- Smart With Points: Travel Smarter with Miles & Points
- Posts
- 🤑 Capital on Tap Announces 1.25% Cashback for Preloaded Spending
🤑 Capital on Tap Announces 1.25% Cashback for Preloaded Spending
An exciting new way to earn up to 1.25% cashback on funds beyond your credit limit
Great news for Capital on Tap cardholders! They've just introduced a fantastic new feature that could significantly increase your rewards earnings with virtually no extra effort. The new preloaded spending functionality allows you to load funds onto your card beyond your credit limit and still earn rewards on every transaction.
What's particularly exciting is that Pro customers can now earn an enhanced 1.25% cashback on all preloaded spending. That's a nice boost from the standard 1% rate, creating an excellent opportunity to increase your business rewards.
Why preloaded spending is a game-changer
The beauty of this feature lies in its simplicity and flexibility. By preloading funds, you essentially transform your Capital on Tap card into a hybrid credit/prepaid card, giving you:
Increased spending power beyond your credit limit
Rewards on every pound spent, whether credit or preloaded
Simplified expense management for large business payments
As someone who uses Capital on Tap cards regularly, I'm particularly excited about the potential for large tax payments. After Curve reduced its fee-free transaction limit to £3,000, finding ways to earn rewards on VAT and other tax payments has become more challenging. This preloaded spending feature offers an elegant solution.

🪑 Choose Your Seat With Confidence Want to know if that exit row is really worth it? Flight Seatmap shows you real-time seat availability and detailed cabin layouts for your next flight. No more gambling on seat selection! Check your flight's seatmap →
Supercharging your business payments
For UK businesses making substantial regular payments, this preloaded spending feature is a genuine windfall. Let's see how your typical business expenses can transform into valuable rewards with minimal effort:
Standard Capital on Tap customers (1% rate):
£10,000 supplier payment = 10,000 Avios (or £100 cashback)
£50,000 in annual business expenses = 50,000 Avios (or £500 cashback)
Pro customers with enhanced 1.25% rate:
£10,000 supplier payment = 12,500 Avios (or £125 cashback)
£50,000 in annual business expenses = 62,500 Avios (or £625 cashback)
That's an additional 12,500 Avios annually just by using the preloaded feature with a Pro account! These rewards accumulate automatically through payments you'd be making anyway – whether they're for inventory, equipment purchases, marketing expenses, or other operational costs. The extra 0.25% will be calculated and added to your balance each week.
How to start preloading (it's remarkably simple)
Getting started with preloaded spending couldn't be easier:
Go to the Payments tab in your Capital on Tap account
Click the 'Preload' option
Select 'Make a one-off bank transfer' to get the account details
Add Capital on Tap as a payee in your online banking
Transfer funds from your registered business account
That's it! Once the money arrives, your available balance increases, and you'll earn rewards on every transaction. We’d love to see this pre-loaded money sit in the 4% interest saving account they offer - maybe one day!
Making the most of your Avios
If you choose Avios instead of cashback, your rewards potential becomes even more exciting. At our typical Avios valuation of 1-1.5p each, those 60,000+ annual Avios could be worth £600-£900 minimum when redeemed thoughtfully.
Need help figuring out how to use those Avios? Our BA Tier Point Calculator and Avios Flight Calculator can help you plan your next reward redemption.
Pro vs. Standard: A quick note on maximizing value
While the standard 1% rate is already competitive, businesses making significant preloaded payments should consider the Pro account's 1.25% rate. The annual £299 fee (sometimes offered at £199) pays for itself once you've preloaded and spent around £120,000, making it particularly attractive for businesses with substantial quarterly payments. The six months Xero membership and Radisson VIP status could also help sway things!
Final thoughts
Capital on Tap's preloaded spending feature represents a brilliant opportunity to earn additional rewards with minimal effort. Whether you're managing large tax payments, seasonal expenses, or simply want more flexibility with your business spending, this feature delivers significant value.
By taking a few minutes to set up preloaded spending, you could earn thousands of additional Avios or hundreds in cashback annually—rewards that might otherwise go unclaimed.
Looking for more ways to maximise your business rewards? Check out our guide to the best Avios-earning business credit cards in the UK for more ideas and strategies.
Have you tried Capital on Tap's preloaded spending feature yet? Share your experience in the comments!
✈️ "How many Avios do I need for...?" Stop wondering! Our comprehensive guide shows exactly how many Avios you need for any destination. Perfect for planning your next redemption. Check Avios rates →
Reply