Capital on Tap Business Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Capital on Tap Business Credit Card4.8/5

Capital on Tap

Annual fee
£0
Rewards rate
1%-1%
Welcome Bonus
10,000 points
Apply Now →on Capital on Tap's website
Regular APR:13.86%-86.24% Variable APR

  • 1%Cashback on all eligible business spend

Welcome Bonus:

Earn 10,000 points on Pro tier when you spend £5,000 in your first 3 months, or 7,500 bonus points worth £75 on the free tier with specific partner codes after your first transaction.

Reward Rate:

Earn 1% cashback or Avios points on every purchase.

APR:

13.86%-86.24% Variable APR

The Capital on Tap Business Credit Card stands out as the top choice because it offers uncapped 1% cashback on all business spending with no annual fee, making it an excellent option for small businesses looking to maximize their rewards without incurring extra costs.

Pros:

  • No annual fee
  • Uncapped cashback

Cons:

  • Requires £2,000 spend for cashback
  • Limited welcome bonus on free tier
Apply now →

The Capital on Tap Business Credit Card is well-suited for small business owners seeking a no-fee credit card that provides a straightforward cashback reward structure. With its uncapped 1% cashback on all purchases and a welcome bonus, this card can be an effective tool for managing business expenses while earning rewards.

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