Business Credit CardCapital on Tap Business Credit Card
A business credit card for UK limited companies and LLPs, with uncapped 1% cashback on all card spend, up to 42 days interest free and credit limits up to £250,000. Rates from 13.86% APR (variable). Subject to status and eligibility.
Bee Compared Ltd is a credit broker, not a lender. Applications are made directly to Capital on Tap, who make the lending decision.
Two plans to choose from
Choose your plan once your application is approved. Both plans include the same card, credit line and cashback on card spend.
Free plan
No annual fee. Uncapped 1% cashback, interest-free period and unlimited employee cards as standard.
- Uncapped 1% cashback on all card spend
- Up to 42 days interest free
- Unlimited free employee cards
- No FX or UK ATM fees
- 3 months free Xero (first-time subscribers)
- Access to instant savings account (3.82% AER, variable)
Pro plan
Adds travel perks, enhanced reward rates and a premium metal card for an annual fee.
- Everything in Free, plus:
- 10,000 bonus points when you spend £5,000 in first 3 months
- 1.25% cashback on preloaded spend
- Unlimited access to 1,600+ airport lounges (main cardholder) + 2 guest passes
- Enhanced Avios, Virgin Points and Radisson Rewards redemption rates
- Complimentary Radisson Rewards VIP status
- Complimentary digital subscription to The Times
- Premium metal card
- 6 months free Xero (first-time subscribers)
Key rates and fees
Rates are variable and depend on your business profile. The rate offered to you is confirmed by Capital on Tap at application.
What the card includes
Uncapped 1% cashback
Earn 1% back on all card spend — no caps and no category restrictions. Pro plan members earn 1.25% on preloaded spend.
Up to 42 days interest free
Pay your balance in full and on time each month and pay no interest on card purchases.
No FX or UK ATM fees
Spend abroad in any currency without foreign exchange fees, and withdraw cash at UK ATMs fee-free.
Unlimited employee cards
Issue physical and virtual cards to your team free of charge, each with its own spend limit. Freeze or block any card instantly from the app.
Accounting integrations
Transactions sync daily to Xero, QuickBooks, Sage and FreeAgent. Upload receipts from the app for expense management.
24/7 UK-based support
A UK support team available around the clock, including bank holidays.
How cashback can be redeemed
Every £1 of card spend earns 1 point. Points can be redeemed in the following ways.
Who can apply?
A personal guarantee is required. Eligibility, credit limit and rate are decided by Capital on Tap based on their assessment of your application. Approval is not guaranteed.
Important: Subject to status and eligibility. Rates are variable and depend on your business profile. Representative rate from 13.86% APR (variable). A personal guarantee is required. Missing repayments can affect your business and personal credit rating.
Capital on Tap is a trading name of New Wave Capital Limited, a private limited company incorporated in England and Wales (company number 07959823), registered office 27 Old Gloucester Street, London, WC1N 3AX. New Wave Capital Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 625592 in respect of consumer credit activities) and is authorised under the Electronic Money Regulations 2011 (firm reference number 900922) for the issuing of electronic money. Preloaded funds are held as e-money and safeguarded under those Regulations — they are not covered by the Financial Services Compensation Scheme.
Bee Compared Ltd is authorised and regulated by the Financial Conduct Authority (FRN 1050061) as a credit broker, not a lender. We introduce customers to Capital on Tap and receive a commission from Capital on Tap for the introduction. We do not provide advice and do not recommend specific products. The lending decision, credit limit and rate are set by Capital on Tap.
Ready to apply?
The application is made directly with Capital on Tap and typically takes a few minutes. Subject to status.