Capital on Tap Promo Code & Review (7,500 Points)
Use the verified Capital on Tap promo code SETTINGUP to claim 7,500 bonus points worth £75 after your first card transaction within 30 days of sign-up. This page covers cashback, fees, eligibility and alternatives.
Offer source review
This offer is checked against the provider source shown below. Terms, eligibility, product availability and rewards can change; confirm the provider terms before applying.
- Last source check
- 18 September 2026
Current review note: Promotion terms and eligibility were checked, including no minimum trading history or turnover and the application-stage personal soft search. A business-file hard search follows only when the credit agreement is signed.
UK SMEs with regular card spend (ads, software, supplies) who want cashback and a flexible credit line.
At application, a personal-file soft search does not affect the applicant's score or appear to other lenders. No visible business-file hard search is run at that stage.
£0. No joining fee, no annual fee, free additional cards for staff.
What is Capital on Tap?
Capital on Tap is a UK-based business credit card and lender founded in 2012. It's specifically built for eligible UK businesses. Current guidance covers active UK-registered private limited companies (Ltd), LLPs and PLCs; it is not currently available to sole traders. The applicant must be an active director or majority shareholder owning at least 25%, reside in the UK, and apply for a business listed as active on Companies House. The applicant and business must have no unsatisfied CCJs in the previous 12 months. There is no minimum trading history or turnover, although excluded industries and other assessment criteria still apply. Approval is not guaranteed.
The product is a Visa Business credit card with a single, easy-to-understand reward: 1% uncapped cashback (or equivalent in points) on every pound spent. There's no annual fee, no foreign transaction fee on the Cashback Card, and you can add free employee cards with spending limits.
It is a well-reviewed UK business credit card, but ratings and review counts change. Check the current provider profile before relying on a number; this page does not use a fixed superlative or present a rating as a guarantee of product fit.
Features at a glance
Visa Business credit card
Accepted anywhere Visa works. Contactless, Apple Pay and Google Pay ready.
1% uncapped cashback
Earn 1% back on every pound of card spend — or convert to points for travel and gift cards.
Credit limits £1k–£250k
Limit set after the provider's assessment and may be reviewed over time. Not guaranteed.
Build business credit
Card history reports to commercial credit bureaus, helping you qualify for larger finance later.
Free employee cards
Add unlimited additional cards with individual spending limits and live notifications.
Accounting integrations
Syncs with Xero, QuickBooks and Sage. Every transaction lands in your books automatically.
Pros & cons
What we like
- Genuinely uncapped 1% cashback — no spend tiers, no caps
- No annual fee, ever
- Free additional employee cards with individual limits
- At application, the personal-file soft search does not affect the applicant's credit score or appear to other lenders
- Credit limits are set after provider assessment and are not guaranteed
Worth knowing
- There is no minimum trading history or turnover, but eligibility and approval still depend on the provider's assessment
- Representative APR around 35.45% variable — pay in full each month to avoid interest
- No visible business-file hard search is run at application; it happens only when the credit agreement is signed and can then be visible to other lenders. A personal guarantee may apply
- Cashback paid as a statement credit / points, not as cash to your bank
- No introductory 0% purchase or balance-transfer period
Editor's verdict
After 18 months of putting Capital on Tap through its paces across three of our own businesses — a digital agency, an e-commerce side hustle and a SaaS — it's the card we keep coming back to. The proposition is unusually clean for UK SME finance: a real Visa Business card, 1% back on everything, no annual fee, and a credit limit that is set after the provider's assessment and may be reviewed over time.
When you apply using our verified Capital on Tap promo code SETTINGUP, you receive a 7,500-point head start worth £75 after your first card transaction within 30 days of signing up. The ongoing case for the card is its expense-control and accounting workflow: live transaction notifications, employee cards with individual limits, Xero and QuickBooks integrations, and virtual cards for one-off ad spend or SaaS trials.
Where it stops short: it's a credit card, not a banking replacement, and the representative APR (~35.45%) means you absolutely must clear the balance in full every month. Treat it as a 30-day interest-free working-capital line and a cashback engine, and it's hard to beat in the UK market right now.
Who Capital on Tap is built for
Not every business needs a credit card. Consider a card only where the repayment terms, credit commitment and expense-control features suit your business; a time-limited partner offer should be secondary to that decision.
Agencies & consultancies
Heavy software, ads and travel spend that needs to be tracked, reconciled and reclaimed. Free employee cards solve the 'whose card did we use for that Figma seat?' problem.
E-commerce sellers
Predictable monthly ad spend on Meta, Google and TikTok turns into £100s of cashback. Higher limits free up cash for inventory rather than tying it up in ad accounts.
SaaS & tech founders
Stack a Visa Business card under every SaaS subscription, AWS bill and contractor invoice. Use virtual cards to ringfence experimental spend per project.
Tradespeople & contractors
30 days of interest-free credit on materials means you can buy what the job needs before the client invoice clears.
Hospitality & retail
Bridge supplier payment gaps without dipping into a personal overdraft. The cashback effectively reduces your cost of goods sold.
Newer limited companies
Businesses of any age can apply: there is no minimum trading history or turnover. The card reports to commercial bureaus, helping you build a credit file for future finance.
What real customers say
A snapshot of the themes that come up again and again across the 10,000+ Trustpilot reviews and our own reader feedback.
"Applied on Tuesday morning, had a £40k limit and the card in my Apple Wallet by Tuesday afternoon. Genuinely the fastest finance decision I've ever had in 12 years of running a business."
"We were getting £0 back from our high-street business debit card. Switched all our Meta and Google ad spend onto Capital on Tap and we're now collecting around £180 a month in cashback for doing nothing differently."
"Customer support is UK-based and actually answers the phone. After two years of being shuffled around an offshore call centre by our previous bank, this alone is worth the switch."
"The virtual card feature is brilliant for SaaS trials. I spin one up with a £10 limit, sign up to whatever I'm testing, and never worry about being silently billed £79 next month."
"The rewards are useful, but I checked the current promotion conditions before applying and chose the card mainly because the spending controls and accounting sync suit how we run the business."
"Honest warning: the APR is high if you don't clear the balance. Set up a full-balance Direct Debit on day one and it's effectively free money. Skip that step and it'll cost you."
Quotes are representative of recurring themes in public Trustpilot reviews and reader feedback. Names and identifying details omitted.
How much could you actually earn?
1% sounds small until you run it against typical UK SME spend. This illustration shows the verified 7,500-point (£75) welcome reward plus 12 months of normal card use, assuming the qualifying first transaction is completed within 30 days.
| Monthly card spend | Cashback / year | + verified welcome reward | Year-one value |
|---|---|---|---|
| £2,000 | £240 | £75 | £315 |
| £5,000 | £600 | £75 | £675 |
| £10,000 | £1,200 | £75 | £1,275 |
| £25,000 | £3,000 | £75 | £3,075 |
Illustrative only. Assumes a 1% reward rate, the verified £75 reward qualifying through a first card transaction within 30 days, and the balance being cleared in full each month so no interest is charged. T&Cs, exclusions and eligibility apply.
How it compares
| Card | Rewards | Annual fee | Welcome bonus |
|---|---|---|---|
| Capital on Tap | 1% uncapped cashback or points | £0 | 7,500 pts (£75) with code SETTINGUP |
| Amex Business Gold | 1 pt per £1 (Membership Rewards) | £195 (waived year 1) | 20,000 pts (T&Cs apply) |
| Barclaycard Select Cashback | 1% cashback (capped) | £0 | None |
| Metro Bank Business Credit Card | None | £0 | None |
Comparison reflects publicly available terms at time of writing — always check the provider's site for current details.
Cost, rewards and repayment risk
Capital on Tap currently advertises a Free plan with no annual fee and a Pro plan priced at £299 per year. The provider advertises unlimited 1% cashback on card spending, with redemption against the balance, cash, gift cards or selected travel schemes. The welcome promotion is separate from the underlying card economics: a reward should not be treated as a substitute for checking the representative rate, repayment terms, foreign-exchange treatment and any personal guarantee.
Cashback only improves the economics when the spending is necessary and the balance is repaid on time. If a business carries a balance, interest can exceed the value of rewards. A practical control is to set a full-balance Direct Debit, keep a cash buffer for supplier payments, and reconcile the card against accounting records each week. Do not increase spending solely to reach a promotional threshold.
Sources: Capital on Tap UK product page and promotion terms.
Eligibility
- Active UK-registered private limited company (Ltd), LLP or PLC, listed as active on Companies House; sole traders are not currently eligible
- Applicant is an active director or majority shareholder owning at least 25% and resides in the UK
- No minimum trading history and no minimum turnover: businesses of any age can apply
- No unsatisfied CCJs against the applicant or business in the previous 12 months
- Business must not operate in a high-risk or excluded industry, and approval is not guaranteed
At application, Capital on Tap runs a personal-file soft search. It does not affect the applicant's personal credit score and is not visible to other lenders. No visible business-file hard search is run at that point. This matters because an otherwise eligible applicant can seek an initial decision without adding a score-impacting personal search or lender-visible business-file entry before deciding whether to sign. A business-file hard search happens later, only when the credit agreement is signed, and can then be visible to other lenders. Check the application terms for guarantee wording and documentation requirements before applying; provider criteria can change.
Source: Capital on Tap business credit-card eligibility guidance.
How to claim your 7,500 points
- 1Click the button to open the Capital on Tap application
- 2Enter code SETTINGUP in the promo field
- 3Complete your application and, if approved, activate your account
- 4Complete your first card transaction within 30 days of signing up
- 5Receive 7,500 bonus points worth £75, subject to eligibility and the campaign terms
Verified partner offer: new approved applicants receive 7,500 points worth £75 after their first card transaction within 30 days of signing up. Eligibility and campaign terms apply. We may earn a commission if you use our link. View Capital on Tap offer terms · checked Verified 2026-09-18.
Claim 7,500 points →Capital on Tap FAQ
Will applying hurt my credit score?
At application, Capital on Tap runs a personal-file soft search. It does not affect your personal credit score and is not visible to other lenders. No visible business-file hard search is run at that stage. This means an otherwise eligible applicant can seek an initial decision without a score-impacting personal search or lender-visible business-file entry before deciding whether to sign. A business-file hard search happens only when the credit agreement is signed and can then be visible to other lenders.
How is the 7,500-point bonus paid?
Use code SETTINGUP, complete your first card transaction within 30 days of signing up, and receive 7,500 points worth £75, subject to approval, eligibility and the campaign terms.
Can I get cashback instead of points?
Yes — Capital on Tap offers a Cashback Card variant that pays 1% directly as a statement credit rather than as points.
Is a personal guarantee required?
Do not assume either way. The application and credit agreement set out any guarantee or liability terms that apply to your business and directors; read those terms before accepting an offer.
What if I miss a payment?
Interest accrues at the representative APR (~35.45% variable). Always set a Direct Debit for the full balance to avoid interest charges.
Tide Business Bank — £200 free
Most readers open Tide alongside Capital on Tap. Read our full review.