Credit up to £250,000.
Members can apply for a Capital on Tap business credit card with a limit of up to £250,000, 1% cashback on all card spending and no annual fee. You get a decision in two minutes.
- A decision in 2 minutes
- 1% cashback, no cap
- £75 credit for members
Earn back on every pound.
Over 300,000 UK businesses use Capital on Tap. Its business credit card gives you a limit of up to £250,000 and 1% cashback on all card spending with no cap, on the free plan with no annual fee.
Applying won't affect your credit score. Once you are approved you can use a virtual card straight away, and the physical card arrives in 2 to 5 working days.
Use a virtual card straight away
Every pound you spend earns 1% back.
Put the stock, the fuel and the overseas supplier on the card, and 1% of each payment comes back to you. There is no cap on what you can earn.
Card statement
An example month- Stock from a wholesaler £1,240.00 1% back: +£12.40
- Fuel £186.40 1% back: +£1.86
- Accounting software £42.00 1% back: +£0.42
- Paint and materials at a trade counter £412.75 1% back: +£4.13
- Train tickets £58.90 1% back: +£0.59
- An overseas supplierNo foreign exchange fee £920.00 1% back: +£9.20
A month like this earns £28.60 back, or £343.20 over a year.
Included on the free plan.
There is no annual fee to pay for any of this.
A limit of up to £250,000
Apply online and get a decision in two minutes. The limit you get depends on your business.
1% cashback with no cap
Earn on all card spending, and take it as cash, gift cards, money off your balance or Avios.
Free cards for your team
Give your staff their own cards at no cost, as many as you need.
No foreign exchange or cash machine fees
Pay overseas suppliers or take out cash abroad without the extra charges.
It works with your accounts
The card syncs with Xero, QuickBooks, Sage, FreeAgent and more, so your books keep up with your spending.
UK support, day and night
A UK-based team answers 24 hours a day.
Room to grow when cash is tight.
A credit line lets you buy stock, pay a supplier or get through a quiet month without dipping into savings or waiting for a customer to pay.
Cards are provided by Capital on Tap, the trading name of New Wave Capital Limited. Credit is subject to status and eligibility.
- Limits up to £250,000
- A decision in 2 minutes
- Free cards for employees
- No annual fee on the free plan
More that comes with membership
Every member gets every benefit, for one price. See them all.
Business finance and payments
Card payments at a fixed 0.29% with no terminal fees, a guaranteed credit line and finance from over 100 lenders.
Fuel card
A free Motia fuel card with up to 10p a litre off at bp, Shell, Esso, Texaco and more.
Debt recovery and protection
Free debt recovery on commercial debts up to £3,000, a complimentary will and a legal helpline.
All of this for £129 a year.
One membership covers you and your family. Add staff for £49 a year each. Your membership can take up to 48 hours to process, then your welcome letter and certificate arrive by email.