Capital On Tap Promo Code 2REFY893A52 — 7,500 Points (£75 Free)

By Afshin · Permanent promo code

How to use the promo code

1. Click this referral link — the promo code 2REFY893A52 is already attached.
2. Complete the 2-minute application — soft credit search only, so no impact on your credit file at this stage.
3. Once approved and your card is activated, make your first card transaction — even a small everyday business expense is enough.
4. Your 7,500 bonus points appear in your rewards balance — redeem as cashback (£75) or Avios (6,000 Avios on the free card).

What you get with Capital On Tap

• £0 annual fee on the standard Business Credit Card.
• Unlimited 1% cashback on every purchase — no categories, no caps.
• Credit limit up to £250,000 based on business turnover and trading history.
• Up to 56 days interest-free when you pay your statement in full.
• Free additional cards for employees with individual spend limits.
• Live Xero, QuickBooks and Sage integration — every transaction auto-categorised.
• Apple Pay, Google Pay and a physical Visa card with contactless and chip-and-PIN.

Self-employed drivers and business owners

Self-employed drivers, contractors and other owner-operators can check the application, but acceptance depends on how the business is registered and Capital On Tap's current eligibility checks. Directors or owners of eligible UK Ltd, LLP and PLC businesses can use referral code 2REFY893A52. If your business structure falls outside those categories, do not assume the referral offer applies; check the issuer's current terms before applying.

Eligibility — who can apply

• UK-registered limited company, LLP or PLC.
• Director or owner aged 18+ resident in the UK.
• Minimum business turnover of £24,000/year (£2,000/month).
• Trading for at least 4 months (newer businesses can sometimes still qualify on director income).
• No recent bankruptcies or active CCJs against the business or director.

Frequently asked questions

Is the promo code 2REFY893A52 genuine?

Yes — it is our personal Capital On Tap referral code, registered to ADNEX Technology. This is a permanent referral code; Capital On Tap controls the offer terms.

Does Capital On Tap do a hard credit check?

No — Capital On Tap performs a soft credit search to give you a decision. A hard search only happens once you accept the offer and the account is opened.

When do the 7,500 bonus points arrive?

The points are credited within 5 working days of your first card transaction after activation.

Can I redeem the bonus as Avios?

Yes. 7,500 points = 6,000 Avios on the free card when you transfer to British Airways Executive Club at 0.8 Avios per point on the free card. That's enough for a one-way short-haul Reward Flight in economy plus taxes.

What's the difference between the free card and the £99 Rewards card?

The free card earns 1% cashback. The Business Rewards Card (£99/year) earns 1.5 points per £1 — worth it if you spend more than £20,000/year on the card. Use our rewards calculator to find your break-even point.