The credit card built for small businesses

Get uncapped 1% cashback on all card spending. Redeem for cash, gift cards, or against your balance. Apply and get a decision in 2 minutes.

Go further with credit limits up to £250,000
Free company cards with spend controls
No annual, FX, or ATM fees

Apply now

Florist Holding Business Credit Card

Trusted by over 200,000 businesses

Rates as low as 14.95% APR (variable)

Upgrade for Avios points

Auto-sync with accounting software

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Enter your code to get started with your application.

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Get rewarded for your business spending

Manage your business spending with smart controls and real-time visibility – all with no annual fee.

Track card spending in real-time
Make purchases immediately with virtual cards
Set spend limits for employees
Auto-sync to Sage, Xero, QuickBooks, FreeAgent, and more

Apply now

Rated excellent by our customers

4.9/5 Apple App Store

4.8/5 Google Play Store

4.7/5 Trustpilot

Preloading Dashboard On Mobile And Capital On Tap Business Credit Card

Fuel your opportunities with Preloading

Preload your account and spend beyond your credit limit all while earning 1% cashback on every purchase. Unlock your business spending power with Preloading.

Capital On Tap Business Credit Cards Customers

Why choose Capital on Tap?

Over 200,000 small business customers have spent more than £10 billion on their Capital on Tap Business Credit Cards.

Our customer stories prove why we are the best choice for your business credit card needs.

Apply now

Trusted by over 200,000 businesses

Business spend just got more rewarding

Come for the rewards, stay for the all-in-one spend solution.

Free

£0/year

No annual fee

Apply now

Uncapped 1% cashback on all card spending
Exclusive offers at partner brands
Redeem points against your balance, for cash, or for gift cards
Top up your balance with your own funds with Preloading
Unlimited, free employee cards
No foreign exchange fees
24/7 customer support

Business

£99/year

Billed annually

Apply now

Everything from Free, plus:

10,000 bonus points when you spend £5,000 in your first 3 months
Convert rewards points to Avios

Pro

£299/year

Billed annually

Apply now

Everything from Free, plus:

10,000 bonus points when you spend £5,000 in your first 3 months
Convert rewards points to Avios
Unlimited access to 1,600+ airport lounges for the main card holder
Two free guest lounge passes per year and guest discounts
Radisson Rewards VIP status
Premium metal card
Dedicated 24/7 customer support
Free Xero for 6 months

Capital on Tap reviews

Neema Rai Founder And Owner Of Tamesis Dock.3 (1)

Not only has my Capital on Tap Business Credit Card given me more time, but I’ve been able to give my staff more autonomy and authority while keeping an eye on our spending - plus all of the card benefits are a great bonus!

Neema Rai
Owner of Tamesis Dock

Read our customer stories

Capital On Tap Business Credit Card Rewards

1% cashback

Capital on Tap turns your business expenses into benefits with unlimited 1% cashback on all your business purchases.

Earn 1 point for every £1 you spend on your Capital on Tap Business Credit Card.

With Preloading, you can top up your balance to supercharge your rewards. Spend £50,000, and earn £500 in rewards points to redeem however you want.

Apply now

Capital On Tap Business Credit Card And Rewards Gift Cards

Travel and gift card rewards

Make being your own boss even more rewarding by earning rewards on every business purchase.

Use your rewards to reduce your balance, convert to cash, or buy gift cards. Upgrade to our Business Rewards or Pro plans to convert to Avios.

Accounting Contained Feature Dark (1)

Plug into your accounting software

Auto-sync transactions to Sage, Xero, Quickbooks, FreeAgent, and more to save time and stay organised with our integrated accounting solutions.

Set it to auto-sync daily for hassle-free expense management.

Apply now

Customer Service Agent

24/7 support

If you’re awake, so are we. Contact us any time to talk to a real person who’ll answer in 10 seconds or less.

We're here 24/7 to assist you with any questions or concerns you may have.

Capital On Tap Business Credit Cards App View

Track all your spending in one place

Improve your business management with the Capital on Tap app, a single platform for handling your business credit card and expenses. Get real-time notifications wherever you are.

Easily control your spending and your employees' expenses.

Capital On Tap Business Credit Card Team And Roles

Empower your employees

Enjoy free, unlimited company cards for all your employees with personalised spend controls.

Give them the freedom to buy what they need to get their job done, while staying in control of their spending with real-time spend alerts.

Apply now

Capital On Tap Virtual Credit Card Details

Start spending the moment you’re approved

Create virtual cards in seconds and start spending the moment you’re approved for a Capital on Tap account.

Urgent bills or invoices to pay? You don't have to wait for a physical card – virtual cards have you and your employees covered.

Barista Holding Capital On Tap Business Credit Card

Open an account online today

Apply and get a decision in 2 minutes
Make purchases immediately with your virtual cards
Your physical card will arrive in just 2 business days
Running your business just got easier

Apply now