Can I have both Tide and Capital On Tap?

Yes. Many UK Ltd companies use Tide for business banking and Capital On Tap for their credit card. The two products complement each other — Tide handles bank account + invoicing, Capital On Tap handles credit + rewards + FX.

Does Tide give cashback like Capital On Tap?

No. Tide Business Credit does not pay any cashback or points. Capital On Tap pays 1 point per £1 — redeemable as cashback or Avios. On £50,000/yr spend that's a £500/year difference.

Independent comparison · May 2026

Capital On Tap vs Tide Business Credit (2026)

Tide is a digital business bank popular with sole traders and new Ltd companies. Tide Business Credit is its credit-line product. Capital On Tap is a dedicated business credit card. Different products — here's when each is the right choice.

Side-by-side specification

	Capital On Tap	Tide
Annual fee	£0 (Business) / £99 (Rewards)	£0 (subscription fees apply on Tide bank tier)
Rewards	1 point per £1 (= 1% cashback or 1 Avios 1:1)	No rewards or cashback
Foreign-exchange fee	0% FX fees worldwide	Varies (Tide bank-account FX fees apply)
Credit limit	Up to £250,000	Up to £15,000 typically
Eligibility	UK Ltd / LLP / PLC, £24k+/yr turnover, no unsatisfied CCJs (last 12 months). Sole traders not eligible. No published minimum trading-period rule.	Tide business banking customer; turnover and trading history considered
Representative APR	34.65% representative variable	Varies (case-by-case quote)
Application	~2 minutes, soft credit check first	In-app, soft search
Card type	Visa Business credit card	Credit line (no physical credit card)

Where Capital On Tap wins

✓ Actual credit card you can use anywhere Visa is accepted
✓ 1% cashback on every transaction — Tide pays nothing
✓ 0% FX fees — useful for any business with international suppliers
✓ Higher credit limits (£250k vs Tide's typical £15k)
✓ £75 welcome bonus with code 2REFY893A52
✓ Independent of any bank — works alongside any business bank account

Where Tide wins

✓ Integrated into the Tide app you may already use
✓ Available to some businesses that don't yet meet Capital On Tap's £24k turnover threshold
✓ Useful as a flexible short-term overdraft replacement
✓ Works for sole traders (Capital On Tap does not)

Who should pick which

Pick Capital On Tap if

You want a proper business credit card with rewards, 0% FX, ~50 days interest-free, and high limits. You're a UK Ltd/LLP/PLC with £24k+/yr turnover.

Pick Tide if

You're a sole trader (Capital On Tap doesn't accept sole traders), you're an existing Tide customer, or you need short-term flexible credit rather than a card.

FAQs: Capital On Tap vs Tide

Can I have both Tide and Capital On Tap?: Yes. Many UK Ltd companies use Tide for business banking and Capital On Tap for their credit card. The two products complement each other — Tide handles bank account + invoicing, Capital On Tap handles credit + rewards + FX.
Does Tide give cashback like Capital On Tap?: No. Tide Business Credit does not pay any cashback or points. Capital On Tap pays 1 point per £1 — redeemable as cashback or Avios. On £50,000/yr spend that's a £500/year difference.