Cashback Business Credit Card

Name: Cashback Business Credit Card
Brand: Capital on Tap
Rating: 4.9 (10941 reviews)

Get money back on everyday business expenses when you use a cashback business credit card.

Unlimited 1% cashback on card spend
Redeem points for cashback, gift cards, and more
Convert points to Avios for free

Apply now

Trusted by over 200,000 businesses

Practical credit limits up to £250,000

Rates as low as 14.40% APR (variable)

No annual, FX, or ATM fees

Capital on Tap rewards explained

Discover the rewards of business ownership, starting with your spending!

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How to choose the right cashback business card

There are a few things to consider to find the right cashback business credit card for you and your business.

Cashback rate

Earn 1% cashback on everything you buy with your card. Pro customers get 1.25% back on spend made using preloaded funds. It’s an easy way to boost your business rewards.

Eligible spend

You earn 1% back on everything, from travel and tools to office supplies. There are no confusing categories—just simple, straightforward rewards on everything.

Fees

There are no annual fees and no foreign transaction fees. So you can use your card anywhere in the world without paying extra, and still earn cashback.

Interest rate

With rates as low as 14.40% APR (variable), you get a competitive deal. And if you pay off your balance in full each month, you won’t pay any interest at all.

Extra benefits

Get free employee cards, use virtual cards for online purchases, and top up your account with your own money when you need more to spend.

Capital On Tap Business Credit Card Rewards

Your business, your points, your way

With the Capital on Tap card, you earn 1 point for every £1 spent.

Spend £50,000 on your card and you'll have £500 in points. You can use your cashback points to:

Reinvest in your business
Reward your team
Purchase gift cards
Convert to Avios

Apply now

Preloading Dashboard On Mobile And Capital On Tap Business Credit Card (1)

Get more cashback with Preloading

With Preloading, you can top up your Capital on Tap Business Credit Card using your own money. This way, you can spend more without increasing your limit — and still earn cashback just like you would with credit.

Pro customers get even more back with 1.25% cashback on anything they buy using their preloaded funds.

Rated excellent by our customers

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I think what I love most about Capital on Tap is that every time I make a business purchase, you guys give me 1% back—which I’ve never had before. It’s been such a game-changer for my business.

Paola Ash
Owner of The Chelsea Clinic

Read our customer stories

Turn rewards into travel

Your points can now be converted to Avios at no extra cost. Transform everyday business spending into flights, hotel stays, and travel upgrades through British Airways Club and its partners.

Lower your credit card bill

Use your cashback to pay your outstanding balance.

Have 40,000 rewards points? That's £400 off your bill, giving you more money to invest in growing your business.

Apply now

Holding Capital On Tap Business Credit Card In Front Of Laptop

Put cash in your wallet

Want your rewards as cash? Simple.

Turn your points into money and send it straight to your business bank account—or any bank account, at a lower rate. Spend the money however you like.

Capital On Tap Business Credit Card And Rewards Gift Cards

Treat yourself to gift cards

Use your points on vouchers from Amazon, John Lewis, Tesco, and more. It’s a simple way to reward yourself or your team.

Alex Miles Capital On Tap Uk Managing Director Square

For small businesses, every penny counts. Our 1% cashback lets entrepreneurs earn rewards simply by paying for the things they need to run their operations. By putting cash back into their hands, we're helping them stretch their budgets further and keep more profits in their pockets where it belongs.

Alex Miles
Chief Operating Officer at Capital on Tap

Paying With Capital On Tap Business Credit Card

What is a cashback business credit card?

A cashback business credit card gives your business money back on purchases. You get a percentage of your spending returned to you as a reward for using the card.

With a 1% cashback card like the Capital on Tap Business Credit Card, spending £1,000 on office supplies would earn you £10 worth of points. You can turn your points into cashback, Avios, gift cards, and more.

Apply now

Falling Cards Full Feature Mobile Dark (1) (1)

How does cashback for credit cards work?

A cashback credit card works like to a normal credit card. But you get an extra perk—you earn rewards on your spending. With the Capital on Tap Business Credit Card you earn 1% cashback on all card purchases. So if you spend £25,000, you earn £250 back.

Capital on Tap reviews

Start earning cashback today. Decision in 2 minutes.

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Frequently asked questions

Is cashback taxable for a business?

Talk to your accountant about taxes on rewards. Some cashback and gifts may have tax rules. It's your responsibility to know potential taxes. An accountant can advise you on the regulations. Being informed ensures you use rewards the right way.

What fees come with a cashback business credit card?

Many cashback cards charge annual fees or foreign transaction fees that reduce your rewards. Some also have interest charges, late fees, or costs for employee cards.

The Capital on Tap Business Credit Card has no annual fee unless you upgrade to Pro for £299 per year. The free 1% cashback card has absolutely no annual fee. It also doesn’t charge foreign transaction fees or for employee cards.

Who is eligible for a cashback business credit card?

Most cashback business credit cards will require your business to have been operating for at least 6 months. Your business will usually have to meet specific revenue thresholds set by the card issuer.

You’re eligible for a Capital on Tap card if:

You are an active director of the company or majority shareholder of 25%+ ownership. If neither of these titles matches your role within the company we will unfortunately not be able to accept your application
Your business is registered as a private limited company (Ltd) or limited liability partnership (LLP)
You and your business are based in the UK
Your business has a turnover of at least £24,000 per annum
You have no unsatisfied CCJs against you or your business in the last 12 months

When is my cashback available to redeem?

With the Capital on Tap Business Credit, your 1% cashback is available as points immediately after spending. You can redeem these against your balance, convert to Avios for travel rewards, choose from popular gift cards, or as cash to your business bank account.

Page last reviewed on 26 June 2025

by Arianna Colomb