What if I'm a sole trader, not Ltd?

Capital On Tap doesn't accept sole traders for the credit card. If you operate as a sole trader, your options are American Express, personal cashback cards used for business, or Tide Business Credit.

Is the £75 bonus worth applying for if I'm a small freelancer?

Yes. The £75 bonus from code 2REFY893A52 credits after your first card transaction — even £1 spent qualifies. There's no minimum spend hurdle.

Will it integrate with FreeAgent?

Yes. Capital On Tap supports Open Banking so transactions auto-feed into FreeAgent, Xero and QuickBooks for automatic categorisation.

Industry guide · May 2026

Best Business Credit Card for UK Freelancers 2026

UK freelancers operating through a Limited Company need clean separation of business spend, simple recordkeeping for the accountant, and ideally some rewards on the SaaS, equipment and travel that comes with the territory. Capital On Tap is the most popular pick.

Why Capital On Tap fits freelancers

1% cashback on every transaction, no minimum spend
0% FX on USD subscriptions (Adobe, Notion, ChatGPT, GitHub)
Open Banking sync with FreeAgent, Xero, QuickBooks
No annual fee — works at any spend level

Top spend categories for freelancers

› SaaS & creative tools
› Hardware & gadgets
› Co-working & home office
› Travel to client sites
› Marketing & website costs

Example spend & cashback

Spend category	Monthly spend	Monthly cashback
SaaS subscriptions	£250	£2.50/mo
Hardware (annualised)	£200	£2/mo
Travel to clients	£300	£3/mo
Marketing & web	£150	£1.50/mo
Total	£900/mo	~£108/year

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

FAQs for freelancers

What if I'm a sole trader, not Ltd?: Capital On Tap doesn't accept sole traders for the credit card. If you operate as a sole trader, your options are American Express, personal cashback cards used for business, or Tide Business Credit.
Is the £75 bonus worth applying for if I'm a small freelancer?: Yes. The £75 bonus from code 2REFY893A52 credits after your first card transaction — even £1 spent qualifies. There's no minimum spend hurdle.
Will it integrate with FreeAgent?: Yes. Capital On Tap supports Open Banking so transactions auto-feed into FreeAgent, Xero and QuickBooks for automatic categorisation.