Is the Capital On Tap referral code 2REFY893A52 still working in 2026?

Yes. The Capital On Tap referral code 2REFY893A52 is verified and active as of May 2026. New UK Limited Company and LLP applicants can use it to claim the 7,500-point welcome bonus.

How much is the Capital On Tap welcome bonus worth?

The Capital On Tap welcome bonus with code 2REFY893A52 is 7,500 points, worth £75 in cashback (or 7,500 Avios if you choose to transfer to British Airways Executive Club).

Where do I enter the referral code 2REFY893A52?

Apply via the referral link on tapondeals.co.uk and the code 2REFY893A52 is added automatically. If you reach the standard Capital On Tap application page another way, paste 2REFY893A52 into the 'Referral Code' field before submitting.

Can existing Capital On Tap customers use the referral code?

No. Capital On Tap referral codes are for new customers only. Existing cardholders cannot apply 2REFY893A52 retroactively to their account.

What is the Capital On Tap interest rate (APR) in 2026?

Capital On Tap's representative APR is 35.49% (variable) for the standard Business Credit Card as of 2026. The Business Rewards Card representative APR is 30.94% (variable). Pay your statement balance in full each month and you pay 0% interest on purchases.

How long does Capital On Tap take to approve an application?

Most Capital On Tap applications receive an instant decision in under 2 minutes via a soft credit check. If your application needs manual review, the team typically responds within 1 business day. Approved applicants get a virtual card immediately and the physical card by post within 5 working days.

Does Capital On Tap charge foreign transaction (FX) fees?

No. Capital On Tap charges 0% FX fees on EUR and USD transactions, which is rare among UK business credit cards (Amex Business Gold charges around 2.99%). For other currencies, the standard Visa exchange rate applies with no Capital On Tap markup.

Is Capital On Tap a Visa or a Mastercard?

Capital On Tap is a Visa business credit card, accepted at over 80 million merchants in 200+ countries on the Visa network.

What credit limit can I get with Capital On Tap?

Capital On Tap offers credit limits from £2,000 up to £250,000, decided based on your business turnover, trading history, and credit profile. Most new approvals start between £5,000 and £25,000, with limit increases reviewed every 4-6 months of healthy use.

Is Capital On Tap regulated and safe?

Yes. Capital On Tap Ltd is authorised and regulated by the Financial Conduct Authority (FCA reference 752622) and is a registered UK company (Company number 07404341, registered in England). It serves over 200,000 UK business customers and holds a 4.8/5 'Excellent' Trustpilot rating from 12,500+ reviews.

Capital On Tap business credit card with referral code 2REFY893A52 for £75 free welcome bonus

Verified May 2026

Get £75 free with Capital On Tap

Use promo code 2REFY893A52 during sign-up. Receive 7,500 bonus points after your first transaction. No annual fee.

2REFY893A52

Claim Your £75 →

£75Bonus

7,500Points

1%Cashback

£0Annual Fee

The Capital on Tap promo code for 2026 is 2REFY893A52. Enter this code during sign-up to receive 7,500 points worth £75 after your first transaction. Capital on Tap is a UK business credit card with no annual fee, unlimited 1% cashback on all spending, and credit limits up to £250,000. The card is issued by Visa and regulated by the Financial Conduct Authority (FCA). Over 200,000 UK businesses use Capital on Tap, and it holds a 4.8/5 rating on Trustpilot.

3 SIMPLE STEPS

Claim your bonus in under 5 minutes

No complex hurdles. A straightforward application that takes less than two minutes.

Copy the code
Copy referral code 2REFY893A52 to your clipboard.
Apply online
Visit Capital On Tap, complete the 2-minute application and paste the promo code.
Make a purchase
Use your instant virtual card for any business purchase. £75 credited automatically.

FOUNDER'S NOTE

Why I built this page

"I've used Capital On Tap as my business card for over three years. The 1% uncapped cashback and the Xero feed are what keep me on it. Your mileage will vary — read the comparison and the FAQ before deciding if it fits your business."

Afshin — Founder, Tap on Deals

WHY CAPITAL ON TAP

Built for ambitious businesses

Beyond the £75 bonus — a comprehensive suite of financial tools trusted by 200,000+ UK businesses.

No Annual Fee

Zero hidden charges, forever.

1% Cashback

Unlimited, uncapped on every transaction.

Xero & Sage Sync

Native accounting integrations.

Up to £250K

Credit limits that scale with you.

Instant Virtual Card

Start spending immediately.

Free Team Cards

Unlimited employee cards.

FCA Regulated

Full UK financial regulation.

Global Acceptance

Visa network worldwide.

COMPARISON

How Capital On Tap compares

See why Capital On Tap is the preferred choice for UK businesses in 2026.

Feature	Capital On Tap	Typical Competitor
Annual Fee	£0	£32 – £150
Cashback Rate	1% unlimited	0.5% – 1% capped
Credit Limit	Up to £250,000	Up to £50,000
Virtual Card	Instant on approval	5–7 working days
Employee Cards	Unlimited, free	Limited or paid
Accounting	Xero, Sage, FreeAgent	Limited or none
Eligibility Check	Soft search only	Often hard search
Trustpilot	4.8/5 Excellent (12,500+ reviews)	Varies by card
Sign-Up Bonus	7,500 points (£75)	None or lower

DEEP DIVE

Why businesses choose Capital On Tap in 2026

Designed for UK limited companies, LLPs and PLCs

Capital On Tap is available to UK Limited Companies (Ltd), Limited Liability Partnerships (LLP) and Public Limited Companies (PLC) that are active on Companies House. Sole traders, ordinary partnerships, charities and non-profits are not eligible. The application takes under 2 minutes with just basic business details required.

Real cashback that adds up

Unlike cards that cap rewards, Capital On Tap's 1% cashback is unlimited and automatic. On £100,000 annual spend, that's £1,000 back into your business — plus your initial £75 sign-up bonus.

Seamless accounting integration

Capital On Tap connects directly with Xero, FreeAgent, and Sage, automatically categorising and syncing transactions. No more manual expense entry or receipt chasing.

Regulated and trusted by 200,000+ businesses

Capital On Tap is authorised and regulated by the Financial Conduct Authority (FCA). With a 4.8/5 Excellent rating on Trustpilot and over 200,000 active UK business customers, it's one of the most trusted fintech providers in the country.

FAQ

Frequently asked questions

What is the Capital On Tap promo code for May 2026?: The Capital On Tap promo code for May 2026 is 2REFY893A52. Enter this referral code during your application to receive 7,500 points — worth £75 — credited to your account after your first card transaction within 30 days.
How do I claim the 7,500 points (£75) bonus?: Copy the code 2REFY893A52 from this page, click the referral link to start your Capital On Tap application, enter 2REFY893A52 in the 'Referral Code' field, get approved, and make your first card transaction within 30 days.
Who is eligible for Capital On Tap?: Capital On Tap is open to UK Limited Companies (Ltd), Limited Liability Partnerships (LLP) and Public Limited Companies (PLC) that are active on Companies House. Sole traders, ordinary partnerships, charities and non-profits are not eligible. You need to be a director or majority shareholder, have £24,000+ annual turnover (~£2,000/month), and have no unsatisfied CCJs in the last 12 months. Capital On Tap does not publish a minimum trading-period requirement.
Does applying affect my credit score?: Checking eligibility uses only a soft credit search with no impact on your score. A hard search is only conducted if you formally apply.
When are the 7,500 points credited?: Typically within a few business days of making your first qualifying card transaction.
Can sole traders apply?: No. Capital On Tap is restricted to UK Ltd, LLP and PLC businesses. Sole traders are not eligible — alternatives include American Express Business Gold, Barclaycard Select Cashback and Tide Business Credit. To use Capital On Tap, sole traders can incorporate as a Limited Company first and then apply once the company has £24,000+ annual turnover.
What can I do with the 7,500 points?: The 7,500 points are worth £75 in cashback applied directly to your balance, or can be redeemed for travel rewards.
How does Capital On Tap compare to other business credit cards?: Capital On Tap stands out with no annual fee, unlimited 1% cashback, credit limits up to £250,000, instant virtual card, free employee cards, and Xero/Sage integrations. It holds a 4.8/5 Trustpilot rating from 12,500+ reviews, which is high for the UK SME credit-card category.
Is Capital On Tap regulated and safe?: Yes. Capital On Tap is authorised and regulated by the Financial Conduct Authority (FCA) with over 200,000 UK business customers and a 4.8/5 Trustpilot rating.

Get your £75 bonus today

Apply with code 2REFY893A52. No annual fees. Soft credit check only. Takes 2 minutes.