Will my card be flagged for high Facebook Ads spend?

No. Capital On Tap is well aware that e-commerce businesses spend heavily on ad platforms and treats this as normal usage. Sustained 5-figure monthly ad spend is well within the card's design parameters.

Can I use it for Amazon FBA seller fees?

Yes. Amazon Seller Central accepts Capital On Tap cards for monthly fees, FBA inventory and PPC ad campaigns.

Is there a way to get more than 1% back on ads?

Capital On Tap is flat 1% across all categories. American Express Business Gold has rotating bonus categories that sometimes include advertising at 2-4x points but charges a £195 annual fee.

Industry guide · May 2026

Best Business Credit Card for UK E-commerce 2026

E-commerce businesses spend heavily on Facebook & Google Ads, Shopify subscriptions, fulfilment fees, and overseas inventory. A card with 1% rewards and zero FX fees can save thousands per year for any online retailer doing meaningful volume.

Why Capital On Tap fits e-commerce

0% FX fees save 2.5-3% vs traditional bank cards on USD/EUR supplier payments
1% cashback on all advertising spend (Meta, Google, TikTok)
High credit limits accommodate large pre-Christmas inventory orders
Virtual cards for separating ad accounts and supplier accounts

Top spend categories for e-commerce

› Paid ads (Meta, Google, TikTok)
› Inventory & wholesale (often international)
› Shopify, BigCommerce, WooCommerce subscriptions
› Fulfilment (3PL, Amazon FBA fees)
› Email marketing (Klaviyo, Mailchimp)

Example spend & cashback

Spend category	Monthly spend	Monthly cashback
Paid advertising	£15,000	£150/mo
Inventory (international)	£20,000	£200/mo + ~£500 FX savings
Software stack	£800	£8/mo
Fulfilment & shipping	£3,000	£30/mo
Total	£38,800/mo	~£4656/year

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

FAQs for e-commerce

Will my card be flagged for high Facebook Ads spend?: No. Capital On Tap is well aware that e-commerce businesses spend heavily on ad platforms and treats this as normal usage. Sustained 5-figure monthly ad spend is well within the card's design parameters.
Can I use it for Amazon FBA seller fees?: Yes. Amazon Seller Central accepts Capital On Tap cards for monthly fees, FBA inventory and PPC ad campaigns.
Is there a way to get more than 1% back on ads?: Capital On Tap is flat 1% across all categories. American Express Business Gold has rotating bonus categories that sometimes include advertising at 2-4x points but charges a £195 annual fee.