What is the Capital On Tap promo code for April 2026?

The Capital On Tap promo code for April 2026 is 2REFY893A52. Entering this referral code during your application gives you 7,500 points — worth £75 — credited to your account after making your first card transaction within 30 days.

How do I get 7,500 points (£75) free with Capital On Tap?

To claim 7,500 points (worth £75) with Capital On Tap: 1) Copy the referral code 2REFY893A52, 2) Apply via the referral link, 3) Enter 2REFY893A52 in the Referral Code field during sign-up, 4) Get approved, 5) Make your first transaction within 30 days. The 7,500 points are credited automatically.

Who is eligible for Capital On Tap?

Capital On Tap is available to UK-registered businesses including Limited Companies, LLPs, Partnerships, and Sole Traders. The business must have been trading for at least 6 months, have a minimum monthly turnover of £2,000, and have no active County Court Judgements (CCJs).

Does applying for Capital On Tap affect my credit score?

Checking your eligibility for Capital On Tap uses only a soft credit search, which does not affect your credit score. A hard search is only performed if you choose to proceed with the full application after receiving your offer.

When are the 7,500 points credited after using the Capital On Tap referral code?

The 7,500 points bonus (worth £75) is credited to your Capital On Tap account within a few business days of making your first qualifying card transaction. The points appear on your account balance.

Can sole traders use the Capital On Tap promo code 2REFY893A52?

Yes. Sole traders can use the Capital On Tap referral code 2REFY893A52, provided they meet the eligibility criteria: UK-based business, trading for at least 6 months, and a minimum monthly turnover of £2,000.

What can I do with 7,500 Capital On Tap points?

7,500 Capital On Tap points are worth £75 in cashback, applied directly to your account balance. This reduces your outstanding balance or sits as positive credit for future spend. Points can also be redeemed for travel rewards through partner programmes.

How does Capital On Tap compare to other business credit cards?

Capital On Tap stands out with no annual fee (competitors charge £32–£150), unlimited 1% cashback (competitors often cap rewards), credit limits up to £250,000 (vs typically £50,000), instant virtual card, free employee cards, and seamless Xero/Sage integrations. It has a 4.8/5 Trustpilot rating compared to 3.5–4.2 for competitors.

Is Capital On Tap regulated and safe to use?

Yes. Capital On Tap is authorised and regulated by the Financial Conduct Authority (FCA). They serve over 200,000 UK business customers and maintain a 4.8/5 Excellent rating on Trustpilot with thousands of verified reviews.

What is the current Capital On Tap referral code or promo code for new UK business customers in 2026?

The Capital On Tap referral code for 2026 is 2REFY893A52. New UK Limited Company and LLP applicants who use this code receive a 7,500-point welcome bonus (worth £75 in cashback) after spending £5,000 on the card within their first 90 days. The code is verified working as of April 2026 and stacks on top of the standard 1% unlimited cashback the card earns on every transaction.

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Tap on Deals Get £75 Free

Verified April 2026

Get £75 free with Capital On Tap

Use promo code 2REFY893A52 during sign-up. Receive 7,500 bonus points after your first transaction. No annual fee.

2REFY893A52

Claim Your £75 →

£75Bonus

7,500Points

1%Cashback

£0Annual Fee

The Capital on Tap promo code for 2026 is 2REFY893A52. Enter this code during sign-up to receive 7,500 points worth £75 after your first transaction. Capital on Tap is a UK business credit card with no annual fee, unlimited 1% cashback on all spending, and credit limits up to £250,000. The card is issued by Visa and regulated by the Financial Conduct Authority (FCA). Over 200,000 UK businesses use Capital on Tap, and it holds a 4.8/5 rating on Trustpilot.

3 SIMPLE STEPS

Claim your bonus in under 5 minutes

No complex hurdles. A straightforward application that takes less than two minutes.

Copy the code
Copy referral code 2REFY893A52 to your clipboard.
Apply online
Visit Capital On Tap, complete the 2-minute application and paste the promo code.
Make a purchase
Use your instant virtual card for any business purchase. £75 credited automatically.

EDITORIAL REVIEW

Our Verdict

"I've been a Capital On Tap customer for over three years. The 1% uncapped cashback paired with Xero integration has genuinely streamlined my business finances. It's the best business credit card I've used."

Afshin — Verified Customer, 3+ Years

WHY CAPITAL ON TAP

Built for ambitious businesses

Beyond the £75 bonus — a comprehensive suite of financial tools trusted by 200,000+ UK businesses.

No Annual Fee

Zero hidden charges, forever.

1% Cashback

Unlimited, uncapped on every transaction.

Xero & Sage Sync

Native accounting integrations.

Up to £250K

Credit limits that scale with you.

Instant Virtual Card

Start spending immediately.

Free Team Cards

Unlimited employee cards.

FCA Regulated

Full UK financial regulation.

Global Acceptance

Visa network worldwide.

COMPARISON

How Capital On Tap compares

See why Capital On Tap is the preferred choice for UK businesses in 2026.

Feature	Capital On Tap	Typical Competitor
Annual Fee	£0	£32 – £150
Cashback Rate	1% unlimited	0.5% – 1% capped
Credit Limit	Up to £250,000	Up to £50,000
Virtual Card	Instant on approval	5–7 working days
Employee Cards	Unlimited, free	Limited or paid
Accounting	Xero, Sage, FreeAgent	Limited or none
Eligibility Check	Soft search only	Often hard search
Trustpilot	4.8/5 Excellent	3.5 – 4.2/5
Sign-Up Bonus	7,500 points (£75)	None or lower

DEEP DIVE

Why businesses choose Capital On Tap in 2026

Perfect for limited companies and sole traders

Whether you're a limited company, LLP, partnership, or sole trader, Capital On Tap provides tailored credit solutions. The application takes under 2 minutes with just basic business details required.

Real cashback that adds up

Unlike cards that cap rewards, Capital On Tap's 1% cashback is unlimited and automatic. On £100,000 annual spend, that's £1,000 back into your business — plus your initial £75 sign-up bonus.

Seamless accounting integration

Capital On Tap connects directly with Xero, FreeAgent, and Sage, automatically categorising and syncing transactions. No more manual expense entry or receipt chasing.

Regulated and trusted by 200,000+ businesses

Capital On Tap is authorised and regulated by the Financial Conduct Authority (FCA). With a 4.8/5 Excellent rating on Trustpilot and over 200,000 active UK business customers, it's one of the most trusted fintech providers in the country.

FAQ

Frequently asked questions

What is the Capital On Tap promo code for April 2026?: The Capital On Tap promo code for April 2026 is 2REFY893A52. Enter this referral code during your application to receive 7,500 points — worth £75 — credited to your account after your first card transaction within 30 days.
How do I claim the 7,500 points (£75) bonus?: Copy the code 2REFY893A52 from this page, click the referral link to start your Capital On Tap application, enter 2REFY893A52 in the 'Referral Code' field, get approved, and make your first card transaction within 30 days.
Who is eligible for Capital On Tap?: Capital On Tap is open to UK-registered businesses — including Limited Companies, LLPs, Partnerships, and Sole Traders. Your business must have been trading for at least 6 months with minimum monthly turnover of £2,000.
Does applying affect my credit score?: Checking eligibility uses only a soft credit search with no impact on your score. A hard search is only conducted if you formally apply.
When are the 7,500 points credited?: Typically within a few business days of making your first qualifying card transaction.
Can sole traders apply?: Yes. Sole traders are eligible provided they meet the standard criteria: trading for at least 6 months and minimum monthly turnover of £2,000.
What can I do with the 7,500 points?: The 7,500 points are worth £75 in cashback applied directly to your balance, or can be redeemed for travel rewards.
How does Capital On Tap compare to other business credit cards?: Capital On Tap stands out with no annual fee, unlimited 1% cashback, credit limits up to £250,000, instant virtual card, free employee cards, and Xero/Sage integrations. It has a 4.8/5 Trustpilot rating compared to 3.5–4.2 for competitors.
Is Capital On Tap regulated and safe?: Yes. Capital On Tap is authorised and regulated by the Financial Conduct Authority (FCA) with over 200,000 UK business customers and a 4.8/5 Trustpilot rating.

Get your £75 bonus today

Apply with code 2REFY893A52. No annual fees. Soft credit check only. Takes 2 minutes.

2REFY893A52

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