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Capital on Tap offers business credit cards with credit limits up to £250,000 and rates as low as 13.86% APR (variable), subject to eligibility. With Capitalise, you can access Capital on Tap alongside our panel of 130+ UK lenders, and your funding specialist will help you find the right lender and product for your business.
Who is Capital on Tap and what do they do?
Capital on Tap was founded in London in 2012 to give small businesses easier access to funding. Today, over 350,000 small businesses have spent more than £40 billion with their Capital on Tap Business Credit Cards. The platform helps businesses access credit, manage employee expenses and earn rewards on the money they already spend.
What plans does Capital on Tap offer?
Capital on Tap specialises in business credit cards, with credit limits up to £250,000 and rates as low as 13.86% APR (variable) on two plans.
Free plan (£0/year)
Pro plan (£299/year, billed annually)
How quickly can you get a Capital on Tap card?
You can apply and get a decision in 2 minutes. Once approved, you can start spending with virtual cards straight away, and your physical card arrives in 2 to 5 business days. Capital on Tap runs a soft search on your personal credit file when you apply, so applying doesn't affect your personal credit score. A full search is made on your business credit file when you sign the credit agreement.
What are the benefits of a Capital on Tap business credit card?
A business credit card can help you manage cash flow, spread the cost of purchases and build a stronger business credit profile. Here's what Capital on Tap brings to that.
Higher limits, lower rates
Credit limits go up to £250,000, with rates as low as 13.86% APR (variable). The Free plan costs £0/year and has no foreign exchange fees.
Uncapped 1% cashback on spend
The Free plan gives you uncapped 1% cashback on all card spending. On the Pro plan, you earn 1.25% on all preloaded card spend. Reward points can be converted to Avios with The British Airways Club or Qatar Airways Privilege Club.
Preloading to raise your spending power
Preloading lets you add your own business funds to your account so you can spend beyond your credit limit, which is useful for larger one off payments.
Unlimited free cards for employees
You can issue unlimited, free employee cards. Set individual spending limits per card, get real time spend alerts and freeze or block cards instantly from the app.
Who is eligible for a Capital on Tap business credit card?
To apply, you and your business need to meet the following criteria:
The following aren't eligible for a Capital on Tap card:
How much does a Capital on Tap card cost?
The Capital on Tap Business Credit Card annual rates are as low as 13.86% (variable). Your final rate depends on your personal and business credit history and the Bank of England base rate.
The Free plan costs £0/year and the Pro plan costs £299/year, billed annually. Pay off your balance in full on a weekly or monthly basis to avoid high interest charges.
If a scheduled repayment cannot be collected and Capital on Tap is unable to reach you, your account may incur a late payment fee as outlined in your credit agreement.
Compare Capital on Tap and other lenders instantly
Capital on Tap is one of the business credit card providers on our panel of 130+ UK lenders. With one application, you can compare business credit cards from different providers side by side, as well as other options like business loans, so you can choose the funding that best fits how your business spends and grows.
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