Capital on Tap Business card review

9.2 ★★★★★★★★★★ Our rating · how we rate

Last updated 19 June 2026

The bottom line

If you run a limited company and want your spending to earn something back without paying for it, this is the easy answer: no annual fee, no ATM or FX fee, and an uncapped 1% back you can take as cashback or convert to Avios. It's built for limited companies, LLPs and PLCs, so sole traders need to look elsewhere.

Pros

No annual, ATM or FX fees
Uncapped 1% cashback or Avios
Soft search, decision in minutes
Free virtual card straight away

Cons

Limited companies only
High representative APR
Minimum turnover to qualify

Is it right for you?

Best for limited companies that put real spend through a card and clear the balance each month — the rewards are strong and simple, but the APR means it's a poor fit if you need to borrow on it. Every £1 earns a point worth 1p, or 1 Avios, with no cap and no category juggling. A company spending £6,000 a month is looking at roughly £720 back a year before any travel uplift.

Rates & fees

Annual fee£0

Rewards rate1% uncapped

Credit limit up to£250,000

Representative APR35.2% variable

FX feeNone

EligibilityLtd / LLP / PLC

Representative example: 35.2% APR (variable), assumed credit limit £1,200, no annual fee. Subject to status; UK businesses only, minimum turnover applies. Confirm current terms before applying. Terms apply.