Does Capital On Tap charge a fee on USD or EUR online purchases?

The issuer currently advertises no foreign-exchange fees on its standard business card. Check the current agreement for currency-conversion details and any terms that apply to your account.

Is there a Capital On Tap FX fee waiver for the Rewards card?

The issuer advertises no FX fees on its standard business card. Check the current product information and agreement for the terms applying to any other card or account option.

Can I avoid the Capital On Tap FX fee using DCC?

The issuer advertises no FX fees on its standard business card, but a merchant's own currency conversion may use a different rate. Check the amount and rate offered at checkout against the terms that apply to your card.

Fees

Capital On Tap FX Fees: Foreign Spending Terms

By Afshin · 11 May 2026 · 6 min read · Updated 2026-07-28

Capital On Tap currently advertises no foreign-exchange fees on its standard business card. This does not set the exchange-rate method or every transaction term: check your current offer and card agreement before spending in a foreign currency.

What Capital On Tap advertises on FX fees

The issuer currently advertises no foreign-exchange fees on its standard business card. This replaces older third-party summaries that quoted a percentage charge; confirm the current terms in the official product information and your card agreement.

A no-FX-fee claim does not specify the exchange-rate method or guarantee that every transaction is treated identically. Check your agreement and account-specific terms for how foreign-currency purchases are converted.

Check how a foreign-currency purchase is converted

The issuer's current fee claim does not, by itself, establish which exchange rate applies or when a transaction is converted. Review the card agreement and statement for the conversion method and the sterling amount charged.

Before paying abroad or in another currency

If a merchant offers to convert a purchase into sterling, check the conversion rate and compare it with the terms that apply to your card. Merchant conversion is separate from any fee charged by the issuer.

Compare current card terms

Capital On Tap advertises no foreign-exchange fees on its standard business card. Compare that claim with each alternative's current product information and agreement, including any account-plan limits and the exchange-rate method.

Capital On Tap standard business card: no FX fee advertised; confirm the current agreement and conversion method
American Express Business Gold: 2.99% FX fee, Amex rate (slightly worse than Visa)
Barclaycard Business Premium Plus: 2.99% FX fee, Mastercard rate
Wise Business Card: 0% FX fee on held-currency balances; ~0.43% conversion fee otherwise
Revolut Business Card: 0% FX (free plan, weekdays, under monthly cap)

Should you keep using Capital On Tap abroad?

Whether the card suits your business depends on its current agreement, personalised offer, rewards terms and how you use it. Compare those details with any alternatives before deciding.

The referral reward is separate from foreign-exchange terms. Any 7,500-point bonus (worth £75 when redeemed as cashback) is subject to eligibility, approval and the current offer terms.

Frequently asked questions

Does Capital On Tap charge a fee on USD or EUR online purchases?: The issuer currently advertises no foreign-exchange fees on its standard business card. Check the current agreement for currency-conversion details and any terms that apply to your account.
Is there a Capital On Tap FX fee waiver for the Rewards card?: The issuer advertises no FX fees on its standard business card. Check the current product information and agreement for the terms applying to any other card or account option.
Can I avoid the Capital On Tap FX fee using DCC?: The issuer advertises no FX fees on its standard business card, but a merchant's own currency conversion may use a different rate. Check the amount and rate offered at checkout against the terms that apply to your card.

Ready to apply?

Potential reward: 7,500 points worth £75 with code 2REFY893A52

Use the referral link; it carries the code. Check that the code appears in the application and enter it manually only if it is missing. Any reward is subject to current terms. See the full referral guide.

Apply with referral link →