Uncapped 1% cashback

Earn rewards points on all card spending, and redeem for cash, gift cards and more.

Interest-free period of up to 42 days on card spending, with no annual fee.

Rates as low as 15.5% APR (variable)

We'll credit your account with £75 after your first transaction.

£75 referral bonus

Add cards for your team, and control spending with tailored limits.

Unlimited free company cards

A credit card that’s built for businesses

Manage your business spending with smart controls and real-time visibility – all with no annual fee.

Trusted by more than 200,000 businesses

Over 200,000 small business customers have spent more than £10 billion on their Capital on Tap business credit cards.

“The option to redeem points for air miles is what attracted me. The main thing is I now have one card that services all my needs.”

Track all your spending in one place

Empower your employees to pay for expenses with as many free company cards as you need. Stay in control with real-time visibility and smart spending controls.

Rewards for all

Our free account comes with uncapped 1% cashback on all card spending, with flexible ways to redeem your rewards. Upgrade to Business Rewards to earn bonus points and redeem for Avios.

24/7 support

We know how hard it is to run your business so we're here for you with a 24/7 customer support hotline. Chat, call or email – whatever works for your schedule.

Plug into your accounting software

Connect with Xero, FreeAgent and more to sync all card transactions with your accounting software. Sync daily and save time going over spending at the end of the month.

Call 24/7 customer support
020 8962 7401

Open an account online today

  • Apply in under 2 minutes
  • Get a decision in under 30 seconds
  • Start spending right away with a virtual card
  • Your physical card arrives in 2 days
Apply now


© Copyright 2023. New Wave Capital Limited (trading as Capital on Tap) is a private limited company incorporated in England and Wales under registered number 07959823 which has its registered office at No. 1 London Bridge, London, England, SE1 9BG. Capital on Tap is authorised and regulated by the Financial Conduct Authority (firm reference number 625592 in respect of consumer credit activities) and is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, firm reference 900922, for the issuing of electronic money. Capital On Tap is a registered trade mark of New Wave Capital with the United Kingdom Intellectual Property Office. All rights reserved 2023.



The credit card built for businesses

Someone in your network has invited you to join Capital on Tap qualifying you for a £75 bonus with your referral promo code!  Earn 1% cashback with no hidden charges or annual fee.

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Earn reward points on all spending, and benefit from the all-in-one card solution

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Make business spending more rewarding