Is Juni's 2% better than Capital On Tap's 1%?

Only on Juni's higher subscription tiers — once you factor in the monthly platform fee, Capital On Tap's flat 1% with no fee often wins for businesses under £25k/month spend.

Yes. Use Capital On Tap as the always-free baseline credit card and Juni as the ecommerce-specialised tool if your volume justifies it.

Independent comparison · May 2026

Capital On Tap vs Juni (2026)

Juni is a financial platform built for digital businesses (ecommerce, agencies) with multi-currency accounts, ad-spend financing and Visa cards. Capital On Tap is a general UK business credit card. Here's the side-by-side for online businesses.

Side-by-side specification

	Capital On Tap	Juni
Annual fee	£0 (Business) / £99 (Rewards)	From £0 to subscription tiers
Rewards	1 point per £1 (= 1% cashback or 1 Avios 1:1)	Up to 2% cashback on tiers (varies by plan)
Foreign-exchange fee	0% FX fees worldwide	Low — multi-currency wallet
Credit limit	Up to £250,000	Ad-spend financing available
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/EU digital businesses
Representative APR	34.65% representative variable	Varies on financing
Application	~2 minutes, soft credit check first	Online, business verification
Card type	Visa Business credit card	Visa Business + multi-currency

Where Capital On Tap wins

✓ Free (no subscription tiers)
✓ Simpler product — credit card, not platform
✓ £75 welcome bonus with code 2REFY893A52
✓ Faster application (~2 min)
✓ Higher general credit line (£250k)
✓ Works for any business sector, not just digital

Where Juni wins

✓ Purpose-built for ecommerce — Stripe/Shopify integrations
✓ Up to 2% cashback on top tiers (vs Capital On Tap's flat 1%)
✓ Multi-currency wallets for receiving in USD/EUR
✓ Dedicated ad-spend financing

Who should pick which

Pick Capital On Tap if

You want a free general business credit card with rewards, simple application, and the welcome bonus.

Pick Juni if

You're a high-volume ecommerce brand and the platform features (multi-currency wallets, ad-spend financing, ecommerce integrations) justify the subscription.

FAQs: Capital On Tap vs Juni

Is Juni's 2% better than Capital On Tap's 1%?: Only on Juni's higher subscription tiers — once you factor in the monthly platform fee, Capital On Tap's flat 1% with no fee often wins for businesses under £25k/month spend.
Can I have both?: Yes. Use Capital On Tap as the always-free baseline credit card and Juni as the ecommerce-specialised tool if your volume justifies it.