Can I use both Revolut Business and Capital On Tap?

Yes, and many do. Revolut Business as the multi-currency bank account + FX tool, Capital On Tap as the credit card for revolving credit and rewards. The two complement each other perfectly.

Does Revolut offer 1% cashback like Capital On Tap?

Revolut's cashback is limited to premium subscription tiers and capped per month. Capital On Tap gives 1% on every transaction with no cap and no fee.

Independent comparison · May 2026

Capital On Tap vs Revolut Business (2026)

Revolut Business is famous for multi-currency accounts and interbank FX rates. But Revolut's card is a prepaid / debit Visa, not a credit card. Capital On Tap is a true credit card with rewards. Here's how to choose — or use both.

Side-by-side specification

	Capital On Tap	Revolut Business
Annual fee	£0 (Business) / £99 (Rewards)	From £0 (Basic) up to £79/month (Enterprise)
Rewards	1 point per £1 (= 1% cashback or 1 Avios 1:1)	Limited cashback on top tiers only
Foreign-exchange fee	0% FX fees worldwide	0% up to monthly tier limit, then 0.6%
Credit limit	Up to £250,000	N/A — debit/prepaid
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 Companies House registration
Representative APR	34.65% representative variable	N/A — no credit
Application	~2 minutes, soft credit check first	In-app, instant
Card type	Visa Business credit card	Visa debit (prepaid)

Where Capital On Tap wins

✓ True credit — ~50 days interest-free, helps with cashflow
✓ Higher credit line (£250k vs Revolut's £0 credit)
✓ 1% flat cashback on every transaction (Revolut Basic gives nothing)
✓ £75 welcome bonus with code 2REFY893A52
✓ No subscription fees on the Business card
✓ Builds business credit history (Revolut debit does not)

Where Revolut Business wins

✓ Multi-currency accounts — hold balances in 25+ currencies
✓ Interbank exchange rates on FX up to monthly limit
✓ Built-in invoicing, expenses and payroll tools
✓ International incoming wire transfers cheap and fast

Who should pick which

Pick Capital On Tap if

You need a credit card with revolving credit, rewards, and a £75 bonus. You may already use a UK bank account.

Pick Revolut Business if

You need to hold and transact in multiple currencies, want all-in-one banking and invoicing, and don't need credit (or pair with Capital On Tap for credit).

FAQs: Capital On Tap vs Revolut Business

Can I use both Revolut Business and Capital On Tap?: Yes, and many do. Revolut Business as the multi-currency bank account + FX tool, Capital On Tap as the credit card for revolving credit and rewards. The two complement each other perfectly.
Does Revolut offer 1% cashback like Capital On Tap?: Revolut's cashback is limited to premium subscription tiers and capped per month. Capital On Tap gives 1% on every transaction with no cap and no fee.