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Comparisons · Verified May 2026

Capital On Tap vs American Express — which is better?

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Choose Capital On Tap if you are a UK Limited Company that spends with smaller suppliers (who often do not accept Amex), wants no annual fee, and values FX-free overseas spending. Choose American Express if you are a sole trader (Capital On Tap will not accept you), spend heavily on large suppliers, and value lounge access / travel insurance. Many UK businesses hold both.

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