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Capital On Tap FAQ — 245 answers

Every common question about Capital On Tap, the referral code 2REFY893A52, eligibility, rewards, fees and the application process — answered. Updated for 2026.

For the code, current offer and issuer sources, see the Capital On Tap promo and referral code guide.

What is the Capital On Tap promo code?
2REFY893A52 is the Capital On Tap referral promo code shared by Tap on Deals (ADNEX Technology). The referral link includes the code. Check the issuer's current offer and confirm the code appears in your application before submitting.
Is a Capital On Tap promo code the same as a referral code?
On this page, promo code and referral code both mean 2REFY893A52, the code carried by our Capital On Tap referral link. Other promotional programmes may have different codes and terms; this is not a claim that all offers are identical.
How much is the referral offer worth?
The issuer's referral page for 2REFY893A52 advertises 7,500 bonus points. Its rewards guide values one point at 1p in cashback, making 7,500 points worth £75 when redeemed that way. Eligibility, qualifying activity and the terms shown for your application determine any reward.
Where do I enter Capital On Tap referral code 2REFY893A52?
Start from the referral link, which includes code 2REFY893A52. Check that the code appears in the application before submitting and enter it manually only if it is missing. If it does not appear or there is no code field, contact Capital On Tap before proceeding.
When are the referral bonus points credited?
The issuer's offer page advertises points after a first transaction. Section 5 of its standard Refer a Friend Programme terms says the referred customer receives their bonus within one month of their first transaction. Check the terms shown for your application because offers can change or have different conditions.
Who can apply using the referral link?
Capital On Tap lists UK Ltd, LLP and PLC businesses as eligible structures. Its standard referral terms require the referred business to be a new customer. Other business, applicant and credit criteria apply; meeting a listed requirement does not guarantee approval.
Can I add the referral code after applying?
Do not assume a code can be added retrospectively. Capital On Tap's standard terms require use of the unique referral link. If you have already applied, ask the issuer whether the offer can be associated with your application; do not submit another application just to seek a reward.
Does code 2REFY893A52 expire?
We checked the advertised offer on 5 October 2026, but that does not guarantee future availability. Capital On Tap can change or end its referral programme. Check the current offer and terms when you apply.
Is the Capital On Tap £75 reward guaranteed?
No. The issuer advertises 7,500 points on its referral page, but eligibility, approval, the qualifying transaction and the current referral terms apply.
Can anyone get Funding Circle's £50 gift card?
No. The published terms say the invitation promotion is available only to businesses that Funding Circle offers it to. Confirm that the offer is shown to you before relying on it.
Is 2% cashback the same as a welcome bonus?
No. Funding Circle describes 2% cashback for six months, up to £2,000, followed by 1% as a card reward. It depends on eligible spend, unlike a fixed one-off reward.
Should I spend more to earn a card reward?
Do not spend or borrow solely to qualify. Compare the terms with spending your business already needs to make, and account for interest and fees.
How much cash are 7,500 Capital On Tap points worth?
Capital On Tap's rewards information lists cashback at 1p per point, so 7,500 points are worth £75 when redeemed as cashback. Other redemption options can have different value.
Does the £75 reward cover Capital On Tap Pro's fee?
No. The referral offer and Pro offer are separate. Pro is advertised at £299 per year, while its separate 10,000-point offer is shown as £100 towards the balance after £5,000 spend in the first three months and is subject to eligibility.
Is Capital On Tap a real credit card?
Capital On Tap is the trading name of New Wave Capital Limited. Its legal page identifies FCA reference 625592 for consumer credit activities and 900922 for electronic money; check the current permissions and card agreement.
How long does the Capital On Tap application take?
The application is online, but decision and onboarding times can vary. A quick application or decision does not guarantee approval; check the issuer's current application information.
Can I have both Capital On Tap and Amex Business Gold?
Yes. There's no rule against holding both cards, and many UK business owners do — using Amex for high-reward categories and Capital On Tap for FX, suppliers that don't take Amex, and as a backup.
Which card has better cashback for a UK business?
For straight cashback, Capital On Tap is better — 1% with no caps and no annual fee. Amex Business Gold earns transferable points which can be worth more than 1% if redeemed for premium travel, but less if redeemed for statement credit.
Can a sole trader get Capital On Tap?
The issuer currently lists UK Ltd, LLP and PLC businesses as eligible structures. Check its current criteria to confirm whether your business can apply.
Does Capital On Tap do a hard credit check?
The issuer says it makes an initial soft search on the applicant's personal credit file. It carries out a hard search on the business file once the credit agreement is signed.
How long does my company need to be trading before applying?
Capital On Tap's eligibility article says there is no minimum trading-history requirement. Its public pages differ on a numeric turnover threshold, so confirm the current requirement with the issuer; no single figure guarantees approval.
Is 1% cashback a good rate for a UK business credit card?
Yes. 1% with no annual fee and no FX fees is the realistic top of the UK market for unlimited, uncapped cashback. Anything claiming higher rates usually has caps, category restrictions, or annual fees that erode the headline number.
Which UK business gets the most value from a cashback card?
Businesses that pay the balance in full, spend consistently and can use a card for ordinary operating costs usually get the clearest value. Compare the reward rate with annual and FX fees, check acceptance with your suppliers, and confirm that your company structure meets the issuer's eligibility rules.
Is 1 Capital On Tap point the same as 1 Avios?
On the free card, Capital On Tap points transfer to Avios at 0.8 Avios per point. So 7,500 points becomes 6,000 Avios in your British Airways Executive Club account.
Do Capital On Tap points expire?
Capital On Tap points themselves don't have a published expiry as long as your account remains active. Avios in your BA Executive Club account expire after 36 months of no qualifying activity.
Is it illegal to use a personal credit card for business expenses in the UK?
It's not illegal, but most personal card issuers' terms forbid commercial use. The main practical issues are messy bookkeeping, personal liability, and missed rewards — not legal risk.
Will using a business credit card affect my personal credit score?
Search and reporting practices vary by issuer. Capital On Tap says it makes an initial soft search on the applicant's personal credit file and a hard search on the business file once the credit agreement is signed. Check each provider's current agreement for ongoing reporting and personal-liability terms.
Will applying for Capital On Tap affect my credit score?
The issuer says its initial search is a soft search on the applicant's personal credit file and does not affect their score. It says a hard search on the business credit file takes place once the credit agreement is signed.
How many hard searches is too many?
Most credit-scoring models start treating you as higher risk above 4-5 hard searches in a 12-month period. One or two per year is normal and has minimal impact.
Does Capital On Tap have a monthly fee?
Capital On Tap currently advertises no annual fee on its standard business card. Check the current card agreement for other charges and the terms that apply to your account.
What is the Capital On Tap interest rate in 2026?
The issuer advertises rates as low as 13.86% variable APR. That is not a representative or guaranteed rate; your personalised offer states the rate that applies to you.
How long does it take to build business credit in the UK?
Expect 6-12 months to move from a 'thin file' to a fair or good business credit score with consistent on-time payments and active trade lines. Reaching an excellent rating typically takes 18-24 months.
Does a business credit card help build business credit?
Yes. A business credit card that reports to UK credit bureaus (like Capital On Tap) is one of the fastest ways to build positive payment history on your business credit file, provided you pay in full and on time each month.
How long does Capital On Tap take to approve?
Most Capital On Tap applications get an instant decision in under 2 minutes via a soft credit check. Around 10% are flagged for manual review and clear within 1 working day. The physical Visa card arrives by post within 5 working days.
Can I use Capital On Tap before the physical card arrives?
Yes. Once approved, Capital On Tap gives you a virtual card that you can add to Apple Pay or Google Pay immediately. You can also use the virtual card details for online purchases straight away.
Why is my Capital On Tap application taking longer than expected?
The issuer's public pages do not state a universal numeric turnover threshold: its main card page asks for average monthly turnover, while another issuer article quotes £2,000 per month. Confirm current requirements and application timing directly with Capital On Tap.
Does Capital On Tap report to credit bureaus?
The issuer's current application page says a hard search is made on the business credit file once the credit agreement is signed. For ongoing account reporting, ask the issuer or check the current agreement; this guide does not assume which agencies receive updates or how often.
What credit score do I need for Capital On Tap?
Capital On Tap does not publish a minimum score in the criteria reviewed for this guide. It assesses each application; check the current eligibility criteria and do not treat a particular score as a guarantee of approval.
Can sole traders get a Capital On Tap card?
Capital On Tap lists UK Ltd, LLP and PLC businesses as eligible structures; sole traders are not listed. Check the issuer's current criteria before applying.
What is the best business credit card for UK sole traders in 2026?
There is no single best option for every sole trader. Compare current eligibility, fees, credit or payment features, rewards, acceptance and repayment terms; check each provider's own terms before applying.
If I become a Limited Company can I then apply for Capital On Tap?
A business structure change does not guarantee eligibility or approval. Check Capital On Tap's current business and applicant criteria, and consider independent accounting or legal advice before changing structure.
How long does it take to become a Limited Company in the UK?
Registration time and fees can change. Check current Companies House information, and get independent professional advice if you are deciding whether to incorporate.
What is the maximum Capital On Tap credit limit in 2026?
Capital On Tap offers credit limits up to £250,000. The £250,000 cap is reserved for high-turnover UK companies (typically £1m+ annual revenue) with multiple years of healthy account history. New cardholders typically start between £5,000 and £25,000.
How often does Capital On Tap review credit limits?
Capital On Tap reviews every account automatically every 4–6 months. Cardholders can also request a manual review after 3 months of account history via the in-app chat — responses typically come within 2 working days.
Will requesting a Capital On Tap credit limit increase trigger a hard credit check?
The issuer's published application information describes an initial soft search on the applicant's personal credit file and a hard search on the business file once the credit agreement is signed. It does not specify the search used for an existing-account limit review; ask Capital On Tap before requesting one.
How can I increase my chances of a Capital On Tap credit limit increase?
Pay your statement balance in full and on time every month, use 50–80% of your current limit (showing genuine need), grow your business turnover, keep your Companies House filings up to date, and wait at least 6 months before requesting a meaningful increase.
Is Capital On Tap better than Tide Business Credit?
For established UK Limited Companies that want rewards and higher credit limits, Capital On Tap is better — 1% unlimited cashback, up to £250,000 credit limit, and a 7,500-point welcome bonus with code 2REFY893A52. Tide Business Credit is better for sole traders and newer companies already using Tide for banking.
Can sole traders get the Tide Business Credit Card?
Yes, sole traders with an active Tide bank account in good standing can apply for the Tide Business Credit Card. Capital On Tap does not accept sole traders.
Which has the lower APR — Capital On Tap or Tide?
Tide's published representative APR is 19.5% variable. Capital On Tap advertises rates as low as 13.86% variable APR, which is not representative or guaranteed; compare the personalised rates in your offers to see which would cost less if you carry a balance.
Can I have both Capital On Tap and Tide Business Credit?
Yes. They are separate products from different companies. Many UK SMEs bank with Tide and use Capital On Tap as their main spending card to earn 1% cashback and the 7,500-point welcome bonus with code 2REFY893A52.
Will applying for Capital On Tap affect my Tide account?
No. They are separate companies. Capital On Tap says it makes an initial soft search on the applicant's personal credit file and a hard search on the business file once the credit agreement is signed. That does not affect your Tide banking relationship.
Is Pleo a credit card?
No. Pleo cards are prepaid Mastercard debit cards backed by funds you transfer in advance from your business bank account. There's no credit line. Capital On Tap, by contrast, is a true credit card with up to £250,000 credit limit.
Can you get cashback with Pleo?
No. Pleo doesn't offer cashback or any rewards programme. Capital On Tap offers 1% unlimited cashback on every transaction, plus a 7,500-point welcome bonus (worth £75) with referral code 2REFY893A52.
Which is cheaper — Capital On Tap or Pleo?
Capital On Tap is free to hold (no annual or monthly fee). Pleo charges £0–£199+/month depending on plan and user count. If you only need one or two cards and want the cheapest option, Capital On Tap wins.
Should I use Capital On Tap and Pleo together?
Yes, for many growing UK SMEs this is the standard setup. Use Capital On Tap as the main credit line earning 1% cashback, and use Pleo for team spend control with approval workflows and receipt capture. The cards complement rather than compete.
Why was I declined for Capital On Tap?
The issuer's published criteria include company structure, applicant role, CCJs and industry. The application asks for turnover, but the issuer's public pages differ on a numeric minimum. A decision may also reflect other underwriting checks; consult the issuer's decision information for your application.
How long after a Capital On Tap decline can I reapply?
There's no formal cooldown period, but reapplying within 30 days almost always results in another decline because the underlying data hasn't changed. Wait 30–90 days, fix the underlying issue (CCJ paid, filings brought up to date, etc), then reapply with referral code 2REFY893A52.
Does a Capital On Tap decline affect my credit score?
The issuer says the initial application includes a soft search on the applicant's personal credit file and that it does not affect their score. It says a hard search on the business file takes place once the credit agreement is signed.
Will Capital On Tap accept me if I've had a CCJ?
Active CCJs over £500 typically result in decline. Satisfied (paid) CCJs over 6 months old are usually acceptable. If you have a recent CCJ, pay it in full, wait for the satisfied marker to update on the company credit file, then reapply.
Does Capital On Tap integrate with Xero?
Yes. Capital On Tap has a native Xero integration that syncs every card transaction within minutes — including merchant name, amount, VAT estimate, MCC category, and cardholder. Setup takes around 10 minutes from inside the Capital On Tap app or dashboard.
How do I connect Capital On Tap to Xero?
Open the Capital On Tap app, go to Settings → Integrations → Xero → Connect. You'll be redirected to Xero to authorise access, then asked to choose the Xero bank account where transactions should sync. Most users create a 'Capital On Tap Card' (Credit Card type) account in Xero before starting.
Does the Capital On Tap Xero integration capture VAT automatically?
Yes. Capital On Tap estimates VAT on each transaction based on the merchant category and pushes that into Xero. For full HMRC VAT compliance you still need the receipt — the Capital On Tap mobile app's receipt-capture lets you photograph receipts at point of purchase and they attach automatically to the matching Xero transaction.
Which other accounting software does Capital On Tap integrate with?
Capital On Tap offers native integrations with Xero, FreeAgent, Sage Business Cloud, and QuickBooks Online. Xero is the most mature integration; FreeAgent and Sage are similarly automated; QuickBooks works but has occasional category-mapping quirks.
Is Capital On Tap cashback or Avios better?
Cashback gives a guaranteed 1% return. Avios is worth more (typically 1.5p–3p per point) if you redeem on European Club Europe or long-haul Club World flights, but worth roughly the same as cashback (1p–1.4p) on short-haul economy. Choose Avios if you fly BA premium cabins regularly; choose cashback for simplicity and predictability.
What is the conversion rate from Capital On Tap points to Avios?
On the free card, Capital On Tap points transfer to Avios at 0.8 Avios per point. 7,500 points = 6,000 Avios.
Can I split my Capital On Tap points between cashback and Avios?
Yes. You can choose how to redeem each chunk of points individually in the Capital On Tap app. Many users take the welcome bonus 7,500 points as cashback (£75 statement credit) and redeem ongoing points as Avios for premium-cabin flights.
Do Capital On Tap points or Avios expire?
Capital On Tap points never expire while your account is open and in good standing. Avios at British Airways Executive Club expire if there's been no Avios-earning or redeeming activity for 36 consecutive months — but any earning or redeeming activity (including a Capital On Tap transfer) resets the 36-month clock.
Is the Capital On Tap Business Rewards Card worth £99 a year?
Yes if you spend more than £19,800/year on the card and redeem as cashback, or more than ~£10,000/year if you redeem as Avios at 2p+ per point. Below those spends, stick with the free Business Credit Card.
Can I have both Capital On Tap cards?
Yes, you can hold both the Business Credit Card and the Business Rewards Card on the same account. The total credit limit is shared between them, but each has its own card numbers, statements and rewards earn rate.
What is the APR on the Capital On Tap Business Rewards Card?
The issuer advertises rates as low as 13.86% variable APR, but that is not a representative or guaranteed rate. Check the personalised offer for the APR that applies to your card.
Does the Capital On Tap Business Rewards Card include travel insurance?
Yes. The Business Rewards Card includes worldwide travel insurance. Terms and exclusions apply — check the policy summary in the Capital On Tap app before relying on it for any specific trip.
Is Capital On Tap better than Revolut Business Credit?
For UK Limited Companies focused on rewards and welcome bonuses, Capital On Tap is better — 1% unlimited cashback (or Avios), credit up to £250,000, and a £75 welcome bonus with code 2REFY893A52. Revolut Business Credit is better only for businesses already deeply embedded in Revolut Business banking who don't mind weaker rewards.
Can I get Revolut Business Credit without a Revolut Business account?
No. Revolut Business Credit is only available to existing Revolut Business customers. Capital On Tap, by contrast, has no banking relationship requirement — apply directly with code 2REFY893A52 regardless of where you bank.
Does Revolut Business Credit pay cashback?
Only on the highest Revolut Business tiers (Scale £79/month and Enterprise). The Free and Grow plans get no cashback. Capital On Tap pays 1% unlimited cashback on every plan, with no monthly fee.
Which has the higher credit limit — Capital On Tap or Revolut?
Both advertise up to £250,000. In practice Capital On Tap's initial limits for new approvals are typically slightly higher (£5,000–£25,000) than Revolut's (£2,000–£20,000), with both growing in line with healthy use and turnover.
How do I cancel my Capital On Tap account?
Redeem any remaining points first (they're forfeited on closure), pay your statement balance to £0, then request closure via the in-app chat in the Capital On Tap app. The team will freeze the card immediately and complete formal closure within 5–7 working days.
What happens to my Capital On Tap points if I cancel?
Any unredeemed Capital On Tap points are forfeited at closure. Always redeem your points first — either as cashback (100 points = £1 statement credit) or transferred to Avios at British Airways Executive Club (1:1 rate) before requesting closure.
Does cancelling Capital On Tap hurt my business credit score?
Closing the account stops new monthly reporting but does not remove your existing positive payment history — that stays on the UK business credit file for 6 years from closure. Closing does reduce your total available business credit, which can mildly increase utilisation on any remaining cards.
Can I reopen a closed Capital On Tap account?
No. Closed Capital On Tap accounts cannot be reopened. You'd need to apply afresh as a new customer, and welcome bonuses (including the 7,500-point bonus with code 2REFY893A52) only apply to genuinely new customers. If you might want the card again later, consider keeping the account open rather than closing.
Will Capital On Tap approve me with a CCJ?
The issuer's published criteria say the applicant and business must not have unsatisfied CCJs from the past 12 months. This does not guarantee approval or cover every part of the issuer's assessment; confirm your situation directly.
Does Capital On Tap check my personal credit or just the company?
The issuer says it makes an initial soft search on the applicant's personal credit file and a hard search on the business file once the credit agreement is signed.
How long should I wait between Capital On Tap applications?
At least 3 months. Capital On Tap operates an internal cooldown, and reapplying inside that window almost always returns the same decline regardless of credit changes.
Can I add a co-director with better credit to improve my chances?
Yes. If your Ltd company has multiple directors, you can nominate the director with the strongest personal credit file as the primary cardholder. This is a legitimate, common approach for newer Ltds where the founder's credit is weaker.
Can I get Capital On Tap if my CCJ is satisfied but only 12 months old?
Almost certainly not. Capital On Tap's underwriting treats satisfied CCJs under 24 months old as a hard decline in most cases. Wait until 24 months from the satisfaction date, then reapply.
Does a Capital On Tap soft search count as a CCJ check?
The issuer says the application includes an initial soft search on the applicant's personal credit file. It does not publish a detailed description of every item reviewed in that search; contact Capital On Tap with questions about how your specific CCJ is assessed.
Will my Limited company's CCJ affect my personal Capital On Tap application?
It will be visible on the company credit file and may contribute to a decline, but director-level CCJs are weighted much more heavily. A clean director file with a small, satisfied company CCJ is often still approvable.
Can I appeal a Capital On Tap decline based on a CCJ?
Capital On Tap doesn't operate a formal appeals process. Your only options are to fix the CCJ status (pay and certify) or wait until it ages out, then reapply after the 3-month internal cooldown.
Can I get Capital On Tap without a personal guarantee?
No. The personal guarantee from the primary director is a non-negotiable requirement on every Capital On Tap account. There is no PG-free version of the product.
What happens to the personal guarantee if I sell my company?
The PG stays with you personally even if you transfer the company shares to a new owner. You'd need to formally close the Capital On Tap account (paying the balance to zero) to release the guarantee. New owners cannot inherit the PG.
Does a Capital On Tap personal guarantee show on my personal credit file?
Not while the account is in good standing. Capital On Tap reports company-level activity to business credit bureaus. The PG only appears on your personal file if Capital On Tap calls on it after a default — at which point it becomes a personal debt and is reported normally.
Can I cap my personal guarantee at less than the credit limit?
Capital On Tap's standard PG is capped at the credit limit but cannot be capped below it. If you want lower personal exposure, request a lower credit limit through the portal — your PG ceiling moves down with the limit.
Does Capital On Tap charge a fee on USD or EUR online purchases?
The issuer currently advertises no foreign-exchange fees on its standard business card. Check the current agreement for currency-conversion details and any terms that apply to your account.
Is there a Capital On Tap FX fee waiver for the Rewards card?
The issuer advertises no FX fees on its standard business card. Check the current product information and agreement for the terms applying to any other card or account option.
Can I avoid the Capital On Tap FX fee using DCC?
The issuer advertises no FX fees on its standard business card, but a merchant's own currency conversion may use a different rate. Check the amount and rate offered at checkout against the terms that apply to your card.
How long are Capital On Tap statements available to download?
Indefinitely while your account is open. If you close your account, you can request historic statements by emailing support@capitalontap.com — they typically respond within 5 working days.
Can I get a Capital On Tap statement in CSV format?
Yes, via the web portal only (not the mobile app). Account → Statements → select month → CSV icon. The CSV includes transaction date, merchant, amount, FX details, and category.
Do Capital On Tap statements include VAT breakdown?
Statements show the gross transaction amount only. Capital On Tap is not legally a VAT-receiptable supplier (the merchants you paid are). For VAT, you need the original supplier receipts. The Xero/QuickBooks integration auto-categorises VAT-rated transactions for you.
Does Capital On Tap charge to use Apple Pay or Google Pay?
No. Wallet payments cost the same as a physical card tap or chip-and-PIN. There's no surcharge from Capital On Tap, and you earn the same 1% cashback or Avios on every wallet transaction.
Can I add Capital On Tap to multiple iPhones or wallets?
Yes. You can add the same card to Apple Pay on iPhone, Apple Watch, iPad and Mac simultaneously, and to Google Wallet on multiple Android devices. Each device requires SMS verification.
Why is the contactless limit higher with Apple Pay than the card?
Apple Pay and Google Pay use biometric authentication, which the FCA classifies as Strong Customer Authentication. SCA payments are exempt from the £100 contactless cap that applies to non-authenticated card taps.
Is Capital On Tap covered by Section 75?
No, in almost all cases. Section 75 of the Consumer Credit Act 1974 covers individual consumers, not Ltd companies or LLPs. Since Capital On Tap is exclusively a business credit card, Section 75 does not apply to standard business purchases.
Can I claim a refund from Capital On Tap if a supplier goes bust?
Yes via Visa Chargeback, provided you paid for goods or services that were not delivered. File within 120 days of the expected delivery date through the cardholder portal — Capital On Tap will pursue the claim with Visa even if the merchant has entered insolvency.
How long does a Capital On Tap chargeback take?
Capital On Tap acknowledges and provisionally credits within 10 working days for clear-cut cases. Full Visa chargeback resolution takes 45-90 days, depending on whether the merchant disputes the chargeback (which triggers a 'representment' cycle).
What's the Capital On Tap fraud helpline number?
020 3733 5000 in UK office hours. For out-of-hours, freeze the card via the mobile app first (Account → Card Controls → Freeze) and call as soon as the line opens.
Can a contractor on a one-month-old Ltd get Capital On Tap?
Capital On Tap says there is no minimum trading-history requirement, but approval is not guaranteed. The application asks for average monthly turnover; its public pages differ on a numeric minimum. Confirm current criteria directly before applying.
Does my IR35 determination affect Capital On Tap eligibility?
No. Capital On Tap doesn't ask about IR35 status, and HMRC's IR35 view doesn't affect the company's ability to hold a credit card. Inside-IR35 contractors are treated the same as outside-IR35 by Capital On Tap.
Can I use Capital On Tap if I'm contracting through an umbrella company?
No. Capital On Tap requires you to be a director of the applicant company. Umbrella employees aren't directors of the umbrella, so they can't apply via that route. Personal cashback cards are the better fit if you're umbrella.
Will Capital On Tap affect my ability to claim mortgage as a contractor?
Not directly. Capital On Tap reports to business credit bureaus, so it doesn't appear on your personal credit file unless you default. Mortgage lenders look at your personal file for contractor mortgages, so a clean Capital On Tap account in good standing has no negative effect.
How much is the Capital On Tap late payment fee?
The issuer's public product page does not state a late-payment amount. Check your current card agreement and statement for any charge or interest that applies to your account.
Will one missed Capital On Tap payment hurt my business credit score?
The issuer's public product page does not specify a universal reporting window for missed payments. Check your agreement and account information, and contact Capital On Tap promptly to ask how your specific account is affected.
Can I change my Capital On Tap Direct Debit date?
No. The Direct Debit always runs on your statement due date, which is fixed by your account anniversary. You can change which bank account it pulls from, but not when. If timing is a problem, switch to manual payment and pay early.
Does Capital On Tap accept Standing Orders instead of Direct Debit?
Capital On Tap technically accepts Standing Orders but doesn't recommend them — they don't auto-adjust for the variable monthly balance, so you'd over- or underpay. Direct Debit is the only payment method Capital On Tap can guarantee to clear the statement balance correctly.
Can I have both Capital On Tap and Funding Circle FlexiPay open at the same time?
Yes, and many UK SMEs do. They report to different bureaus and don't compete with each other in underwriting. Open Capital On Tap first (easier to qualify), then add FlexiPay once you have 12+ months of trading history.
Is Funding Circle FlexiPay cheaper than Capital On Tap?
Compare the total cost of a FlexiPay draw with the APR in your personalised Capital On Tap offer. Capital On Tap advertises rates as low as 13.86% variable APR, but that is not representative or guaranteed; the cost depends on your offer and repayment.
Can FlexiPay pay for things Capital On Tap can't?
Yes. FlexiPay sends funds to your business bank account, so you can use it to pay suppliers who don't accept cards, settle invoices via bank transfer, or cover wages and tax bills — none of which Capital On Tap can do directly.
Does applying for one affect approval for the other?
Marginally. Both check director credit (FlexiPay does a hard search; Capital On Tap a soft search at application). If you'll apply for both, do Capital On Tap first (no impact on credit file from the soft search), then FlexiPay 1-2 months later.
Can self-employed business owners apply for Capital On Tap?
Eligibility depends on business structure and the issuer's current criteria. Capital On Tap lists UK Ltd, LLP and PLC businesses; sole traders are not listed. Approval is not guaranteed.
How exactly does the £75 welcome bonus work?
Eligible applicants may receive 7,500 points worth £75 after a qualifying transaction, subject to approval and current offer terms. Check the terms shown by the issuer for requirements and reward timing.
Can I cash out the points or do I have to spend them on travel?
Redemption options and values depend on the card and current account terms. Check the options available in your Capital On Tap account before relying on a particular value.
How many Avios is the welcome bonus worth?
Check the current card and rewards terms for available transfer partners and conversion rates; these can change.
Is there an annual fee?
Check the fees for the specific card and account terms offered to you. Do not assume that every product or future offer has the same fees.
Can a sole trader use this card?
Capital On Tap lists UK Ltd, LLP and PLC businesses as eligible structures; sole traders are not listed. Confirm current criteria with the issuer. Do not change your structure solely to seek a card or reward.
What credit score do I need?
Check Capital On Tap's current explanation of its application and credit-search process. It does not guarantee approval or a particular limit.
When will the reward arrive?
Reward timing depends on the offer terms that apply to your application. Check those terms and your account after completing any qualifying activity; contact Capital On Tap if a reward due under the terms is missing.
Can I use it for personal spending?
Review the card agreement for permitted use. Keep business and personal spending separate where required and ask an independent accountant about record-keeping or tax treatment.
What if I spend abroad — are there foreign exchange fees?
Check the fees and exchange-rate terms for the specific card and account offered to you.
When will the £75 actually arrive in my account?
Reward posting time can vary. Check your offer terms and account after completing any qualifying activity; contact Capital On Tap if a reward due under those terms does not appear.
What if I already started an application without entering the code?
Contact Capital On Tap as soon as possible. Whether a code can be associated with an application after submission depends on the issuer; do not assume it can be added later.
Can I use this code on a second business?
Check the current referral terms for rules about existing customers, related businesses and multiple applications. Do not assume that more than one business can qualify.
Will applying with this code affect my credit score?
The issuer says it makes an initial soft search on the applicant's personal credit file and a hard search on the business file once the credit agreement is signed. Using a referral code does not change the stated search sequence.
Why does Capital On Tap keep logging me out?
Sessions automatically expire after 15 minutes of inactivity for security. If you're being logged out faster than that, your browser may be blocking cookies — check that cookies for capitalontap.com are allowed in your browser settings.
Can I log in with face ID on the app?
Yes. Once you've logged in once with email and password, the app will prompt you to enable Face ID (iOS) or fingerprint login (Android). This becomes your default unless you disable it.
How do I change the email on my Capital On Tap account?
Email changes can't be done via the app or website. Email support@capitalontap.com from the current address on file requesting the change, and provide the new address. Verification typically takes 1-2 business days.
What if I'm not the original applicant?
Only the named cardholder can log in to that user's account. If you're an additional cardholder, you have your own login. If you're a new director who's taken over from the original applicant, you'll need to contact support to transfer account ownership.
Will requesting an increase hurt my credit score?
Capital On Tap's published information describes a soft search on the applicant's personal credit file at application and a hard search on the business file once the credit agreement is signed. It does not specify the search process for limit-increase requests, so check directly with the issuer before requesting one.
What's the maximum Capital On Tap credit limit?
£250,000 for established UK limited companies. The vast majority of customers sit between £2,000 and £50,000.
How often can I request an increase?
Once every 90 days is the practical limit. More frequent requests are usually auto-declined.
Can I get a temporary increase for a specific purchase?
Yes. Email support@capitalontap.com explaining the one-off need (e.g. 'I need to buy £15,000 of inventory next week, can you temporarily raise my limit from £8,000 to £18,000 for 30 days'). Approvals are common if your account is in good standing.
Does Capital On Tap publish a minimum trading-period requirement?
The issuer says there is no minimum trading-history requirement. Its public pages differ on a numeric turnover minimum: the main card page gives no figure, while a separate issuer article quotes £2,000 per month. Confirm current criteria directly; approval is not guaranteed.
Does my personal credit score matter for a new company card?
Yes, especially. With limited business trading history to assess, lenders fall back on the director's personal credit. A score of 700+ (Experian) significantly improves approval odds across all options listed here.
Can I apply for Capital On Tap with a brand-new company?
The issuer says there is no minimum trading-history requirement, but approval is not guaranteed. Its application asks for average monthly turnover, and its public pages differ on a numeric minimum. Confirm current criteria directly. The issuer says a hard search on the business file takes place once the credit agreement is signed.
What about sole traders?
The issuer lists UK Ltd, LLP and PLC businesses as eligible structures; sole traders are not among them. Public issuer pages differ on a numeric turnover minimum, so confirm the current requirement if applying through an eligible company structure.
Can I appeal a Capital On Tap decline?
Capital On Tap will reconsider if you provide additional information — emailing support@capitalontap.com with updated revenue figures, recent accounts, or evidence of resolved credit issues sometimes works. There's no formal appeals process.
How long should I wait before reapplying?
The issuer's public criteria do not set a universal reapplication waiting period. Review the decision information, address any issues you can verify, and contact Capital On Tap about current application guidance before trying again.
Does a decline show on my credit file?
The hard credit search shows on your file for 12 months, but the decline outcome itself is not visible to other lenders. Other lenders only see that a search occurred.
What if I've been declined twice?
Two declines in a short period suggests something fundamental needs to change — most often personal credit, time on book, or revenue. Pull your credit reports, identify the specific issue, fix it, and wait 6+ months before trying again.
How many employee cards can I get with Capital On Tap?
There is no published limit — Capital On Tap offers unlimited employee cards at no extra cost. You can issue as many as your team needs, each with its own spending limit.
Do employee cards cost extra?
No. Additional employee cards are free, and the standard Capital On Tap card has no annual fee, so adding cardholders does not increase your costs.
Can I set different limits for each employee?
Yes. Every employee card can have its own monthly spending limit, adjustable instantly from the dashboard or app, all drawn from your single overall credit line.
Do employee card purchases earn cashback?
Yes. All spending on employee cards earns the same 1% unlimited cashback (or Avios points on the Rewards card), credited to your business account.
How much is a Capital On Tap point worth?
As cashback, 1 point equals 1p, so 100 points = £1. Converted to Avios on the Rewards card, the value varies and can be higher or lower than 1p depending on the flight.
How long do points take to appear?
Points from spending post to your account within a few days. The 7,500-point welcome bonus typically appears within a few business days of your first transaction.
Can I redeem points for cash to my bank account?
Points are redeemed as cashback against your Capital On Tap balance rather than paid out to an external bank account. This reduces your balance or builds positive credit.
How do I get the welcome bonus?
Apply with referral code 2REFY893A52 and make your first card purchase. You'll receive 7,500 points worth £75, usually within a few business days.
Is a credit card cheaper than a business loan?
For short-term spend you can repay in full each cycle, yes — you pay no interest and earn cashback. For large amounts repaid over years, a loan's lower interest rate usually wins.
Does Capital On Tap charge interest?
Only if you carry a balance past the interest-free period. If you repay your statement in full each cycle, you pay no interest while still earning 1% cashback.
Can I use Capital On Tap instead of an overdraft?
Often yes — for planned spending, a credit card you clear monthly is usually cheaper than an overdraft and earns rewards. An overdraft can still help with unpredictable account-level gaps.
What credit limit can I get?
Capital On Tap offers limits up to £250,000, decided on your turnover, trading history and credit profile. Most new approvals start lower and increase with healthy use.
How do I get the £75 bonus?
Apply with referral code 2REFY893A52 and make your first transaction to receive 7,500 points worth £75.
What is the minimum turnover for Capital On Tap?
The issuer's main card page asks for monthly turnover but does not state a number; a separate Capital On Tap article quotes £2,000 per month. Confirm the current requirement with the issuer before applying.
Does applying affect my personal credit score?
Capital On Tap says it makes an initial soft search on the applicant's personal credit file and that this does not affect their score. It says a hard search on the business file occurs once the credit agreement is signed.
Can a new company apply?
Capital On Tap's eligibility article says it has no minimum trading-history requirement. The business must still meet the published criteria, provide the requested information and pass the issuer's full assessment; approval is not guaranteed.
How do I claim the £75 bonus?
Apply with referral code 2REFY893A52 and make your first card transaction to receive 7,500 points worth £75.
Does Capital On Tap report to credit agencies?
Yes. Capital On Tap reports account activity to commercial credit reference agencies, so responsible use can help build your business credit history over time.
Can Capital On Tap help build my business credit score?
Yes — paying on time and staying within your limit builds a positive track record. Building credit takes time, so consistent, responsible use over months and years has the most effect.
Will it affect my personal credit?
A director's personal guarantee applies. In normal, responsible use the account builds your business profile, but a serious default could affect personal credit. The initial eligibility check is a soft search with no impact.
How long does it take to build business credit?
There's no fixed timeline — it builds gradually through a consistent history of on-time payments and sensible balances. The earlier you start, the longer your profile has to strengthen.
Does the virtual card work with Apple Pay and Google Pay?
Yes. You can add the virtual card to Apple Pay or Google Pay and use tap-to-pay in store the same day you're approved.
Does virtual card spending earn cashback?
Yes. The virtual card earns the same 1% unlimited cashback (or Avios on the Rewards card) as your physical card, from the very first transaction.
Will a virtual card purchase trigger my £75 bonus?
Yes. Your first qualifying transaction — including via the virtual card — triggers the 7,500-point (£75) welcome bonus when you apply with code 2REFY893A52.
Is the virtual card secure?
Yes. You can freeze it instantly from the app, issue separate virtual employee cards with their own limits, and every transaction syncs to your accounting software.
Is there a UK business credit card with no personal guarantee?
A few exist, but they're limited. They tend to be corporate or charge cards for larger companies needing high turnover, or secured/prepaid cards where you deposit funds upfront. Most mainstream SME credit cards, including Capital On Tap, require a personal guarantee.
Does Capital On Tap need a personal guarantee?
Yes. Capital On Tap requires a personal guarantee from a director or major shareholder on every account. It's mandatory and there is no guarantee-free version — but it only comes into effect if the business cannot repay what it owes.
Why do some lenders ask for a personal guarantee?
A limited company is a separate legal entity, so a personal guarantee reduces the lender's risk by making a director personally responsible if the business can't repay. Because business credit cards are unsecured, most lenders — Capital On Tap included — require one.
What is the best instant approval business credit card in the UK?
There's no single winner for everyone, but among fast-decision options Capital On Tap is our top pick for combining speed with rewards: a typically 2-minute decision, a virtual card on approval, 1% unlimited cashback, no annual fee, and a 7,500-point (£75) bonus with code 2REFY893A52.
Is instant approval guaranteed?
No. 'Instant approval' refers to a fast automated decision, not guaranteed acceptance. Your application is still assessed against the lender's criteria, including turnover, trading history and credit profile.
Which UK business cards let me spend immediately?
Cards that issue a virtual card on approval let you spend before the physical card arrives. Capital On Tap typically does this, so most approved applicants can pay via Apple Pay, Google Pay or online straight away.
Will comparing or applying hurt my credit score?
Capital On Tap says it makes an initial soft search on the applicant's personal credit file, which does not affect their score, and a hard search on the business file once the credit agreement is signed. Other providers vary, so check each one's current process.
How do I get the £75 welcome bonus?
Eligible applicants who are approved may receive 7,500 points worth £75 in cashback after a qualifying first transaction with referral code 2REFY893A52, subject to current offer terms.
What is the best no annual fee business credit card in the UK?
The best choice depends on your spend, but Capital On Tap is a leading no-annual-fee option: £0 annual fee on the core card, 1% unlimited cashback, limits up to £250,000, free employee cards, and a 7,500-point (£75) bonus with code 2REFY893A52.
Does Capital On Tap charge an annual fee?
The core Capital On Tap business card has no annual fee. There is a separate Rewards card with an annual fee that earns enhanced rewards, but the standard card is £0 per year.
Is a no annual fee card always the best value?
Not always. A £0 fee is great, but a card with a small fee and much higher rewards can sometimes earn you more overall. Compare the fee against the cashback and benefits for your level of spend.
How do I claim the welcome bonus?
Eligible applicants who are approved may receive 7,500 points worth £75 in cashback after a qualifying first transaction with referral code 2REFY893A52, subject to current offer terms.
Which UK business credit card has the highest limit?
Limits vary by business, but Capital On Tap is among the highest available to UK SMEs, offering up to £250,000 for eligible businesses based on turnover, trading history and credit profile.
What credit limit will I get with Capital On Tap?
Limits range from £2,000 to £250,000. Most new approvals start between roughly £5,000 and £25,000, with reviews that can increase your limit over time as your account history builds.
How can I increase my business credit limit?
Keep accurate records, show steady or growing turnover, manage existing credit responsibly, and use the card actively while paying it off. You can then request a limit review as your history develops.
Can I pay my VAT bill with a credit card?
Not with a personal credit card — HMRC stopped accepting those in January 2018. You can pay VAT with a corporate (commercial) credit card, but HMRC charges a non-refundable fee. Many UK limited companies instead earn 1% cashback on expenses with a card like Capital On Tap and pay VAT directly by bank transfer.
Does HMRC charge a fee for card payments?
Personal debit cards are free. Corporate debit and corporate credit cards carry a non-refundable processing fee that HMRC recalculates periodically. Personal credit cards are not accepted at all.
What is the best business credit card for managing tax cashflow?
For UK limited companies, Capital On Tap is a strong choice: 1% unlimited cashback, no annual fee, 0% FX fees and limits up to £250,000. Apply with code 2REFY893A52 to also receive a £75 welcome bonus after your first transaction.
What is the VAT registration threshold in the UK?
As of April 2024 the VAT registration threshold is £90,000 of taxable turnover in a rolling 12-month period. Once registered, most businesses file VAT returns quarterly.
Can a business credit card help with VAT bills?
Yes, indirectly. Putting expenses on a card with an interest-free period keeps cash in the business to cover your VAT bill, while earning cashback. Capital On Tap offers 1% cashback and Xero integration to keep MTD-ready records.
Does Capital On Tap work with Making Tax Digital?
Capital On Tap integrates with Xero, so transactions feed into MTD-compatible software automatically, helping VAT-registered limited companies meet digital record-keeping rules. New customers can use code 2REFY893A52 for a £75 bonus.
Is Making Tax Digital mandatory for limited companies?
MTD for VAT is mandatory for all VAT-registered businesses, including limited companies. MTD for Corporation Tax is on HMRC's roadmap but not yet mandated. Keeping digital records now via connected software puts you ahead.
Which business credit card integrates with Xero?
Capital On Tap integrates directly with Xero, feeding card transactions into your accounts automatically — ideal for MTD compliance. New customers can apply with code 2REFY893A52 for a £75 bonus.
Does a connected credit card really save time on tax?
Yes. Automatic transaction feeds remove manual data entry and reduce errors, making VAT returns and year-end accounts far faster. Combined with 1% cashback, the card pays you while keeping you compliant.
What is the best business credit card for a construction company?
For UK construction limited companies, Capital On Tap is a strong fit: 1% cashback on materials and fuel, 0% FX fees on imported tools, free employee cards for site teams, and limits up to £250,000. Apply with code 2REFY893A52 for a £75 bonus.
Can a business credit card help with CIS cashflow?
Yes. The interest-free period lets you buy materials and pay your team upfront, then settle once clients pay — bridging the cashflow gaps that CIS deductions and slow payment create.
Can I give my site team their own cards?
Capital On Tap provides free employee cards with individual spending limits and real-time visibility, so buyers and site managers can pay for materials directly without using personal cards.
What is the best business credit card for Amazon FBA sellers in the UK?
For UK limited company sellers, Capital On Tap stands out: 0% FX fees on overseas stock, 1% cashback on ad spend, instant virtual cards and limits up to £250,000. Apply with code 2REFY893A52 for a £75 bonus.
How do I avoid foreign transaction fees buying stock from overseas?
Capital On Tap currently advertises no FX fees on its standard business card. Check the card agreement for the exchange-rate method and terms that apply to your account.
Can a credit card help with marketplace payout delays?
Yes. The interest-free period lets you buy stock and run ads now, then repay when Amazon, eBay or Etsy pays out — bridging the gap so you can keep scaling.
What is the best business credit card for a company director?
For UK limited company directors, Capital On Tap is a leading choice: no annual fee, 1% unlimited cashback, 0% FX fees, limits up to £250,000 and instant approval. Apply with code 2REFY893A52 for a £75 welcome bonus.
Do business credit cards require a personal guarantee?
Requirements vary by card and agreement. Capital On Tap's current application information says it makes an initial soft search on the applicant's personal credit file and a hard search on the business file once the credit agreement is signed. Check the guarantee and card terms for personal-liability details.
Can I get employee cards as a director?
Yes. Capital On Tap provides free employee cards with individual spending limits and real-time visibility, so you stay in control of all company spending.
Is this an Amazon employee credit card?
No. This is a guide to business credit cards for eligible UK delivery companies. Amazon and Tap on Deals are separate from Capital On Tap, and the card is not an employment benefit or an Amazon endorsement.
Can any Amazon delivery driver apply?
No. The relevant applicant is an eligible UK company and its authorised director or representative. A delivery role or contract by itself does not guarantee eligibility or approval.
What should a delivery company put on a business card?
Use it only for permitted company expenses such as fuel, charging, repairs, tyres, software and approved equipment. Check supplier arrangements, company policy and accounting treatment before charging a cost.
Does the Amazon delivery company have to be approved?
Yes. The company must meet Capital On Tap’s current eligibility criteria and the application must be approved. Using a referral code does not guarantee acceptance or a particular credit limit.
When are the 7,500 points worth £75 earned?
The reward is conditional on the first qualifying card transaction. The qualifying definition, timing and redemption rules are controlled by Capital On Tap’s current referral programme, so check the lender’s confirmation.
Is Capital On Tap affiliated with Amazon?
This guide does not represent an Amazon affiliation or endorsement. Capital On Tap’s card and referral programme are separate from any Amazon delivery contract or employment arrangement.
What is the best business credit card for Amazon delivery drivers?
For an Amazon delivery operation run through an eligible UK company, Capital On Tap is worth comparing for 1% unlimited cashback-equivalent rewards, no annual fee and employee-card controls. Approval and final terms are determined by Capital On Tap.
Can an Amazon delivery driver earn cashback on fuel?
An eligible company may earn rewards on permitted fuel spending made with its business card, subject to the card’s current terms. Keep the spending in the company workflow and repay the balance according to plan.
Can I give Amazon delivery drivers their own company cards?
A business may issue employee cards with individual spending limits where the product and company policy allow it. Set clear fuel, receipt and merchant rules so the company retains control of driver spending.
Can a self-employed Amazon delivery driver apply?
You may be able to apply if your delivery business operates through an eligible UK Ltd, LLP or PLC and you are the authorised director or representative. Capital On Tap assesses the company application, not simply the driver’s self-employed status. Applying personally without an eligible company does not establish eligibility; check the lender’s current criteria.
Does the referrer get paid too?
The applicant may receive 7,500 points worth £75 in cashback after a qualifying first transaction, subject to eligibility, approval and current offer terms. Any reward for the referrer is subject to separate referrer conditions.
Do I have to spend a minimum amount to get the bonus?
Check the current offer terms for what counts as a qualifying first transaction. The offer is subject to eligibility and approval.
Is there a Capital On Tap discount code?
No. Capital On Tap has no annual or membership fee to discount, so there's no percentage-off voucher. The genuine saving is the 7,500-point (£75) welcome bonus via referral code 2REFY893A52.
How much can I actually save?
The issuer advertises no annual or FX fees on its standard card. A 7,500-point welcome reward worth £75 as cashback may be available to eligible applicants who meet the current offer terms.
Do I need to give anyone my bank details to use the code?
Never. A referral code is simply text entered on the application form. If any site asks for bank logins or a fee to 'unlock' a Capital On Tap bonus, it's not legitimate.
Does Capital On Tap have Section 75 protection?
No. Section 75 only applies to consumer credit cards under the Consumer Credit Act 1974. Capital On Tap is a business credit card and is exempt. You have Visa chargeback rights instead.
How do I dispute a transaction on Capital On Tap?
Log in to the Capital On Tap app or portal, find the transaction, and select 'Dispute this transaction'. Submit evidence and raise the dispute within 120 days of the transaction date.
Is Visa chargeback as good as Section 75?
No — Section 75 is a statutory right making Capital On Tap jointly liable with the merchant. Chargeback is a Visa scheme rule, giving less certainty, but it still works well for non-delivery and fraud cases.
Does Capital On Tap integrate with Sage?
Not natively via a plug-and-play plugin. Sage Accounting users can connect via open banking bank feed. Sage 50 users can export a CSV from the Capital On Tap portal and import it manually.
Can I connect Capital On Tap to Sage 50?
Sage 50 does not support open banking bank feeds for all providers. The most reliable method is a monthly CSV export from Capital On Tap and import into Sage 50's bank statement import wizard.
Does Capital On Tap support open banking?
Yes. Capital On Tap is FCA-regulated and supports Open Banking, which enables bank feed connections in Sage Accounting, Xero, QuickBooks, and other cloud accounting platforms.
How do I dispute a charge on Capital On Tap?
Log in to app.capitalontap.com, find the transaction, and select 'Dispute this transaction'. Upload your evidence and submit. You must do this within 120 days of the transaction date.
Can Capital On Tap reject my chargeback?
Yes — Capital On Tap can decline a chargeback if it falls outside Visa's scheme rules, or if the merchant successfully contests it with evidence. You can escalate to the Financial Ombudsman Service if you disagree with the outcome.
Which is better — Capital On Tap or Cashplus?
Capital On Tap may suit eligible UK companies seeking a revolving credit card and rewards; the issuer advertises 1% cashback on card spend and no annual or FX fees on its standard card. Cashplus may suit sole traders or businesses seeking a different product; compare current eligibility and terms.
Does Cashplus offer cashback?
Not flat-rate cashback. Cashplus has a merchant offers rewards programme, but no automatic 1% back on all spend like Capital On Tap.
Can sole traders get Capital On Tap?
No — Capital On Tap requires a UK Private Limited Company, LLP, or PLC. Sole traders should look at Cashplus, Tide, or a personal credit card for business use.
How many employee cards can I have on Capital On Tap?
Capital On Tap does not publish a hard cap on additional cardholders. In practice, most businesses add up to 5–10 employee cards. Each card is free and shares the main credit limit.
Can I set a spending limit for each employee card?
Yes. In the Capital On Tap app, go to Cards → select the employee card → set a monthly spending limit. You can update or remove limits at any time.
Do employee cards earn cashback?
Yes — all spend on additional employee cards earns the same 1% cashback as the main card. The rewards are credited to the primary account holder.
Does Capital On Tap integrate with QuickBooks?
Yes — Capital On Tap has a native QuickBooks Online integration. Go to Settings → Integrations → QuickBooks in the Capital On Tap portal to connect. Transactions sync daily.
Why aren't my Capital On Tap transactions showing in QuickBooks?
The most common cause is an expired QuickBooks authorisation token. Go to Settings → Integrations in Capital On Tap and click Reconnect to re-authorise. Also check your QuickBooks subscription is active.
Does the Capital On Tap QuickBooks integration work with QuickBooks Desktop?
No — the native integration only supports QuickBooks Online (QBO). QuickBooks Desktop users should use a CSV export from Capital On Tap and import it manually.
Can I transfer a balance to Capital On Tap?
No — Capital On Tap does not accept balance transfers from other credit cards. Business balance transfers are extremely rare in the UK market.
Does Capital On Tap have a 0% purchase period?
No. There is no introductory 0% interest period. Interest accrues at the standard APR from the statement date if you don't pay in full.
What's the best way to consolidate UK business credit card debt?
A business overdraft or business loan typically offers lower rates than credit card APRs. Speak to your bank or a business finance broker about consolidation options.
Is ANNA Money a credit card?
No — ANNA Money is a prepaid business debit card linked to a business bank account. You can only spend money you've deposited. Capital On Tap is a true credit card with a revolving credit facility.
Does ANNA Money offer cashback?
No. ANNA does not offer flat-rate cashback on card spend. Capital On Tap gives 1% cashback on all purchases.
Which company types can apply for Capital On Tap?
Capital On Tap's UK business card is aimed at eligible UK Ltd companies, LLPs and PLCs registered with Companies House. The company and applicant must also pass Capital On Tap's normal checks.
What happens after I am approved?
Activate the card, read the live welcome-offer conditions, and complete a qualifying first transaction. Keep your application confirmation and transaction record until the points or cashback have been credited.
How long do I have to make the first transaction?
Complete a qualifying first transaction under the terms in your offer confirmation. No 30-day applicant deadline after approval is stated here; check the current terms because offer conditions can change.
Can I apply again if the Capital On Tap code did not work?
Contact Capital On Tap first. A second application can create duplicate records and will not necessarily add a missing referral code or welcome reward to the original application.