Is 1 Capital On Tap point the same as 1 Avios?

Capital On Tap points transfer to Avios at a 1:1 rate. So 7,500 Capital On Tap points becomes 7,500 Avios in your British Airways Executive Club account.

Do Capital On Tap points expire?

Capital On Tap points themselves don't have a published expiry as long as your account remains active. Avios in your BA Executive Club account expire after 36 months of no qualifying activity.

How-to Guides

Capital On Tap Avios Guide 2026: Maximise Points

By Afshin · 1 April 2026 · 6 min read

Capital On Tap gives cardholders a choice: take rewards as 1% cashback, or as 1 Avios-equivalent point per £1 spent. The right choice depends entirely on how often you fly and which airlines you use. Here's how to decide.

How the Points Work

Each £1 you spend earns 1 point. Points are tracked in your Capital On Tap dashboard and can be redeemed for cashback (10,000 points = £100) or transferred to Avios at a 1:1 rate.

The welcome bonus from referral code 2REFY893A52 is 7,500 points — equivalent to £75 cashback, or 7,500 Avios.

Cashback or Avios — Which is Worth More?

Cashback is easy: 1 point = 1p, guaranteed. Avios value depends on how you redeem. The British Airways 'Reward Flight Saver' on short-haul economy values Avios at roughly 1-1.2p each. Premium cabin redemptions on long-haul (Club World, First) can hit 2-4p per Avios.

Rule of thumb: if you fly BA / Iberia / Aer Lingus / Qatar more than twice a year and book in Premium Economy or above, take Avios. Otherwise, take cashback.

Best Avios Redemptions

Where Avios shine for UK business owners:

Short-haul Reward Flight Saver — London to Europe from 4,000 Avios + £25 fees
Domestic UK flights — London to Edinburgh from 4,500 Avios + £15
Long-haul Club World upgrades — using cash + Avios to upgrade an existing booking
Booking via the Avios eShop for everyday business spend

How to Switch Between Cashback and Points

Inside the Capital On Tap app, go to 'Rewards' and toggle your preference. You can switch at any time — your earning preference applies to future spend, not past spend already credited.

Stacking Avios With Other Cards

If you also hold an Amex Membership Rewards-earning card, you can transfer MR points to Avios at 1:1, which means you can pool reward currency from multiple sources into one BA Executive Club account. Combined with Capital On Tap's points, this is how UK business owners build up Avios balances quickly enough for premium-cabin redemptions.

Frequently asked questions

Is 1 Capital On Tap point the same as 1 Avios?: Capital On Tap points transfer to Avios at a 1:1 rate. So 7,500 Capital On Tap points becomes 7,500 Avios in your British Airways Executive Club account.
Do Capital On Tap points expire?: Capital On Tap points themselves don't have a published expiry as long as your account remains active. Avios in your BA Executive Club account expire after 36 months of no qualifying activity.

Ready to apply?

Get £75 free with code 2REFY893A52

Read the full Capital On Tap promo code guide for eligibility, fees and approval times.

Apply with referral link →