Virtual credit cards for business

Name: Virtual Credit Cards for Business
Brand: Capital on Tap
Rating: 4.9 (10941 reviews)

Protect your business with virtual credit cards. Create and terminate cards easily, segment your spending, and protect yourself from fraud.

Set spending limits
Minimise the risk of fraud
Efficiently manage project costs

Apply now

1% cashback on all card spend

No hidden charges or annual fees

Practical credit limits up to £250,000

Rates as low as 14.40% APR (variable)

Why should I get a virtual card?

Virtual cards are versatile tools for businesses, offering tailored solutions:

Safer spending online

Minimise the risk of fraud by creating unique corporate virtual cards for each online transaction.

Stay in budget

Set spending limits and expiration dates on cards for freelancers, contractors, and team travel.

Financial freedom

Get a new virtual card for every work trip. It makes it easy to track spending and see what you paid for.

Protect your subscriptions

Get separate virtual cards for each subscription you have. If one card has issues, your other subscriptions will still work fine and avoid any pauses.

Rated excellent by our customers

4.9/5 Apple App Store

4.8/5 Google Play Store

4.7/5 Trustpilot

Person Using Capital On Tap Virtual Card To Pay For Flowers

Start spending the moment you’re approved

As soon as your Capital on Tap account is approved, you can create virtual cards and start spending. No need to wait for anything in the post — pay urgent invoices and bills immediately.

Apply now

Rebecca Alford Finance Director At Capital On Tap

Virtual credit cards are becoming an essential tool for businesses looking to streamline spending, enhance security, and gain better control over their finances. Instead of using your main credit card everywhere, you can create a unique virtual card number for each website or supplier you buy from. You can also set spending limits and expiration dates on virtual cards to control costs better.

Rebecca Alford
Chief Financial Officer at Capital on Tap

Capital On Tap Virtual Credit Card Details (1)

How to set up a virtual card

It’s quick and free to create a virtual card using your app or online portal:

Log in and go to the "Cards" page
Click "Add a new card"
Select or add the employee who will use the card
Choose "Virtual card" and continue
Review card details and set an optional spending limit

Click confirm and you're all ready to start spending with the virtual card!

Apply now

Use your card online or in-person

Virtual cards enable secure payments for online and in-store purchases. Add your virtual card to Google Pay or Apple Wallet for secure contactless payments anywhere you see the contactless logo.

Stay safe from fraud

Create a unique virtual card for each online payment. If anything looks off, just cancel that card and create a new one in seconds. This keeps your main account safe and gives you more control over where your money goes.

Name Your Capital On Tap Business Credit Card

Track spending by vendor

Create a virtual card for each supplier and subscription. It makes it easy to track where your money’s going, keep things organised, and stop costs from creeping up on you. You can also quickly cancel cards to stop unwanted renewals and avoid surprise charges.

Apply now

Capital On Tap Business Credit Card Spend Controls

Set spend limits for specific uses

Give each virtual card its own spending limit. Use it for things like travel, supplies, or team expenses. This helps you stick to your budget and avoid surprise costs.

Replace your physical card immediately

Lost or had your card stolen? No problem.
Create a virtual card straight away and carry on with business while you wait for a new one to arrive

Florist On The Phone With Capital On Tap Business Credit Card

Manage recurring payments and subscriptions

Virtual cards help identify and cancel unwanted renewals. This lets you streamline financial management and avoid subscription creep.

Apply now

Capital on Tap reviews

Get started with no annual fee. Decision in 2 minutes.

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Frequently asked questions

What is a business virtual credit card?

A virtual card is a digital version of a credit card. It has its own unique card number, expiration date, and security code, and you can use it to pay online or through a mobile wallet like Apple Pay or Google Pay.

It’s safer than using your main card, and you can cancel it anytime if you don’t need it anymore.

What are the benefits of virtual credit cards?

Virtual cards help keep your business safer. You can:

Track spending easily
Get real-time alerts
Create cards straight away to pay urgent bills
Keep tighter control over staff or project costs

Can I use a virtual credit card in-store?

Yes, you can add virtual cards to your phone’s virtual wallet (Google or Apple Pay) and tap to pay as usual, without needing your physical wallet.

Can I use a virtual credit card at an ATM?

No. Since virtual cards are for online or mobile wallet payments only, you cannot use them at an ATM to withdraw cash or check information.

Are virtual credit cards safe?

Yes, virtual cards are very secure. Each virtual card has unique details that you can create and delete anytime. If you notice suspicious activity, instantly delete that card and generate a new number without losing access to your funds.

Is there a limit to the number of virtual cards I can create?

Different credit card providers will have different virtual card limits. Each person on your Capital on Tap account can have up to 5 active virtual cards at a time — and they’re completely free. This means five virtual cards for you, and five virtual cards for each of your employees. There is no limit on how many you can create, just a cap of 5 cards in use per person at once.

Page last reviewed on 24 June 2025

by Arianna Colomb