Business travel credit card

Name: Business Travel Credit Card
Brand: Capital on Tap
Rating: 4.9 (10491 reviews)

Make the most of your business trips with unlimited airport lounge access and Avios conversion.

Convert points into Avios for flights and upgrades
Access 1,600+ airport lounges worldwide
Enjoy Radisson Rewards VIP status

Apply now

Trusted by over 200,000 businesses

1% cashback on all card spend

Practical credit limits up to £250,000

Rates as low as 14.40% APR (variable)

Earn rewards on all business credit card spend

Come for the rewards, stay for the all-in-one spend solution. Change your plan at any time.

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
Convert reward points to Avios (10 points = 8 Avios)
Top up your balance with your own funds with Preloading
Unlimited, free employee cards
No foreign exchange fees
24/7 customer support
3.74% AER* (variable) Instant Savings account**

Pro

£299/year

Billed annually

Apply now

Everything from Free, plus:

10,000 bonus points when you spend £5,000 on your card in your first 3 months
Earn 1.25% on all preloaded card spend
Convert reward points to Avios (1 point = 1 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
6 months free Xero for first-time subscribers

Rated excellent by our customers

4.9/5 Apple App Store

4.8/5 Google Play Store

4.7/5 Trustpilot

Florist On The Phone With Capital On Tap Business Credit Card

Convert points to Avios

With Capital on Tap, every purchase on your business credit card earns valuable rewards points that can be converted into Avios. Spend Avios on flights, hotel stays, upgrades, and more travel experiences.

Apply now

Unlimited access to airport lounges

Waiting for a flight? Escape the crowds and relax in one of 1,600+ airport lounges worldwide with Priority Pass™—included with the Capital on Tap Pro Business Credit Card. Enjoy two free guest passes every year, so colleagues or friends can join you. Additional guests are welcomed for just £20 each.

The Priority Pass™ membership programme is provided by Priority Pass Limited and is subject to the "Priority Pass Conditions of Use," available on their website.

Exclusive Radisson Rewards VIP

Upgrade to Pro for Radisson Rewards VIP status. Enjoy room upgrades, free breakfast, and access to exclusive hotel areas at selected locations.

Holding Capital On Tap Business Credit Card In Front Of Laptop

What is a business travel credit card?

A business travel credit card is a specific type of credit card designed for business owners who travel for work. You can convert points to air miles, avoid foreign transaction fees, and track travel spending more easily.

Benefits often include:

Earning rewards like air miles or travel points on spending
No foreign transaction fees when spending abroad
Integration with expense management tools for easier tracking and reporting of travel costs
Travel discounts and upgrades

Apply now

How to choose the right business credit card for travel?

Here are some tips to choose the right business travel credit card for you:

Review your travel patterns

Consider how much you spend each year on flights, hotels, and international travel. Is your travel mostly in the UK or overseas? Are there airlines or hotel chains you use often?

Assess rewards offerings

Check how many points or air miles you’ll earn for every £1 you spend. This makes it easy to see the potential value you could get back from your annual card spending.

Evaluate the programme overall

Can you easily use your points with your favourite airlines and hotels? Look for any limits or restrictions that might get in the way of how you usually travel.

Mind the fees

Weigh the annual fee against the rewards you expect to earn. Ideally look for a card with no foreign exchange fees, so you can spend abroad without extra costs.

Consider extras

Some cards give extra perks—like free employee cards, tools to track spending, or more ways to use your points. These can make running your business easier.

Don’t forget sign up bonuses

Many cards give a big points boost when you first join and meet a spending target. This can help you earn rewards faster.

Nik Haukohl, Product Director At Capital On Tap

As small business owners navigate the global marketplace, travel business credit cards are essential tools that turn expenses into rewards. With integrated expense management, no foreign exchange fees, and rewards points these cards empower entrepreneurs to make the most of every trip.

Nik Haukohl
Product Director at Capital on Tap