Is Capital On Tap better than Revolut Business Credit?

For UK Limited Companies focused on rewards and welcome bonuses, Capital On Tap is better — 1% unlimited cashback (or Avios), credit up to £250,000, and a £75 welcome bonus with code 2REFY893A52. Revolut Business Credit is better only for businesses already deeply embedded in Revolut Business banking who don't mind weaker rewards.

Can I get Revolut Business Credit without a Revolut Business account?

No. Revolut Business Credit is only available to existing Revolut Business customers. Capital On Tap, by contrast, has no banking relationship requirement — apply directly with code 2REFY893A52 regardless of where you bank.

Does Revolut Business Credit pay cashback?

Only on the highest Revolut Business tiers (Scale £79/month and Enterprise). The Free and Grow plans get no cashback. Capital On Tap pays 1% unlimited cashback on every plan, with no monthly fee.

Which has the higher credit limit — Capital On Tap or Revolut?

Both advertise up to £250,000. In practice Capital On Tap's initial limits for new approvals are typically slightly higher (£5,000–£25,000) than Revolut's (£2,000–£20,000), with both growing in line with healthy use and turnover.

Comparisons

Capital On Tap vs Revolut Business Card 2026

By Afshin · 25 April 2026 · 7 min read · Updated 2026-07-28

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 has no annual fee advertised and rates as low as 13.86% variable APR; that is the lowest advertised rate, not representative or guaranteed, and your personalised rate may be higher. 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)
APR — Capital On Tap advertises as low as 13.86% variable (not representative or guaranteed) / Revolut 17.9%–35.4%
FX fees — Capital On Tap advertises no FX fee / 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, credited after your first card transaction.

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 lists active UK Ltd, LLP and PLC businesses among its eligible structures and says there is no minimum trading-history requirement. The application asks for monthly turnover, but public issuer pages differ on a numeric minimum; confirm current criteria directly. Sole traders are not among the listed eligible structures.

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.

Frequently asked questions

Is Capital On Tap better than Revolut Business Credit?: For UK Limited Companies focused on rewards and welcome bonuses, Capital On Tap is better — 1% unlimited cashback (or Avios), credit up to £250,000, and a £75 welcome bonus with code 2REFY893A52. Revolut Business Credit is better only for businesses already deeply embedded in Revolut Business banking who don't mind weaker rewards.
Can I get Revolut Business Credit without a Revolut Business account?: No. Revolut Business Credit is only available to existing Revolut Business customers. Capital On Tap, by contrast, has no banking relationship requirement — apply directly with code 2REFY893A52 regardless of where you bank.
Does Revolut Business Credit pay cashback?: Only on the highest Revolut Business tiers (Scale £79/month and Enterprise). The Free and Grow plans get no cashback. Capital On Tap pays 1% unlimited cashback on every plan, with no monthly fee.
Which has the higher credit limit — Capital On Tap or Revolut?: Both advertise up to £250,000. In practice Capital On Tap's initial limits for new approvals are typically slightly higher (£5,000–£25,000) than Revolut's (£2,000–£20,000), with both growing in line with healthy use and turnover.

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 →