Can I transfer a balance to Capital On Tap?

No — Capital On Tap does not accept balance transfers from other credit cards. Business balance transfers are extremely rare in the UK market.

Does Capital On Tap have a 0% purchase period?

No. There is no introductory 0% interest period. Interest accrues at the standard APR from the statement date if you don't pay in full.

What's the best way to consolidate UK business credit card debt?

A business overdraft or business loan typically offers lower rates than credit card APRs. Speak to your bank or a business finance broker about consolidation options.

Guides

Does Capital On Tap Offer Balance Transfers? (UK 2026 Answer)

By Afshin · 28 July 2026 · 4 min read

Balance transfers — where you move debt from one credit card to a new card at 0% for an introductory period — are common on personal credit cards but almost nonexistent in the UK business credit card market. Capital On Tap does not offer a balance transfer facility. This guide explains why, and what alternatives exist for businesses carrying card balances.

Why Capital On Tap Doesn't Offer Balance Transfers

Most UK business credit cards don't offer balance transfers — this is a feature almost exclusive to the personal credit card market. Business lending is governed by different rules; lenders aren't required to offer introductory 0% periods and typically don't.

Capital On Tap's model is built around revolving spend credit, not debt consolidation. Its revenue comes from interchange fees on new spend and interest on rolled balances — not from attracting transferred debt at 0%.

Alternatives if You're Carrying Business Card Debt

If you have existing business credit card debt and are paying high interest, the most practical options are: (1) A business overdraft — many UK banks offer arranged overdrafts at lower rates than credit card APRs. (2) A business loan — for larger balances, a fixed-term business loan at 6–12% APR can be significantly cheaper than 35%+ credit card interest. (3) A revolving credit facility — some fintechs and challenger banks offer revolving credit at lower rates than card APRs for businesses with good credit.

Before using Capital On Tap to consolidate existing card debt, compare your current borrowing cost with the APR in your personalised offer. The issuer advertises rates as low as 13.86% variable APR, not a representative or guaranteed rate.

What Capital On Tap Is Best For

Capital On Tap works best for businesses that pay their statement in full each month and earn 1% cashback on all new spend. At that usage pattern, the APR is irrelevant — the card is essentially free money-back on your business costs.

A referral reward may be available with code 2REFY893A52, subject to current offer terms. The issuer advertises no FX fees on its standard card; if you carry a balance, compare your personalised APR and agreement before deciding.

Frequently asked questions

Can I transfer a balance to Capital On Tap?: No — Capital On Tap does not accept balance transfers from other credit cards. Business balance transfers are extremely rare in the UK market.
Does Capital On Tap have a 0% purchase period?: No. There is no introductory 0% interest period. Interest accrues at the standard APR from the statement date if you don't pay in full.
What's the best way to consolidate UK business credit card debt?: A business overdraft or business loan typically offers lower rates than credit card APRs. Speak to your bank or a business finance broker about consolidation options.

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