Home
Business credit cards
Rewards

Earn rewards on every business purchase

Every time you use your Capital on Tap Business Credit Card, you earn points. Spend them on cashback, travel, gift cards, or experiences.

  • 1% cashback on all card spend
  • Redeem for cashback, gift cards, and more
  • Convert points to Avios or Virgin Points
Apply now
Capital on Tap Business Credit Cards on Dark Background with Moneyfacts 5-Star Product Rating
Capital on Tap Business Credit Cards on Dark Background with Moneyfacts 5-Star Product Rating (1)
Trustpilot
Redeem your rewards your way

Redeem your rewards your way

Exclusive offers for your small business

Exclusive offers for your small business

Credit limits up to £250,000

Credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Rates as low as 13.86% APR (variable)

Smiling man leaning on shop door, thumbnail of Capital on Tap product overview video

Capital on Tap rewards explained

See how Capital on Tap rewards work in under 2 minutes.

Apply now
Capital On Tap Business Credit Card On Florist Table

How Capital on Tap rewards work

Every pound you spend earns points. Redeem them however you like, with no cap and no expiry. 

  • Spend: Use your card for any business purchase and earn 1 point per £1 
  • Earn: Points land in your account as soon as each purchase clears 
  • Redeem: Choose cashback, Avios, Virgin Points, gift cards, hotel stays, or experiences
Capital On Tap Business Credit Card Rewards

Earn unlimited 1% cashback

Earn 1% cashback on every purchase, with no limits. Use your rewards to pay off your balance, turn them into cash, redeem for gift cards, or convert to Avios, Virgin Points, or Radisson Rewards.

Apply now

Earn more from your card spend

See how your business credit card cashback adds up—turn everyday business spending into real rewards.

Monthly spend

£1,000 £250,000

Estimated yearly earnings:

Calculated based on

Apply now

The estimated yearly cashback is illustrative only and assumes the same monthly spend is maintained consistently over 12 months. Actual cashback may vary depending on your spending patterns and other factors.

Woman Holding Capital On Tap Business Credit Card

Get more rewards with Preloading

Preloading lets you top up your Capital on Tap card with your own money to spend more. Your preloaded funds are always used first, and you earn rewards on every purchase, just like with your credit limit. Pro customers earn 1.25% cashback on all preloaded spending. That's 0.25% more than the standard 1% on regular credit spend.

Apply now

Rated excellent by our customers

4.9/5 An icon showing the Apple logo Apple App Store

4.9/5 An icon showing the Google Play Store logo Google Play Store

4.6/5 An icon showing the Trustpilot logo Trustpilot

Metal Capital On Tap Business Credit Card With A Plane Flying Over It

Take flight with Avios

Turn everyday business expenses into your next trip. Convert your reward points to Avios at no extra cost and book flights, upgrades, and more through The British Airways Club or Qatar Airways Privilege Club.

A Phone Showing The Capital On Tap App Rewards Page Radisson Redward Points Conversion

Redeem to Radisson

Convert your Capital on Tap points to Radisson Rewards points and use them for your next stay at Radisson Hotels around the world.

Virgin Atlantic

Fly with Virgin Points

Convert your Capital on Tap points to Virgin Points and access flights, experiences, and more through Virgin Red and Virgin Atlantic Flying Club. Book flights with Virgin Atlantic and SkyTeam partners, or use your points for Virgin Hotels, Virgin Voyages, and Virgin Experience Days. 

Convert Your Points To Go Privilege

Convert your points to Go Coins

Your Capital on Tap points now open the door to extraordinary experiences through our partnership with Go Privilege. Convert your points to Go Coins and use them to access sought-after tickets to sold-out events, exclusive hospitality, and a premium concierge service.

Explore Go Privilege
Capital On Tap Business Credit Card And Rewards Gift Cards

Shop smart with gift cards

Treat yourself to gift cards from top retailers.

Use your points to enjoy gift cards from top retailers such as Amazon, John Lewis, Tesco, and Airbnb.

Hugh Acland Commercial Director At Capital On Tap Square

Business credit card rewards are a vital asset for SMEs. Whether it's cashback, travel points, or exclusive offers, these perks effectively lower operational costs and fuel growth. Our rewards programme is designed to give small businesses more value from their everyday spending.

Access exclusive offers with our business credit card

Show all
Capital On Tap Business Credit Card Rewards

How do I redeem my credit card rewards?

Go to the 'Rewards' tab in your account or app. Choose how you want to redeem and follow the steps. Points are available to redeem as soon as a purchase clears.

Rewards Points History

Keep track of your rewards points

Quickly view your full rewards points history anytime in the Rewards section of your online portal or app. See daily earnings, bonuses, redemptions, and adjustments all in one place. Stay in control and get clear insight into how your points add up.

Capital on Tap reviews

Trustpilot

Start earning rewards today. Decision in 2 minutes.

Apply now

Frequently asked questions

Every time you spend with your Capital on Tap Business Credit Card, you earn 1 point per £1 spent. Points accumulate automatically and can be redeemed in the Rewards tab of your app or portal.

You choose how to use them: cashback, gift cards, Avios, Virgin Points, Radisson Rewards points, or Go Coins. There is no cap on how many points you can earn.

Yes. Every £1 you spend earns 1 point, and you can convert those points to Avios or Virgin Points:

  • On the free card, you get 0.8 Avios or Virgin Points per 1 point.
  • On the Pro plan, it's a full 1:1 conversion.

Go to the 'Rewards' tab in your app to convert. For Avios, use your British Airways Club or Qatar Airways Privilege Club account. For Virgin Points, use your Virgin Red or Flying Club account.

A business rewards card is right for you only if you can manage the account responsibly by paying the balance in full every month.

The card offers key value by separating business and personal expenses, helping your cash flow, and building a strong business credit score while you earn rewards.

However, if you plan to carry a large balance, the interest charged could wipe out the value of your rewards. Also, be aware that most cards require a personal guarantee, meaning you are personally responsible for the debt if the business defaults. If you need long-term financing, consider a business loan instead.

It depends on how your business is structured. HMRC guidance on credit card rewards is not straightforward, and the tax treatment varies by business type. We recommend speaking to your accountant to understand your specific situation before redeeming rewards as cash or using them to offset business costs. Read our guide on whether business credit card rewards are taxable.

Page last reviewed on 27 July 2026

by Arianna Colomb