Should I use Capital On Tap for fuel?

You can — and you'll earn 1% cashback on fuel spend. The downside is you'll need to handle VAT receipts manually. For larger fleets (5+ vehicles), Allstar's automation usually wins on admin time even though Capital On Tap pays better per-transaction.

Can I have both cards?

Yes — most fleet businesses do. Allstar for fuel and fleet maintenance, Capital On Tap for everything else.

Independent comparison · May 2026

Capital On Tap vs Allstar Business Card (2026)

Allstar is a fuel-and-fleet card accepted at 90%+ of UK fuel stations with VAT-receipt automation. Capital On Tap is a general business credit card. They serve very different needs — most fleet businesses want both.

Side-by-side specification

	Capital On Tap	Allstar
Annual fee	£0 (Business) / £99 (Rewards)	From ~£36/year per card + 0.5-1% transaction fee
Rewards	1 point per £1 (= 1% cashback or 1 Avios 1:1)	No cashback (rebate negotiated separately on fuel tier)
Foreign-exchange fee	0% FX fees worldwide	N/A — UK fuel only
Credit limit	Up to £250,000	Per-vehicle credit lines
Eligibility	UK Ltd / LLP / PLC, £24k+/yr turnover, no unsatisfied CCJs (last 12 months). Sole traders not eligible. No published minimum trading-period rule.	UK businesses with vehicles
Representative APR	34.65% representative variable	Statement basis, varies
Application	~2 minutes, soft credit check first	5-10 minutes
Card type	Visa Business credit card	Fuel-and-fleet card (Visa/MasterCard)

Where Capital On Tap wins

✓ 1% cashback on every transaction (Allstar's general spend earns nothing)
✓ Accepted everywhere Visa is — not just fuel stations
✓ £75 welcome bonus with code 2REFY893A52
✓ 0% FX for any overseas spend
✓ No per-card annual fee
✓ Higher credit limit (£250k vs per-vehicle line)

Where Allstar wins

✓ VAT-receipt automation — fuel receipts auto-generated and HMRC-compliant
✓ Per-driver / per-vehicle reporting baked in
✓ Accepted at ~90% of UK fuel sites including motorway services
✓ Fuel-tier discounts negotiated by site

Who should pick which

Pick Capital On Tap if

Your business spend isn't dominated by fleet fuel — you spend on suppliers, software, travel, marketing.

Pick Allstar if

You run a UK fleet and the admin saving on HMRC-compliant VAT receipts alone justifies the card fee.

FAQs: Capital On Tap vs Allstar

Should I use Capital On Tap for fuel?: You can — and you'll earn 1% cashback on fuel spend. The downside is you'll need to handle VAT receipts manually. For larger fleets (5+ vehicles), Allstar's automation usually wins on admin time even though Capital On Tap pays better per-transaction.
Can I have both cards?: Yes — most fleet businesses do. Allstar for fuel and fleet maintenance, Capital On Tap for everything else.