Tap on DealsComparisons · Verified July 2026
Capital On Tap vs American Express — which is better?
More detail
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.
Quick reference
- Question
- Capital On Tap vs American Express — which is better?
- At a glance
- Capital On Tap wins on acceptance (Visa, accepted everywhere), no FX fees, 1% unlimited cashback, and no annual fee.
- Topic area
- Comparisons
- Last verified
- July 2026
- Verified by
- Tap on Deals editorial team
Authoritative sources
Verified July 2026. Each fact above is checked against: