More than 200,000 UK businesses have run over £20 billion through the Capital on Tap Business Credit Card — and it is not hard to see why. With unlimited 1% cashback on every pound spent, no annual fee on the Free plan, and a Capital on Tap promo code offer of 7,500 bonus points on sign-up, it is one of the most rewarding business credit cards available to UK SMEs. Apply online, get a decision in around two minutes, and access a virtual card instantly.
If you have been searching for a Capital on Tap promo code or a way to make your business spending work harder, the BudgetFitter verified referral offer is the most straightforward route in. There are no complicated hoops — sign up through the verified link, meet the eligibility criteria as a UK-registered business, and the bonus points land in your account automatically.
Everything You Need to Know About Capital on Tap
How the Business Credit Card Works
Capital on Tap is a dedicated business credit card for UK-registered businesses — sole traders, limited companies, and LLPs alike. Unlike a business current account, it operates as a revolving credit line, meaning you spend now and pay at month end (or set up autopay to clear the balance automatically). Credit limits run from £1,000 up to £250,000, making it viable for both micro-businesses and fast-growing SMEs with significant monthly outgoings.
The application is entirely online. Most applicants receive a credit decision within two minutes, and a virtual card is ready to use immediately on approval. A physical card follows within two business days. There are no foreign transaction fees and no ATM fees, which benefits businesses dealing with international suppliers or travelling teams.
Rewards, Cashback and the 7,500 Bonus Points Offer
The core reward on the Free plan is 10 points per £1 spent — equivalent to unlimited 1% cashback with no spending cap and no category restrictions. Points can be redeemed as straight cashback off your statement, Avios via British Airways Executive Club or Qatar Airways Privilege Club, Virgin Points redeemable on flights and Virgin Voyages, or gift cards.
The current sign-up offer tracked by BudgetFitter is 7,500 bonus points on approval. That is worth up to £75 in cashback value, or more if redeemed for Avios or Virgin Points at favourable conversion rates. BudgetFitter maintains the verified offer details — check the deals section above for the latest availability.
One underused feature is the preloading option. If a large purchase exceeds your credit limit, you can top up the card with your own funds and still earn cashback on the full amount spent. For businesses with seasonal stock buys or large one-off supplier payments, this is a meaningful way to accumulate rewards on spending that would otherwise miss the card entirely.
Free Plan vs Pro: Which Is Right for Your Business?
The Free plan carries no annual fee and delivers the core proposition: unlimited 1% cashback, employee cards, and accounting integrations. For most small businesses, this is the natural starting point.
The Pro plan costs £299 per year (billed annually) and is aimed at higher-spending businesses that want to maximise travel rewards. Pro upgrades the cashback rate to 1.25%, offers 1:1 Avios and Virgin Point conversions (rather than the standard rate), unlocks access to over 1,600 airport lounges worldwide, and includes Radisson hotel VIP status with room upgrades and complimentary breakfasts. Pro members also receive a premium metal card and a Times digital subscription. For a business spending £30,000 or more per year on the card, the additional rewards can offset the annual fee comfortably.
Team Controls, Accounting Sync and App Features
Capital on Tap allows unlimited free employee cards, each with individually set spending limits and real-time visibility for the account holder. This is particularly useful for businesses with field teams, remote workers, or staff who handle their own procurement. Spend alerts are sent in real time via the app (rated 4.9 out of 5 on the App Store and 4.7 out of 5 on Trustpilot), so there are no end-of-month surprises.
Accounting integrations cover Xero, Sage, QuickBooks, and FreeAgent, with automatic transaction sync removing the need for manual reconciliation. For businesses evaluating their accounting stack, the Startup Accounting App Picker on BudgetFitter can help identify the right software to pair with the card.
Capital on Tap also offers an Instant Savings account alongside the credit card — FSCS-protected, available from £1, with flexible withdrawals and no penalties. It is a sensible place to park cash reserves while keeping them accessible.
Is Capital on Tap Right for Your Business?
Capital on Tap is a strong fit for UK SMEs that want a single card to handle all business spending, earn meaningful rewards, and integrate cleanly with accounting software — without paying an annual fee to do so. The high credit limit ceiling and quick online approval process make it accessible to a wider range of businesses than many high-street alternatives.
It is worth comparing against business account options such as Airwallex Business Account or Wallester Business Account, which serve different needs — multi-currency payments and card issuing functions respectively. Capital on Tap sits alongside these as a dedicated credit card with a rewards layer, rather than replacing a business bank account.
BudgetFitter tracks the verified Capital on Tap promo code offer and updates this page whenever a new sign-up bonus becomes available. Use the deals section above to access the current BudgetFitter-verified offer.
