and travel rewards flexibility give it an edge over many legacy providers.In the next section (Page 2), we will explore a detailed guide, practical hacks to maximise rewards, a full FAQ with uncommon questions, and comparisons with alternative providers.