The Capital On Tap Business Credit Card helps you get the most out of your business spending. Earn 1% cashback that’s tax-free and uncapped, and pay no annual fee. The application is simple and fast, with online processing and a soft credit check. Customers love it, giving high ratings across Trustpilot, Apple, and Google. To qualify, ensure your business is a limited company with a turnover of at least £24,000 per month. Find out more about its flexible rewards and supportive customer service and how to get £75 free when you sign up.

Key Takeaways

• • Get £75 Free cash with Capital on Tap Promo Code: 2REFF362E24

• • Earn 1% cashback on all business spending with no annual fee.

• • Eligibility requires a limited company with a turnover of at least £24,000 per month.

• • High customer ratings: 4.7/5 on Trustpilot, 4.9/5 on Apple App Store, and 4.8/5 on Google Play Store.

• • Online application with a quick, user-friendly form and prompt approval updates.

The Innovative Capital On Tap Credit Card

Capital on Tap offers a unique business credit card that combines the benefits of a traditional credit card with the flexibility of a business loan. This product is designed to meet the diverse needs of SMEs, offering credit limits up to £100,000, competitive interest rates, and no annual fees. The card allows businesses to make purchases, withdraw cash, and transfer funds, all while earning rewards points that can be redeemed for cash back or travel.

One of the standout features of Capital on Tap’s offering is its quick and easy application process. Unlike traditional bank loans that require extensive paperwork and long approval times, Capital on Tap’s application can be completed online in minutes, with approval often granted within 24 hours. This speed and convenience are crucial for businesses that need immediate access to funds to seize opportunities or address urgent cash flow issues.

 

Key Benefits Provided by Capital on Tap

Capital on Tap offers a range of benefits – the main ones are listed below

1. 1. High Credit Limits: Businesses can access credit limits up to £100,000, providing substantial financial flexibility to manage cash flow, invest in growth, and cover operational expenses.

1. 1. Competitive Interest Rates: Capital on Tap offers competitive interest rates, making it an affordable credit option for SMEs compared to traditional bank loans.

1. 1. No Annual Fees:The Capital on Tap business credit card comes with no annual fees, reducing the overall cost of credit for businesse (unless you apply for there reward card where the fees are £99 per year)

1. 1. Quick and Easy Application Process: The online application process is simple and fast, often taking just minutes to complete, with initial approval decisions usually made within minutes and full approval granted within 24 hours.

1. 1. Rewards Program: Businesses earn rewards points on their spending, which can be redeemed for cash back or travel, providing additional value and savings.

1. 1. Flexible Repayment Options: Capital on Tap offers flexible repayment options, allowing businesses to manage their cash flow more effectively and choose repayment terms that suit their financial situation.

1. 1. Seamless Integration with Accounting Software: The credit card integrates seamlessly with various accounting software platforms, simplifying expense tracking and financial management.

1. 1. Online Account Management: Businesses can manage their accounts through an intuitive online portal and mobile app, allowing them to track spending, make payments, and manage rewards points efficiently from anywhere.

1. 1. Support for International Transactions: The Capital on Tap business credit card can be used for international transactions, making it ideal for businesses that operate globally or engage in cross-border trade.

1. 1. Flexible Credit Assessment: Capital on Tap uses advanced data analytics and machine learning for credit assessment, considering a broader range of factors than traditional lenders. This enables them to extend credit to businesses that might be overlooked by conventional banks.

1. 1. Promotional Offers: New customers can take advantage of promotional offers, such as receiving £75 free cash credited to their account by using a promo code during registration and completing a transaction within a specified period.

1. 1. Dedicated Customer Support: Capital on Tap provides dedicated customer support to help businesses with any issues or queries, ensuring a smooth and beneficial experience.

How to Sign Up for Capital on Tap

Applying for the Capital On Tap Business Credit Card is a straightforward process you can complete through the provided link below. First, click on the link to access the application form, which is designed to be both quick and user-friendly. You’ll need to provide some basic information about your business, including its name, address, and financial details. The entire application process typically takes just a few minutes to complete. Remember this part of the sign-up includes the field labelled Capital On Tap Promo code – Make sure to enter the code: 2REFF362E24 in this box to activate the free £75 offer.

Once you’ve filled out the online form, Capital On Tap will evaluate your application. This involves a soft credit check, therefore ensuring that your credit score won’t be affected if you’re not approved. They’ll assess your business’s financial health and creditworthiness to determine your credit limit.

After submitting your application, you’ll receive a prompt update on your approval status. If approved, you’ll quickly receive your Capital On Tap Business Credit Card by mail. Activation is simple; just follow the instructions that come with the card to get it ready for use.

Step By Step Guide:

1. 1. Visit the Website: Go to the Capital on Tap website (www.capitalontap.com).

1. 1. Click on “Apply Now”: This button is typically located on the homepage, making it easy to start your application.

1. 1. Complete the Application Form: Fill in the required information. You will need to provide details about your business, such as:

       

      • • Business name and registration number
      • • Business address
      • • Type of business and industry
      • • Annual turnover
      • • Number of employees

1. 1. Provide Personal Information: You’ll also need to submit personal details of the business owner(s), which may include:

       

      • • Full name
      • • Date of birth
      • • Home address
      • • Contact information

1. 1. Connect Business Account: You might be asked to link your business bank account to verify financial information. This step helps speed up the credit assessment process.

1. 1. Enter Capital on Tap Promo/Access Code: Make sure to enter the promo code: 2REFF362E24 in this box to activate your promotional offer

1. 1. Submit the Application: After filling in all necessary details, submit your application. The initial decision is typically made within minutes, and full approval can often be granted within 24 hours.
      
      

 

Eligibility Criteria for Capital on Tap

To be eligible for a Capital on Tap business credit card, your business must meet certain criteria. Here are the primary requirements:

1. 1. Business Location: Your business must be registered in the UK.

1. 1. Business Shareholding: You are an active director of the company or majority shareholder of 25%+ ownership.

1. 1. Annual Revenue: Typically, your business should have an annual turnover of at least £24,000.

1. 1. Trading History: Your business should have been trading for a minimum period, often at least 6 months.

1. 1. Business Creditworthiness: While Capital on Tap is more flexible than traditional lenders, your business should have a reasonable credit history. They use advanced data analytics to assess credit risk, so a broader range of factors are considered.

1. 1. Business Structure: Your business is active on companies house

Additional Considerations

• • No Industry Exclusions: Capital on Tap does not typically exclude any specific industries, but certain high-risk sectors might face more scrutiny.

• • No Annual Fees: There are no annual fees for the Capital on Tap business credit card, making it a cost-effective option for many businesses (unless you go for the reward card at £99)

• • Rewards Program: Businesses can earn rewards points on their spending, which can be redeemed for cash back or travel.

By meeting these eligibility criteria and following the application process, businesses can access a flexible and convenient credit solution tailored to their needs, supporting their growth and operational needs.

 

Frequently Asked Questions

Is Capital on Tap a Good Business Credit Card?

You’re wondering if it’s a good business credit card. With its rewards program offering 1% cash back and no annual fees, it stands out.

Interest rates are competitive, and credit limits are generous, making it flexible for your spending needs.

Their customer service is top-notch, with 24/7 UK-based support. The application process is straightforward, ensuring you can get started quickly.

Does Capital on Tap Build Business Credit?

Yes, it does. By managing your credit utilisation, maintaining a good payment history, and wisely using your credit limits for business expenses, you can build business credit.

The approval process typically considers your financial behavior, so consistently making timely payments and staying within your credit limits positively impacts your credit profile.

Using this card responsibly helps improve your business’s creditworthiness and opens doors to better financing options.

Does Capital on Tap Pull Personal Credit?

When you apply, there’s a soft credit inquiry on your personal credit report, but it’s not the main factor for funding approval.

A personal guarantee isn’t typically required, and your personal credit score won’t be heavily impacted.

The application process focuses more on your business’s financial health. So, while your personal credit is considered, it’s your business’s creditworthiness that plays a bigger role.

What is the Capital On Tap Promo code and how does it work?

Sign up to Capital on Tap and use the Capital on Tap promo code: 2REFF362E24 and you will receive £75 free cash credited to your account to use as you please once you have completed your first transaction on your card (within 30 days)

Conclusion

With the Capital On Tap Business Credit Card, you’re not just getting a card—you’re investing in your business’s growth and efficiency. Enjoy 1% cash back on all purchases, zero foreign exchange fees, and round-the-clock UK-based support.

Plus, there’s no annual fee and a £75 sign-up bonus waiting for you. It’s the smart, hassle-free way to manage your business finances.

Don’t wait—apply today and start reaping the rewards!