1% cashback on card spend

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)

Grow your business with a credit limit of up to £250,000.

Credit limits up to £250,000

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

Unlimited free company cards

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.

Capital on Tap and Start Up Donut have partnered to help UK businesses access fast funding, and make running their businesses easier and more rewarding.

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 buy gift cards. Upgrade to our 
Business Rewards programme to redeem for Avios.

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 assist you with any questions or concerns you may have.

Plug into your accounting software

Auto-sync transactions to Sage, Xero, FreeAgent, and more to save time and stay organised with our integrated accounting solutions.

Set it to auto-sync daily for hassle-free 
expense management.

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

© Copyright 2024. 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.

Trusted by over 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.”

The credit card built for small businesses

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Run your business better with 1% cashback on all card spending and credit limits of up to £250,000. No hidden charges or annual fees.

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Business spend just got more rewarding

Come for the reward points, stay for the all-in-one spend solution.