Annual fee
The issuer advertises no annual fee; check current terms for other charges.
Capital On Tap promo code
Get 7,500 points worth £75 with Capital On Tap
Apply with promo code 2REFY893A52. Eligible new customers may receive 7,500 points worth £75 in cashback after qualifying activity. Approval and reward terms apply.
2REFY893A52
Claim your £75 — apply now →
£75Potential cashback value
7,500Potential offer points
1%Advertised cashback
£0Advertised annual fee
Referral rewards depend on approval, qualifying activity and the current offer terms; they are not guaranteed.
This independent guide reviews Capital On Tap's business-card features, advertised fees, eligibility, rewards and alternatives. The referral link carries code 2REFY893A52; any reward depends on approval, qualifying activity and current offer terms.
Capital On Tap lists UK Ltd, LLP and PLC businesses as eligible structures; sole traders are not listed. Check current criteria with the issuer, and do not change your business structure solely to seek a card or reward.
3 THINGS TO CHECK
How to check the referral offer
Review the issuer's current application criteria and offer terms. Approval, qualifying activity and any reward are not guaranteed.
Review eligibility
Check Capital On Tap's current business and applicant criteria before applying. Approval is not guaranteed.
Open the referral link
Use the Capital On Tap referral application. Check that code 2REFY893A52 appears before submitting.
Check reward conditions
Any reward depends on eligibility, qualifying activity and current referral terms, including the timing shown by the issuer.
FOUNDER'S NOTE
Why I built this page
"I've used Capital On Tap as my business card for over three years. The advertised cashback on eligible spend and the Xero feed are features I value. Check current terms and compare the options to decide if it fits your business."
Afshin — Founder, Tap on Deals
CARD FEATURES
Review the card's features and terms
Beyond the referral offer, review the card's features, fees and rewards before deciding whether it suits your business.
Cashback
1% cashback is advertised on eligible spend; qualifying transactions and redemption depend on current terms.
Accounting integrations
Check the issuer's current integration list and which data syncs.
Credit limit
Limits up to £250,000 are advertised; your offered limit depends on assessment.
Virtual card
Availability and issue timing depend on approval and current account terms.
Additional cards
Check current availability, fees and controls for employee cards.
Regulatory status
The issuer states it is FCA-authorised; verify the relevant entity in the FCA Register.
Visa acceptance
Acceptance depends on the merchant; check foreign-spending fees and terms.
COMPARISON
How Capital On Tap compares
Compare current terms with alternatives that fit your business and applicant profile.
| Feature | Capital On Tap | What to compare with alternatives |
|---|---|---|
| Eligibility | Issuer lists UK Ltd, LLP and PLC; check current applicant criteria. | Which structures and applicants qualify? |
| Fees | No annual fee advertised; check current card and account terms. | Annual, account, transaction and supplementary-card charges. |
| Rewards | 1% cashback advertised on eligible spend; terms apply. | Rates, caps, qualifying transactions, exclusions and redemption. |
| Credit limit | Up to £250,000 advertised; actual limit depends on assessment. | Personalised limit, repayment terms and any personal guarantee. |
| Credit checks | Issuer says initial personal soft search and business hard search after agreement signing; confirm current policy. | Searches, reporting and personal-liability terms. |
| Cards and integrations | Check current availability, fees, controls and supported tools. | Issue timing, extra-card costs and what data syncs. |
| Referral offer | Code 2REFY893A52 may include 7,500 points worth £75 under current terms. | Reward value, eligibility, qualifying activity and timing. |
DEEP DIVE
What to confirm before applying
Eligibility for UK businesses
Capital On Tap lists active UK Ltd, LLP and PLC businesses as eligible structures. Sole traders are not listed. Check current business and applicant criteria with the issuer; meeting a published criterion does not guarantee approval.
Compare ongoing card rewards
Review the current rewards schedule, fees and redemption choices in your personalised offer. The referral reward, if available, is separate and subject to the issuer's current eligibility and programme terms.
Credit checks and reporting
Check the issuer's current explanation of searches, reporting and any personal-liability terms. A card does not guarantee a particular credit-score change or future borrowing decision.
Credit limit and repayment terms
The issuer advertises limits up to £250,000; your offered limit and APR depend on assessment. Review the agreement and repayment terms before borrowing.
Accounting integrations
Check the issuer's current integration list, availability and sync functions before relying on them.
Regulatory information and reviews
Verify the issuer's regulatory status in the FCA Register and check current independent customer reviews.
FAQ
Frequently asked questions
- Which businesses may be eligible for Capital On Tap?
- Capital On Tap lists UK Ltd, LLP and PLC businesses as eligible structures. Check current business and applicant criteria with the issuer; meeting a published criterion does not guarantee approval.
- What should I compare before choosing a business credit card?
- Compare eligibility, fees, APR, repayment terms, rewards and redemption options. Review the credit agreement and current offer terms before applying.
- Who is eligible for Capital On Tap?
- Capital On Tap lists UK Ltd, LLP and PLC businesses as eligible structures. Check its current applicant and business criteria directly; meeting a published criterion does not guarantee approval. Sole traders are not listed as eligible.
- Does applying affect my credit score?
- Capital On Tap says it makes an initial soft search on the applicant's personal credit file and a hard search on the business file once the credit agreement is signed. Check the issuer's current application information.
- When may referral rewards be credited?
- Any qualifying activity and reward timing depend on Capital On Tap's current referral terms. Check the offer shown during the application before submitting.
- Can self-employed drivers apply?
- Acceptance depends on business structure and Capital On Tap's current terms. This referral offer is for eligible UK Limited Companies, LLPs and PLCs. Check the lender's current eligibility criteria before applying.
- What can I do with the 7,500 points?
- If awarded, 7,500 points may be worth £75 when redeemed as cashback, subject to current account and referral terms. Confirm the value and available options with the issuer.
- How does Capital On Tap compare to other business credit cards?
- Compare current fees, APR, repayment terms, eligibility, reward conditions, credit checks and integrations. Terms vary by applicant and provider; review each agreement and live offer before choosing.
- Is Capital On Tap regulated and safe?
- Capital On Tap states it is authorised and regulated by the Financial Conduct Authority. Verify the relevant entity in the FCA Register and check current issuer disclosures and independent reviews.
Check the current referral offer
The referral link carries code 2REFY893A52. Eligibility, approval, qualifying activity and any reward depend on the issuer's current terms.
2REFY893A52
Check eligibility with referral link