Comparisons

Capital On Tap vs Revolut Business Credit Card: Which Wins in 2026?

By Afshin · 20 April 2026 · 7 min read

Capital On Tap and Revolut Business Credit are two of the UK's most-marketed business credit cards in 2026. Both target SMEs, both have strong app experiences, but they're built around different value propositions. Here's the head-to-head.

Quick verdict

If rewards matter and you want a meaningful welcome bonus, Capital On Tap wins outright. If you already bank with Revolut Business and want the simplest possible all-in-one experience, Revolut's Credit product is the convenient choice — but expect to pay for that convenience in foregone rewards.

Fees and APR

Capital On Tap's standard Business Credit Card is genuinely free — £0 annual fee, no monthly fee, representative APR 35.4% variable. Revolut Business Credit is also £0 annual fee on the basic tier, but is gated behind a Revolut Business plan (Free, Grow £19/month, Scale £79/month, Enterprise custom). Revolut's APR is competitive at 17.9%–35.4% depending on credit profile.

• Annual card fee — Capital On Tap £0 / Revolut £0 (but Revolut Business plan from £0 to £79+/mo)
• Representative APR — Capital On Tap 35.4% / Revolut 17.9%–35.4%
• FX fees — Capital On Tap 0% on EUR/USD / Revolut 0% on Revolut Business FX rate then 1%+ above plan limit

Rewards and welcome bonus

This is where Capital On Tap pulls clear ahead. Capital On Tap offers 1% unlimited cashback (or Avios transfer 1:1) on every transaction, plus a 7,500-point welcome bonus (£75) with referral code 2REFY893A52 after spending £5,000 in 90 days.

Revolut Business Credit offers 1% cashback on its highest tiers (Scale and Enterprise plans only — i.e. you're paying £79+/month for the privilege), and 0% cashback on the Free and Grow tiers. There is no equivalent welcome bonus.

Credit limits

Capital On Tap: £2,000 to £250,000, with most new approvals between £5,000 and £25,000.

Revolut Business Credit: £500 to £250,000 advertised, but in practice typical approvals for new SMEs sit between £2,000 and £20,000 — broadly comparable to Capital On Tap but typically with more conservative initial limits for new applicants.

Eligibility and approval speed

Capital On Tap accepts UK Limited Companies and LLPs with 3+ months trading. Decisions in under 2 minutes via soft search. Sole traders not accepted.

Revolut Business Credit is only available to existing Revolut Business customers. Decisioning is typically slower (24-48 hours for first review), but for established Revolut customers with healthy account flow the underwriting is well-informed.

Integration

Capital On Tap has native Xero, FreeAgent, Sage, and QuickBooks integrations — works regardless of where you bank.

Revolut Business Credit integrates seamlessly with Revolut Business (one app, one transaction view, one accounting export). It connects to Xero and QuickBooks, but is best when paired with Revolut's native bookkeeping tools.