The credit card built for businesses

Sage has invited you to join Capital on Tap. Get uncapped 1% cashback on all card spending. Redeem for cash, gift cards, or against your balance. Apply and get a decision in 2 minutes.

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Uncapped 1% cashback

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

Rates as low as 13.86% APR (variable)

7,500 referral bonus points

Unlimited free company cards

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

We'll credit your account with 7,500 bonus points after your first transaction.

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

Capital on Tap and Sage have partnered to help UK businesses make running their businesses easier and more rewarding.

Make business spending more rewarding

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

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Trusted by more than 200,000 businesses

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

The Garden Health & Beauty Store

Harry Ganz

“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.”

Travel and gift card rewards

Make being your own boss even more rewarding by earning rewards on every business purchase.


Use your rewards to reduce your balance, convert to cash or Avios, or buy gift cards. Upgrade to our Pro plan for extra travel perks like unlimited lounge access.

1% cashback

Capital on Tap turns your business expenses into benefits with unlimited 1% cashback on all your business purchases.


Earn 1 point for every £1 you spend on your Capital on Tap Business Credit Card.


With Preloading, you can top up your balance to supercharge your rewards. Spend £50,000, and earn £500 in rewards points to redeem however you want.

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24/7 support

If you’re awake, so are we. Contact us any time to talk to a real person who’ll answer in 10 seconds or less.


We're here 24/7 to help you with any questions or concerns you may have.

Open an account online today

  • Apply and get a decision in 2 minutes
  • Make purchases immediately with your virtual cards
  • Your physical card will arrive in just 2 business days
  • Running your business just got easier
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*Earn up to 3.82% AER (variable). New customer Interest rates are tiered, with the top rate for balances between £50,000 and £500,000. Each tiered rate applies to the portion within that range. New Capital on Tap customers get these promotional rates for 60 days after successful opening of account. For more information, go to our Summary Box. Based on today’s Bank of England base rate. Changes to the Bank of England base rate could mean that the rate offered when you apply is different. The Annual Equivalent Rate (AER) demonstrates what you would earn in compounded interest on savings over 12 months, as a percentage.


**Subject to eligibility.

© Copyright 2026. 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 27 Old Gloucester Street, London, England, WC1N 3AX. 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 Limited with the United Kingdom Intellectual Property Office. All rights reserved 2025. New Wave Capital Limited (trading as Capital on Tap) is not a bank. The Capital on Tap Instant Savings Account is powered by ClearBank; customers with an Instant Savings Account are introduced to ClearBank, with their deposits held by them as a ClearBank customer. Capital on Tap does not possess the customer's savings at any time, and customers can only view and manage their savings via Capital on Tap services. ClearBank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 754568).