Referral Codes

Capital On Tap £75 Reward: Is It Worth It in 2026?

By Afshin · 15 October 2026 · 6 min read

The Capital On Tap referral page currently advertises 7,500 points with code 2REFY893A52. The points are worth £75 when redeemed as cashback under the issuer's published rewards value. That can be useful if the card already suits your business; it is not a reason to take on borrowing or pay for a plan you do not need.

The short answer

The £75 reward can be worthwhile when you qualify without changing normal business spending, pay the statement in full, and would choose the card on its features and terms anyway. It is not guaranteed: the issuer's eligibility, approval, qualifying-transaction and referral terms apply.

The referral page advertises 7,500 points after the first transaction. The issuer's rewards information values points at 1p each when redeemed as cashback, making 7,500 points worth £75 on that redemption route. Other redemption choices, such as travel points, do not necessarily have the same cash value.

Put £75 in context

The standard card advertises 1% cashback and no annual fee. At that rate, £75 is equal to the cashback generated by £7,500 of eligible spend. This is a simple comparison of the one-off reward with the advertised ongoing rate, not a promise that every transaction qualifies or that the offer will remain unchanged.

For example, if a business already planned £5,000 of eligible card spending and earned 1% on it, the ordinary cashback would be £50. If it also met the referral offer's conditions, the one-off reward could add £75 in points redeemable as cashback. Do not add extra spend just to reach an imagined threshold: the referral terms should be checked for the actual qualifying action.

The Free offer and Pro offer are different

The £75 referral offer is shown on the Capital On Tap referral page. The issuer separately advertises a Pro sign-up offer of 10,000 points, worth £100 towards the balance, after £5,000 of card spend in the first three months. The Pro offer is only for customers who have not previously received a sign-up bonus.

Pro costs £299 per year. Its £100 reward alone is £199 less than the annual fee before valuing lounge access or other benefits, so the headline points do not make the plan cost-free. Pro also advertises 1.25% cashback on preloaded spend, which is not the same rate as the Free card's standard 1% cashback. Value the benefits only if your business will actually use them.

Interest can outweigh the reward

A reward is not a saving if you pay more in interest or charges to earn it. Capital On Tap advertises rates as low as 13.86% variable APR, but that is not a representative or guaranteed rate; the rate in an applicant's offer may be higher. Check the personalised rate, the agreement, payment dates and any transaction-specific charges.

If the business expects to carry a balance, compare the borrowing cost with the reward and consider whether a credit card is appropriate at all. Do not borrow or make purchases the business does not need for a one-off reward.

When the £75 may or may not make sense

It may make sense to consider the offer if the standard card's eligibility, repayment terms and features suit your company, you expect to pay in full, and you would make the first qualifying transaction anyway. Treat the points as a conditional extra, not as guaranteed cash or a reason to apply.

It may not make sense if you would need to carry a balance, the personalised APR or terms do not fit, you are considering Pro only for its sign-up points, or the issuer's eligibility criteria are not met. Check the current referral page and make sure the offer appears in the application before submitting.