Compare Capital on Tap & other business lenders with Capitalise

Who is Capital on Tap and what do they do?

Capital on Tap makes it easy for small businesses to access funding, manage employee expenses and earn rewards on what they spend. Since 2012, more than 20,000 small businesses have spent over £10 billion on their Capital on Tap Business Credit Cards.

What financial products do Capital on Tap offer?

Capital on Tap specialise in business credit cards that give small businesses access to capital, higher limits and tailored rewards. Capital on Tap Business Credit Cards are available on two different plans:

Free Rewards (no annual fee)

Uncapped 1% cashback on card spending
Practical credit limits of up to £250,000
Up to 42 days interest-free on card spending
Balance can be topped up with your own funds
No foreign exchange or ATM charges
Unlimited free employee cards
Redeem points for cash or gift cards

Business Rewards (£99 per year)

Uncapped 1% cashback on card spending
Practical credit limits of up to £250,000
Up to 42 days interest-free on card spending
Balance can be topped up with your own funds
No foreign exchange or ATM charges
Unlimited free employee cards
Redeem points for cash or gift cards
Redeem points for Avios
10,000 bonus points when you spend £5,000 in your first 3 months

What are the benefits of a business credit card from Capital on Tap?

Credit cards have a lot of potential benefits for small businesses from supporting healthy cash flow management and spreading costs, to helping you build a better business credit profile. You’ll likely get an instant decision on eligibility, get set up and ready to spend very quickly and benefit from flexible repayment terms.

Let’s take a look at some of the specific benefits of business credit card from Capital on Tap:

Higher limits, lower rates, less fees

Capital on Tap offers credit limits up to £250,000 with rates as low as 15.5% APR (variable. In addition, you won’t have to pay any annual, FX or ATM fees with a Capital on Tap Business Credit Card. You can also benefit from up to 42 days of interest-free spending and flexible repayment options, including weekly or monthly Direct Debit, debit card or bank transfer.

Uncapped 1% cashback on spend

You get uncapped 1% cashback on all your card purchases made with a Capital on Tap Business Credit Card. Say, for example, you spend £1,000 on fuel or other travel costs over the course of a month. You’ll get £10 worth of points which you can use for cashback, gifts or other rewards including Avios.

Preloading: a way to top your limit

You can top up the credit limit on your Capital on Tap Business Credit Card with your own business funds. This benefit is called preloading. Preloading your own funds is a way to elevate your limit, so you can make larger payments and get the most out of the rewards that Capital on Tap offers, including 1% cashback.

Unlimited free cards for employees

Another benefit of a Capital on Tap Business Credit card is that you get as many company cards as you like for your employees to use. This gives your team a way of paying for business expenses without having to use their own money. You can set custom limits for each employee card, track and control spending in real time, and freeze cards instantly from your smartphone.

24/7 customer service and more

With an excellent Trustpilot rating of 4.7 out of 5 stars on Trustpilot, Capital on Tap gives small businesses access to 24/7 UK-based customer service. Some other benefits of a Capital on Tap Business Credit Card includes accounting software integrations, virtual cards, and use with Apple or Google Pay. You’ll also have access to a variety of exclusive offers for business products and services from insurance and car rental to software subscriptions.

Compare Capital on Tap and other lenders instantly

As with any type of finance, credit cards may not be the best fit for your business. Make sure to compare several different business credit card options and consider other borrowing options to find the one best suited to your needs.

At Capitalise, we work with 100+ UK lenders, which means you can easily compare Capital on Tap to many other options available in the market. When you search for funding with Capitalise, we’ll match your business with the lenders most suited to your needs and you’ll be able to apply to up to four lenders in just one application for ease. With support from a dedicated funding specialist, you can compare all of your options to find the right solution for your business.

Capital on Tap