Is it ethical to earn cashback on client ad budgets?

It's standard practice — agencies disclose markup or fee structure to clients separately. The cashback earned on the card is a benefit of using your operating account to fund spend, just like interest on idle cash. Be transparent with your client agreement.

Can I add my account managers as cardholders?

Yes. Capital On Tap allows multiple additional cardholders at no extra cost, each with their own card and individual spending limits set by you.

Will high pass-through volume cause limit issues?

Use the rewards calculator to size your annual spend, then request a credit limit at least 1.5x your peak monthly spend at application. Limits are reviewed and increased automatically every 3-6 months as you build payment history.

Industry guide · May 2026

Best Business Credit Card for UK Agencies 2026

UK agencies — marketing, creative, PR, dev shops — typically spend on client ad budgets (re-billed), SaaS tools, contractor invoices and client entertainment. A no-fee rewards card on the agency itself recoups thousands when client ad spend runs through your card.

Why Capital On Tap fits agencies

Pass-through client ad budgets earn 1% cashback even though re-billed at cost
Multiple cardholders for account managers and ops teams
0% FX on USD-denominated SaaS (Figma, Webflow, Notion, ChatGPT, Google Workspace)
Cashflow buffer between client invoices and supplier payments

Top spend categories for agencies

› Client ad budgets (Meta, Google)
› SaaS subscriptions (Figma, Webflow, Notion, Slack)
› Freelancer payments via Stripe/PayPal
› Client entertainment & events
› Travel to client meetings

Example spend & cashback

Spend category	Monthly spend	Monthly cashback
Client ad pass-through	£40,000	£400/mo
Agency SaaS stack	£1,200	£12/mo
Travel & client entertainment	£1,500	£15/mo
Freelancers / contractors	£8,000	£80/mo
Total	£50,700/mo	~£6084/year

Indicative figures based on typical agencies spend patterns. Plus a £75 welcome bonus on first transaction with code 2REFY893A52.

FAQs for agencies

Is it ethical to earn cashback on client ad budgets?: It's standard practice — agencies disclose markup or fee structure to clients separately. The cashback earned on the card is a benefit of using your operating account to fund spend, just like interest on idle cash. Be transparent with your client agreement.
Can I add my account managers as cardholders?: Yes. Capital On Tap allows multiple additional cardholders at no extra cost, each with their own card and individual spending limits set by you.
Will high pass-through volume cause limit issues?: Use the rewards calculator to size your annual spend, then request a credit limit at least 1.5x your peak monthly spend at application. Limits are reviewed and increased automatically every 3-6 months as you build payment history.