Capital On Tap: Best UK Business Cashback Credit Card

Why Capital On Tap for UK Businesses?

If you run a UK limited company or LLP and want to earn cashback on every purchase your business makes, Capital On Tap is the standout choice. Unlike most business credit cards that cap rewards or charge annual fees, Capital On Tap gives you unlimited 1% cashback on all spending with absolutely no annual fee.

For business owners already using cashback platforms like TopCashback or Quidco to get free VPNs, adding a cashback credit card to the mix means you’re earning rewards at two levels simultaneously — the cashback from the platform and the 1% from your card.

How It Stacks with VPN Cashback

Here’s the real power move. When you buy a VPN through a cashback platform, you’re already getting up to 100% cashback on the subscription cost. But if you pay using your Capital On Tap card, you also earn 1% back from the card itself.

For example, buying a NordVPN 2-year plan at £71.52 through TopCashback UK:

• TopCashback: 100% cashback = £71.52 back
• Capital On Tap: 1% cashback = £0.72 back
• Total back: £72.24 — that’s more than you paid

It’s a small extra on one purchase, but across all your business spending — software subscriptions, office supplies, travel, advertising — that 1% adds up significantly over a year.

Key Features

Unlimited 1% Cashback

Every pound you spend earns 1 point, redeemable as direct cashback to your business bank account. There’s no cap, no minimum spend threshold, and no categories to track. Use it for anything — SaaS subscriptions, equipment, fuel, client lunches.

0% Foreign Transaction Fees

Most UK business cards charge 2.5–3% on overseas transactions. Capital On Tap charges nothing. If your business pays for international services (many VPNs charge in USD), you won’t lose money on currency conversion. This alone can save hundreds of pounds per year.

No Annual Fee

The standard card is completely free. No joining fee, no annual fee, no hidden charges. You only pay interest if you carry a balance (from 13.86% APR variable).

Up to £250,000 Credit Limit

Capital On Tap offers credit limits up to £250,000, making it suitable for businesses of all sizes. Your limit is based on your company’s financial profile.

Free Employee Cards

Issue cards to employees at no extra cost. Each card earns the same 1% cashback, with spending controls you can manage through the app.

Virtual Cards

Generate virtual cards instantly for online purchases — great for managing subscriptions and keeping your physical card details secure.

Reward Redemption Options

While we recommend taking straight cashback (1 point = 1p), you have several redemption options:

• Cash: Direct to your business bank account
• Avios or Virgin Points: For business travel
• Gift cards: Amazon, John Lewis, Tesco, and more
• Statement credit: Applied against your balance

Pro Plan (Optional Upgrade)

For £299/year, the Pro plan upgrades your cashback to 1.25% on preloaded spending and includes:

• Unlimited access to 1,600+ airport lounges
• 2 free guest lounge passes per year
• 10,000 bonus points when you spend £5,000 in your first 3 months

The Pro plan is worth considering if your business spends over £120,000/year (where the extra 0.25% exceeds the £299 fee) or if you travel frequently.

Eligibility

To apply for Capital On Tap you’ll need:

• A UK registered limited company (Ltd) or limited liability partnership (LLP)
• You must be an active director or own 25%+ of the business
• Minimum annual turnover of £24,000
• No unsatisfied county court judgments in the past 12 months

Sole traders are unfortunately not eligible at this time.

Trustpilot & App Ratings

Capital On Tap is well-regarded, with a 4.7/5 on Trustpilot from over 11,000 reviews. Their mobile app also scores highly — 4.9/5 on both the Apple App Store and Google Play. They serve over 200,000 UK businesses.

The Bottom Line

For UK business owners, Capital On Tap is the easiest way to earn cashback on everyday spending. With no annual fee, no FX charges, and unlimited 1% back, there’s genuinely no downside to having it in your wallet.

Combined with cashback platforms for VPN purchases, you’re stacking rewards at two levels — turning every business expense into a saving. It’s the kind of no-brainer optimisation that takes five minutes to set up and keeps paying you back indefinitely.