Can I use Capital On Tap before the physical card arrives?

Yes. A virtual card is typically issued as soon as you're approved, so most approved applicants can spend online or via Apple Pay/Google Pay within minutes — the physical card follows in the post a few days later.

Does the virtual card work with Apple Pay and Google Pay?

Yes. You can add the virtual card to Apple Pay or Google Pay and use tap-to-pay in store the same day you're approved.

Does virtual card spending earn cashback?

Yes. The virtual card earns the same 1% unlimited cashback (or Avios on the Rewards card) as your physical card, from the very first transaction.

Will a virtual card purchase trigger my £75 bonus?

Yes. Your first qualifying transaction — including via the virtual card — triggers the 7,500-point (£75) welcome bonus when you apply with code 2REFY893A52.

Is the virtual card secure?

Yes. You can freeze it instantly from the app, issue separate virtual employee cards with their own limits, and every transaction syncs to your accounting software.

Features

Capital On Tap Virtual Card: Spend Instantly After Approval (2026)

By Afshin · 31 May 2026 · 5 min read

When you need to make a purchase now — pay a supplier, top up ad spend, cover an urgent cost — waiting a week for a physical card is frustrating. Capital On Tap issues a virtual card as soon as you're approved, so most approved applicants can spend within minutes via Apple Pay, Google Pay or online checkout. This guide explains how the virtual card works and how to start earning your £75 welcome bonus with code 2REFY893A52 on your very first purchase.

Spend within minutes of approval

Most Capital On Tap applications get an instant decision. Once approved, a virtual card is typically created in your account straight away, so there's usually no waiting for plastic in the post before you can transact.

You can use the virtual card details for online purchases right away, or add the card to your phone's wallet for tap-to-pay in shops.

Apple Pay and Google Pay ready

The virtual card works with Apple Pay and Google Pay, so you can pay contactlessly in person from your phone or smartwatch the same day you're approved.

Adding the card to your wallet takes a couple of taps, and every payment earns the same 1% unlimited cashback as your physical card.

Use online immediately with the virtual card number
Add to Apple Pay or Google Pay for in-store tap-to-pay
Earn 1% cashback from the first transaction
Physical card arrives in the post a few days later

Trigger your £75 bonus on day one

Because the virtual card is live instantly, you don't have to wait to start earning. Your first qualifying transaction triggers the 7,500-point welcome bonus (worth £75) when you've applied with referral code 2REFY893A52.

That means a small purchase on day one — fuel, a subscription, supplies — can kick off the bonus, which typically lands within a few business days.

Security and control

Virtual cards are convenient and secure: you can freeze the card instantly from the app if needed, and issue virtual employee cards with their own limits for staff or specific suppliers.

All transactions sync to your accounting software automatically, so your books stay current from the very first payment.

Frequently asked questions

Can I use Capital On Tap before the physical card arrives?: Yes. A virtual card is typically issued as soon as you're approved, so most approved applicants can spend online or via Apple Pay/Google Pay within minutes — the physical card follows in the post a few days later.
Does the virtual card work with Apple Pay and Google Pay?: Yes. You can add the virtual card to Apple Pay or Google Pay and use tap-to-pay in store the same day you're approved.
Does virtual card spending earn cashback?: Yes. The virtual card earns the same 1% unlimited cashback (or Avios on the Rewards card) as your physical card, from the very first transaction.
Will a virtual card purchase trigger my £75 bonus?: Yes. Your first qualifying transaction — including via the virtual card — triggers the 7,500-point (£75) welcome bonus when you apply with code 2REFY893A52.
Is the virtual card secure?: Yes. You can freeze it instantly from the app, issue separate virtual employee cards with their own limits, and every transaction syncs to your accounting software.

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 →