Uncapped 1% cashback
Earn on everyday business spend — stock, fuel, utilities, marketing — and take it as cash, a balance credit, gift cards or travel points.
Business Credit Card · with Capital on Tap
Turn business costs into rewards
The Capital on Tap business credit card gives you uncapped 1% cashback on card spend, up to 42 days interest-free and unlimited free cards for your team — with no annual fee on the Free plan.
Applying won't affect your credit score. See if you're approved with a soft search.* *Subject to eligibility criteria. A visible mark will be made on your commercial file when you sign your credit agreement.
1%uncapped cashback
42 daysinterest-free, up to
Up to 42 days interest-free
Pay 0% interest on card purchases when you repay your balance in full — a simple way to smooth out cash flow.
Free cards for your team
Unlimited physical and virtual cards with individual spend limits — no more out-of-pocket expense claims.
Built for business spending
One card. Full control.
Manage every card from the app or web portal, see transactions as they happen and keep your accounts tidy without the paperwork.
- Credit limits up to £250,000, subject to status
- No foreign exchange fees and no UK ATM fees
- Set spend limits, freeze cards and get instant notifications
- Receipt upload & feeds into Xero, QuickBooks and Sage
- Add cards to Apple Pay and Google Pay once approved
- 24/7 UK-based customer support
Team cardsLive
Office suppliesVirtual card · Sarah
£84.20FuelPhysical card · Tom
£62.00Stock orderMain card
£1,240.00Monthly limit · Tom£380 of £1,000 used
Illustrative example only
Choose your plan
Free or Pro
You choose your plan with Capital on Tap after you're approved.
£0/year
No annual fee
- Uncapped 1% cashback on all card spend
- Up to 42 days interest-free
- Unlimited free physical & virtual employee cards
- No foreign exchange fees
- Redeem points for cash, balance credit, gift cards, Avios, Virgin Points or Radisson Rewards
- 24/7 UK customer support
Pro
£299/year
Everything in Free, plus:
- 1.25% cashback on preloaded spend
- 10,000 bonus points when you spend £5,000 in your first 3 months
- Unlimited access to 1,600+ airport lounges for the main cardholder, plus 2 free guest passes a year
- Enhanced Avios and Virgin Points conversion
- Complimentary Radisson Rewards VIP status
- Complimentary digital subscription to The Times
- Premium metal card
Rewards, plan prices and partner benefits are set by Capital on Tap and may change. Full terms are shown by Capital on Tap before you sign.
Who can apply?
No minimum turnover and no minimum trading history — new businesses are welcome.
You'll need
- A UK-registered limited company (Ltd), LLP or PLC, listed as active on Companies House
- To be an active director, or a shareholder with 25%+ ownership, living in the UK
- No unsatisfied CCJs against you or the business in the last 12 months
Good to know
- Sole traders and partnerships can't apply
- Some industries are restricted, such as gambling, adult entertainment and weapons
- A personal guarantee is required when you accept your credit agreement
- Capital on Tap makes the lending decision and contacts you directly
How it works
Apply online in a few minutes, or let us help you through it.
- 1
Apply
Share your business details, personal details and contact information — online through our link, or with our team's help.
- 2
Get a decision
Capital on Tap checks eligibility with a soft search and tells you the outcome directly.
- 3
Set up & spend
Accept your agreement, verify your ID and choose Free or Pro. Virtual cards are ready to use straight away.
FAQ
Things people ask before they switch
Everything you need to know about setup, pricing and how PayZu works day to day.
Talk to our teamWho can apply for the business credit card?
UK-registered limited companies (Ltd), LLPs and PLCs that are active on Companies House. You must be an active director, or a shareholder with 25%+ ownership, living in the UK, with no unsatisfied CCJs against you or the business in the last 12 months. There's no minimum turnover or trading history. Sole traders and partnerships can't apply.
Will applying affect my credit score?
Applying won't affect your credit score. Capital on Tap checks whether you're approved with a soft search (subject to eligibility criteria). A visible mark will be made on your commercial file when you sign your credit agreement.
How much credit can I get?
Credit limits go up to £250,000, subject to status. You can also preload your own funds onto the account to spend on the card.
How does the interest-free period work?
You get up to 42 days interest-free on card purchases when you repay your balance in full each month.
What's the difference between Free and Pro?
Free has no annual fee and gives uncapped 1% cashback. Pro is £299 a year and adds 1.25% cashback on preloaded spend, 10,000 bonus points when you spend £5,000 in your first 3 months, airport lounge access, a metal card and more. You choose your plan after you're approved.
Is PayZu the lender?
No. The card is provided by Capital on Tap, which makes all lending decisions. PayZu is an introducer and may receive a commission if your application is successful.
Credit is subject to status and eligibility. Business use only. A personal guarantee is required. Up to 42 days interest-free applies to card purchases when the balance is repaid in full each month.
Capital on Tap is a trading name of New Wave Capital Limited, registered in England and Wales (No. 07959823). Capital on Tap is authorised and regulated by the Financial Conduct Authority (firm reference number 625592 in respect of consumer credit activities) and is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (firm reference 900922) for the issuing of electronic money.
PayZu is a trading name of UConneQT Ltd. PayZu is an introducer, not a lender. We introduce businesses to Capital on Tap and may receive a commission if an application is successful. Capital on Tap makes all lending decisions.
Get help applying
Want a hand with your application?
Leave your details and one of our team will call you to answer questions and help you apply for the Capital on Tap business credit card.
- Free plan with no annual fee
- No minimum turnover
- Uncapped 1% cashback
- Unlimited free employee cards