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Product basics · Verified May 2026

Is Capital On Tap a credit card or a loan?

More detail

Capital On Tap also offers a separate business loan product (Capital On Tap Business Loans) but the flagship product — the one with referral code 2REFY893A52 and the £75 welcome bonus — is the Visa Business credit card. The card has all standard credit-card features: contactless, Apple Pay/Google Pay, virtual cards, statements, and up to ~50 days interest-free if you pay in full.

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