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 in cashbackafter a qualifying transaction within three months of the card offer. This page covers cashback, fees, eligibility and alternatives.
Offer source review
Offer details below were checked against the linked provider sources. Terms, eligibility, product availability and rewards can change; confirm the current provider terms before applying.
- Last source check
- 4 October 2026
Current review note: Confirmed that SETTINGUP is a participating partner, the promotion runs for three months after the card offer, qualifying points are credited within 60 days after the period, and 7,500 points redeem for £75 cashback. The live application link resolves.
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.
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
Capital on Tap is a business credit card with rewards on eligible card spend, employee cards and accounting integrations. Applications are subject to the provider's assessment, and the available credit limit depends on that assessment.
The partner link uses code SETTINGUP. Approved new applicants may receive 7,500 bonus points after a qualifying transaction during the three-month promotion period; the provider says the points are credited within 60 days after that period ends. Points are worth £75 when redeemed for cashback. The card also offers employee cards, expense controls and accounting integrations.
This is a credit product, not a banking replacement. Interest and repayment terms depend on the offer and credit agreement; check the representative APR and make sure the business can repay on time before applying.
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
The provider advertises up to 42 days interest-free on card purchases when the balance is paid in full and on time; check your agreement for the terms that apply.
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.
How much could you actually earn?
1% sounds small until you run it against typical UK SME spend. This illustration shows the 7,500-point (£75 cashback) partner reward plus 12 months of normal card use, assuming a qualifying transaction is made during the three-month promotion period.
| 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 £75 reward qualifying after a transaction during the three-month promotion period, 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
- 1Open the Capital on Tap application from the SETTINGUP partner link
- 2Complete the application and, if approved, accept the card offer
- 3Make a qualifying transaction during the three-month promotion period
- 4The provider states that qualifying bonus points are credited within 60 days after that period ends; eligibility and account-status conditions apply
The Capital on Tap partner promotion offers 7,500 bonus points after a qualifying transaction during the three-month promotion period. The provider states that points are credited within 60 days after the period ends. Points are worth £75 when redeemed for cashback. Eligibility, exclusions, account-status requirements and campaign terms apply. We may earn a commission if you use our link. View Capital on Tap offer terms · checked Verified 4 October 2026.
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, receive an approved card offer, and make a qualifying transaction during the three-month promotion period. The provider says the 7,500 points are credited within 60 days after that period ends. Eligibility and exclusions apply.
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.