Do builders' merchants accept Capital On Tap?

Yes. Travis Perkins, Howdens, Screwfix, Toolstation, Wickes Trade and Selco all accept Visa Business credit cards including Capital On Tap, both in-store and on trade accounts.

Can I use it for fuel?

Yes — at any UK fuel station. There's no fuel-specific surcharge, just the standard purchase rate.

What if my limited company is brand new?

Capital On Tap does not publish a minimum trading-period rule, but it requires £24,000+ annual turnover (~£2,000/month) — so very new companies with no invoiced revenue usually struggle to qualify. Newer trade Ltd companies should look at American Express Business Gold or use a personal cashback card temporarily, then switch once the company has consistent monthly turnover above £2,000.

Industry guide · May 2026

Best Business Credit Card for UK Tradespeople & Builders 2026

Builders, electricians, plumbers and other UK tradespeople spend heavily on materials at builders' merchants (Travis Perkins, Howdens, Screwfix, Toolstation), tools, and fuel. A 1% cashback card with no annual fee turns those purchases into recurring savings.

Why Capital On Tap fits tradespeople

1% cashback at all major builders' merchants
Up to ~50 days interest-free if you pay statement in full — bridges client invoice gaps
Multiple cardholders for apprentices and team leads
Soft credit check at quote stage — no impact on personal credit if you don't proceed

Top spend categories for tradespeople

› Builders' merchants (Travis Perkins, Howdens, Screwfix)
› Fuel & vehicle costs
› Tool purchases
› Plant hire & equipment
› Insurance & professional fees

Example spend & cashback

Spend category	Monthly spend	Monthly cashback
Materials & merchants	£8,000	£80/mo
Fuel & vehicle	£600	£6/mo
Tools & equipment	£500	£5/mo
Plant hire	£1,000	£10/mo
Total	£10,100/mo	~£1212/year

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

FAQs for tradespeople

Do builders' merchants accept Capital On Tap?: Yes. Travis Perkins, Howdens, Screwfix, Toolstation, Wickes Trade and Selco all accept Visa Business credit cards including Capital On Tap, both in-store and on trade accounts.
Can I use it for fuel?: Yes — at any UK fuel station. There's no fuel-specific surcharge, just the standard purchase rate.
What if my limited company is brand new?: Capital On Tap does not publish a minimum trading-period rule, but it requires £24,000+ annual turnover (~£2,000/month) — so very new companies with no invoiced revenue usually struggle to qualify. Newer trade Ltd companies should look at American Express Business Gold or use a personal cashback card temporarily, then switch once the company has consistent monthly turnover above £2,000.