Capital On Tap

1% Cashback on Every Card Transaction

One of the most appealing and straightforward features is the universal 1% cashback you earn on every purchase. There are no tricky spending categories, no rotating limits, and no bonus periods to track.

Whether you’re paying for stock, equipment, digital tools, travel, or everyday business expenses, every pound you spend earns you the same consistent cashback. This is incredibly helpful for small business owners who value predictability.

Instead of remembering which purchases qualify for rewards, you can simply use your Capital on Tap card for all business spending and watch the cashback accumulate. It’s uncomplicated, reliable, and perfectly aligned with the goal of making business easier.

Credit Limits up to £250,000

Capital on Tap supports small business owners with credit limits up to £250,000. Whether you’re scaling operations, managing cash flow, or preparing for seasonal expenses, having access to a high credit limit gives you room to make decisions confidently.

This level of credit can help you expand operations, hire new staff, purchase stock in bulk, cover expenses during slower seasons, or manage cash flow between invoices. Small businesses often face unpredictable financial hurdles, and a large, flexible limit can act as a safety net.

No Hidden Fees or Annual Charges

Capital on Tap’s transparent, predictable pricing model is a major advantage. You never have to worry about discovering a surprise fee buried somewhere in your statement. There are no annual fees, maintenance charges, or hidden extras.

Unexpected fees can disrupt budgeting and cash flow, especially when margins are tight. With Capital on Tap, everything is clear, simple, and upfront, helping you focus on running your business.

Smart Controls for Team Spending

Capital on Tap gives you simple, powerful controls to manage team cards. You can issue additional cards and assign individual spending limits. These controls include customizable spending caps, real-time transaction tracking, card-level permissions, and instant freeze/unfreeze options.

This is ideal for growing teams, field workers, delivery staff, or anyone who needs purchasing power. You always know which transactions belong to which team member, giving you a clean, accurate spending record.

Real-Time Visibility in the Mobile App

The Capital on Tap app acts as a companion to your physical and virtual cards, giving you instant insight into your account. You can track transactions as they happen, review team spending, check payment due dates, monitor available credit, and keep an eye on cashback and points balances.

The app is clean, intuitive, and built for small business owners who move between tasks and locations throughout the day.

Auto-Sync with Accounting Tools

Capital on Tap integrates seamlessly with Sage, Xero, QuickBooks, FreeAgent, and more. Your transactions automatically sync into your accounting system, updating in real time. This eliminates manual data entry and reduces bookkeeping errors.

You get accurate books, faster reconciliation, and cleaner month-end reporting. This feature is especially useful for busy owners who want to reduce admin work.

Exclusive Customer Offers

Capital on Tap provides access to a curated list of partner perks and discounts for cardholders. These perks give you additional savings on business tools, services, and operational resources. It’s a simple way to get more value without increasing your expenses.

Reports and Analysis

Capital on Tap provides clear and easy-to-use reporting features that help you stay on top of your business spending. You can view all transactions in one place and filter them by employee, card type, amount, date, category, or merchant, giving you a clean breakdown of how your business is using its credit.

The platform also offers real-time insights through the mobile app and online dashboard, allowing you to monitor spending patterns, identify unusual activity quickly, and keep your books organised.

With automatic syncing to accounting tools like Xero, QuickBooks, and Sage, your transaction data flows straight into your financial system, reducing errors and speeding up reconciliation. Overall, the reporting and analysis tools are designed to give small business owners visibility, clarity, and control without adding extra admin work.

Capital on Tap does not require any specialised hardware to get started. The system works seamlessly across Apple devices such as iPhone and iPad, all Android smartphones and tablets, and any PC or Mac through a standard web browser.

Since everything is cloud-based, the only equipment you need is a device with an internet connection to access your account and manage spending. There is no need for physical terminals, card readers, or on-site installation.

The brand does not sell or provide hardware for purchase, as the Capital on Tap Business Credit Card and mobile app are designed to work with the devices you already use.

Capital on Tap integrates with the most widely used accounting platforms to help small business owners streamline their financial admin. The software connects directly with Sage, Xero, QuickBooks, FreeAgent, and more, allowing your transactions to sync automatically in real time.

These integrations make bookkeeping faster, cleaner, and more accurate, removing the need for manual data entry and reducing the chance of errors.

Capital on Tap is designed to be extremely easy to set up and use, even if you’re not tech-savvy. The sign-up process is straightforward, and once your account is active, the mobile app and online dashboard are clean, intuitive, and simple to navigate.

The interface focuses on clarity, giving you instant access to your balance, transactions, spending controls, and rewards without clutter or confusion. Because everything is organised logically and built with small business owners in mind, there’s no steep learning curve – you can start managing your spending, issuing team cards, and syncing your accounting tools almost immediately.