Tap on DealsCapital On Tap Rewards Calculator (2026)
Free interactive calculator: enter your monthly UK business spend and instantly see your annual cashback, Avios value, free vs Rewards card break-even, and how Capital On Tap compares against Amex Business Gold, Revolut and Tide.
How the calculator works
The Capital On Tap Business Credit Card pays 1 point per £1 spent (= 1% cashback or 0.8 Avios per point on the free card). The Capital On Tap Business Rewards Card pays 1.5 points per £1 spent for a £99/year fee. The calculator multiplies your annual spend by the relevant earn rate, applies your Avios redemption value, subtracts the annual fee, and compares against four other major UK business credit cards.
Worked examples
| Spend | Free card cashback | Rewards card net | Avios @ 2p (Club Europe) |
|---|---|---|---|
| £1,000/mo (£12,000/yr) | £120 | £81 | £240 |
| £2,500/mo (£30,000/yr) | £300 | £351 | £600 |
| £5,000/mo (£60,000/yr) | £600 | £801 | £1,200 |
| £10,000/mo (£120,000/yr) | £1,200 | £1,701 | £2,400 |
Break-even analysis
The Capital On Tap Business Rewards Card (£99/year, 1.5 points per £1) breaks even against the free Business Credit Card at £19,800 of annual spend. Above that, the Rewards card earns more net of the fee. If you redeem points as Avios at 2p+ per point on Club Europe or Club World flights, the break-even drops to roughly £10,000/year.
Interpreting your estimated rewards
Use the amount your business normally spends on eligible purchases, rather than its total turnover or credit limit. The calculator shows a reward estimate using the assumptions displayed on this page; it is not an application, an approval decision or a personalised quote. A higher estimated reward does not make borrowing cheaper. Interest, late-payment charges and other account costs can outweigh the value of cashback or points, so consider those separately when deciding whether a card suits your business.
Check the assumptions before comparing cards
Try more than one spending amount and Avios valuation to see how sensitive the result is. An Avios valuation is your estimate of the value of a redemption, not a guaranteed cash payment, and availability, taxes and redemption conditions can change the value you obtain. Any welcome reward is conditional on the issuer’s current eligibility and qualifying-activity rules. Compare the current earn rates, annual fees, transfer rules and cardholder agreement with the model before relying on its recommendation.