Features

Capital On Tap Employee Cards: Free Staff Cards Explained (2026)

By Afshin · 31 May 2026 · 6 min read

If you have staff who buy fuel, stock, software or travel, handing out company cards usually means extra fees per card. Capital On Tap takes a different approach: unlimited employee cards at no extra cost, each with its own spending limit, and every transaction earns you 1% cashback. This guide explains exactly how employee cards work, how to control them, and how new customers get a £75 welcome bonus with referral code 2REFY893A52.

Are Capital On Tap employee cards really free?

Yes. Capital On Tap does not currently charge per-card fees for employee (additional) cards, and there is no published cap on how many you can issue (subject to your account terms). This is a meaningful difference from many traditional bank business cards, which charge an annual fee for each supplementary cardholder.

Because the standard Capital On Tap card has no annual fee at all, you can equip a whole team without adding to your running costs — while still earning 1% unlimited cashback on every card in the account.

Setting individual spending limits

Each employee card can have its own monthly spending limit, set from the Capital On Tap dashboard or mobile app. This lets you give a delivery driver a small fuel budget while giving an operations manager a larger limit for stock — all drawn from the same overall credit line.

You can adjust limits at any time, and the change takes effect immediately. There is no need to call support or wait for a new card.

• Set a different monthly limit for each cardholder
• Issue physical and virtual employee cards
• Freeze or cancel a card instantly if it's lost or an employee leaves
• See every transaction by cardholder in real time

How employee spend earns you rewards

Every purchase made on an employee card earns the same 1% unlimited cashback (or 1 Avios-equivalent point per £1 on the Business Rewards card) as the main card. The rewards accrue to your business account, not the employee.

For a team spending £20,000 a month across fuel, materials and subscriptions, that's £200 a month — £2,400 a year — flowing back to the business simply for centralising spend onto cards you'd be using anyway.

Keeping control and staying compliant

All employee transactions feed into your Xero, FreeAgent or Sage accounting integration automatically, categorised and ready to reconcile. This removes the receipt-chasing that comes with reimbursing staff expenses.

Because each card is tied to a named cardholder with its own limit, you keep a clean audit trail and reduce the risk of out-of-policy spending.