The rewarding choice for small businesses

Capital on Tap rewards explained

Tap into better benefits

Tap into more by preloading your account

Don’t be restricted by your credit limit. Top it up with your business funds to make the most of our uncapped 1% cashback. 

Got a £50,000 limit? Elevate it to £150,000 by preloading your own funds. Use your preloaded balance to make larger payments, maximise your rewards, and consolidate your spending. 

1% cashback on business spend

Redeem it against your balance, turn it into cash, and purchase gift cards. With Preloading, top up your balance to boost your spending power and rewards earnings. Upgrade to our Business Rewards or Pro plans to convert to Avios.

Start earning rewards today!

Unlimited, free cards for all your employees

Integrate with your favourite accounting software

Seamlessly integrate with popular accounting software like Sage, Xero and FreeAgent. Enjoy daily auto-syncing, categorised expenses, and up to 90 days of historical data syncing. 

24/7 UK-based customer service

Escape automated phone systems and long hold times. Connect with a real human in under 10 seconds, day or night, via phone, chat, or email.

Need account help or product info? We've got you.

Your questions, our experts, 24/7.

Pay £0 in fees

No annual fees. No foreign exchange fees. No ATM fees. 

Apply today and experience a business credit card that truly has your financial well-being in mind.

Virtual cards for instant spending

Start spending instantly with your virtual card. Our virtual cards offer control, security, and budgeting. Allocate funds to expenses, monitor your budget in real-time, and enjoy instant access to your money with added security measures. 

Great rates and up to 42 days interest-free

Take your business to new heights with rates as low as 15.22% APR (variable), and up to 42 days interest-free credit on your card spend when you pay in full and on time.

Easy and flexible repayment options, including weekly or monthly Direct Debit, debit card, or bank transfer. 

Use your card with Apple or Google Pay

Fraud protection

Stay protected with Visa’s Zero Liability Policy - a guarantee that you won’t be held responsible for unauthorised payments made with your account or account information. You can learn more about this policy, including its exceptions, on the Visa Zero Liability Policy page.

Dispute card transactions by contacting our 24/7 customer service team, via phone, email or online chat.

Build your business credit score

Charge it up, pay it off, watch your score take off - using a business credit card can boost your business credit score in no time

Whether you're looking to secure a mortgage, attract investors, or simply improve your financial standing, our business credit card can help get you there.