How it works

Capital on Tap’s Business Rewards Card gives you 1% cashback on all your purchases with no cap.

You could be instantly approved today with a credit limit of up to £25,000.

Checking your eligiblity will have no effect on your credit score

Why choose us

We’ve funded over £100 million to over 25,000 businesses.
Find out why we’re the number 1 rated non-bank business lender on TrustPilot.

Fast application

Our application process is really simple and 80% of our customers are approved within 2 minutes. Once you’re approved you’ll receive your Capital on Tap card within 3 business days

1% rewards with no cap

We give you 1% cashback on all your purchases with no restrictions or caps. You can add your points to your Capital on Tap account or transfer the cash to your bank account**Administrative fee may apply for cash transfer

Interest flexibility

If you pay off your balance in full each month we won’t charge you any interest. If you choose to make a minimum payment your interest is charged based on your star rating

Rates improve with usage

We improve the limit or interest rate for 84% of our customers within 2 months of using the card to help you continue to grow your business

How do I get a Capital on Tap Rewards Card?

Apply and receive your approval within 2 minutes
Pay your first year introductory annual fee of £59
Complete your online account activation
Receive your card within 3 business days

Will I qualify

We look at each business on a case by case basis, however we do have some basic criteria we like all our customers to meet.

We will consider any business that doesn’t quite meet these criteria, so you should still submit an application. Applying doesn’t hurt your credit rating.

  • Your business should have at least 12 months of trading history
  • Your business should have a turnover of at least £24,000 per annum
  • There should be no unsatisfied CCJs against you or your business in the last 12 months

Rates as low as

8.9% APR

Our rates depend on your business profile. Your rates of interest will improve the more you use our service and grow your business.



Pay your balance in full or just make your minimum repayment. Make your minimum monthly payment to keep your account active. Manage and make additional payments anytime using your online account.