Business Credit Cards

Access up to £100,000 to grow your business

Business Credit Card

*Applying for a card will not affect your credit score
Cot Visa Uk With Shadobr Optimised

*Applying for a card will not affect your credit score
  • Tick IconCredit facility of up to £100,000
  • Tick IconUp to 56 days interest free on card purchases
  • Tick IconNo FX or UK ATM charges
  • Tick IconUp to 10 free supplementary cards

Free

Business Rewards Credit Card

1% cashback or 1 Avios for every £1 of card spend

*Applying for a card will not affect your credit score
Cot Visa Uk Navy With Shadow Optimised

1% cashback or 1 Avios for every £1 of card spend

*Applying for a card will not affect your credit score
  • Tick IconCredit facility of up to £100,000
  • Tick IconUp to 56 days interest free on card purchases
  • Tick IconNo FX or UK ATM charges
  • Tick IconUp to 20 free supplementary cards
  • Tick IconEarn 1 point for every £1 of card spend
  • Tick IconRedeem 1 point for 1p (1% cashback) or 1 Avios
  • Tick Icon10,000 bonus points that you can redeem for £100 cashback or 10,000 Avios** when you spend £5,000 on your card in your first 3 months

£99

**The bonus points offer is only applicable to customers for whom this is their first rewards card with Capital on Tap. Avios are issued and redeemed in accordance with the British Airways Executive Club terms and conditions. See ba.com/theclubterms

We have now lent over £2 billion directly to small businesses in the UK.

Find out how we got there
2000000000

Lent to UK Businesses

Small business owner

We've helped more than 120,000 businesses all over the UK

Running a business is hard. We believe that accessing funding for your business shouldn't be complicated or time-consuming. See why we've helped over 120,000 businesses get funding to grow their business.

Capital on Tap credit card comes with no ATM or foreign transaction fees

Say goodbye to terrible fees

We don't charge any FX, ATM, or other hidden fees and, if you pay your balance in full, you won't pay any interest on your card purchases

Interest rates lowered if good borrowing behaviour

Great rates as low as 9.9% APR

Actual rate may vary based on your business profile, representative APR of 39.9%.

Leading accounting software integrated with Capital on Tap account

Run smooth with our accounting integration

We have integrated with all top accounting software to make it easier for you to run your business. 

Up to 20 supplementary cards with an individual spending limit on each

Get as many cards as you need to run your business

Get up to 20 supplementary credit cards for free for your employees and partners and set a spending limit for each card.

Applepay

Use your Capital on Tap card with Apple Pay

You can use Apple Pay in stores wherever you see the contactless symbol, in apps and on the web. Reading this on an eligible device? Activate your card in Wallet now. 

 

   

 

Rewards program

Join our Rewards programme

Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback) or 1 Avios. £99 upfront annual fee. 10,000 bonus points that you can redeem for £100 cashback or 10,000 Avios when you spend £5,000 on your card in your first 3 months.
Sign up today!

Avios are issued and redeemed in accordance with the British Airways Executive Club terms and conditions. See ba.com/theclubterms

Learn why our customers love us.

We have already helped over 120,000 businesses in the UK and add a new customer every 5 minutes. See how we can help you today.

Frequently asked questions

Everything you need to know about business credit cards

A business credit card is a credit card assigned to your business rather than an individual. It offers a revolving credit line and a monthly credit limit that can be used to pay off your company expenses. It's a convenient solution when a business needs to quickly access additional funds for short-term needs or increase its purchasing power. Business credit cards often come with extra benefits for you and your company like business rewards, supplementary cards for employees or accounting software integration.

To find out more, read our “What are small business credit cards” guide. 

The application process will be different for every credit card provider, but you can usually apply online, by phone or by visiting a branch. You will be asked to provide several details so it’s worth having the required information to hand before you start your application. These may include your business details, personal details, desired credit limit and what you are planning to use the credit card for. 

To find out what information you may need and how to apply for the Capital on Tap business credit card, read our “How to apply for a business credit card” guide. 

To apply for the Capital on Tap credit card, click here.

A business credit card works the same way as your personal credit card but instead of being issued to your personal account, it’s issued to your business account. Unlike your personal credit card, a business credit card should only be used to finance your business expenses. 

To find out more, read our “What is the difference between personal and business credit cards?” guide.

A business credit card can help you manage your cash flow - you can simply use your pre-approved credit without having to apply for finance every time you need extra funds and the cost can be spread over several months. Just remember that once your interest-free period is over, you will be charged interests if you don't pay your balance in full. 

Business credit cards are not only an easy way of keeping your business expenses separate to your personal ones but they also come with attractive rewards like cashback or loyalty scheme points on your business spend and other benefits like accounting software integration and supplementary cards for your employees. 

To read more about the benefits of having a business credit card, read our “What is the difference between personal and business credit cards?” guide.

To find out more about business rewards credit card, read our “What are rewards credit cards” guide.

No, business credit cards need to be used for legitimate business purposes like corporate travels, phone and internet bills, stock, supplies or equipment. Business expenses can be submitted to the HMRC and offer tax deductions and savings on your company tax bill.  There may be an overlap between business and personal expenses, therefore, it’s crucial that business expenses are not abused or it can make your tax return void and incur serious penalties. 

Read more about “What can you use your business credit card for” in our guides. 

A personal guarantee is a legally binding agreement that holds you responsible for paying off your credit card debt. As business credit cards are a type of unsecured finance, most providers will require a personal guarantee.