Capital on Tap Review 2026: The Best Free Avios Business Credit Card?

Capital on Tap has quietly become one of the most popular business credit cards in the UK - and for good reason. It's one of the few cards that lets you earn Avios on everyday business spending without paying an annual fee. I've been using two Capital on Tap cards for my own businesses, and it's become a core part of my points-earning strategy.

In this review, I'll cover everything you need to know about the Capital on Tap Visa business credit card - from how the rewards work, to eligibility requirements, fees, and whether it's actually worth getting in 2026. If you're a UK business owner who collects Avios or Virgin Points, this is a card you need to know about.

Capital on Tap is a UK business credit card provider offering a Visa credit card designed specifically for small businesses. Unlike traditional bank cards, it's built for business owners who want a straightforward spending card with genuine rewards.

The free card - which is what most people should start with - has no annual fee and earns 1 Capital on Tap point for every £1 you spend. Those points can then be converted into British Airways Avios, Qatar Airways Avios, Virgin Atlantic Points, or cashback. That makes it one of the best no-fee options for UK business owners who collect air miles.

There's also a Pro tier at £299/year for those who want enhanced earning and perks like lounge access - more on that below.

Every £1 you spend on the Capital on Tap card earns 1 Capital on Tap point. These points can then be redeemed as:

So for every £1,000 of business spending, you'd earn 800 Avios or 800 Virgin Points. That might not sound like much at first, but if your business puts £30,000+ a year through the card, that's 24,000 Avios - enough for a return flight to a European destination. Use our Capital on Tap Avios Calculator to see exactly what your spending could earn.

The cashback option gives you 1p per point, which works out at a flat 1% cashback. Worth noting: unlike miles, cashback is treated as taxable business income - so Avios or Virgin Points are usually the smarter choice if you value travel rewards.

This is where Capital on Tap really shines for points collectors. Your points transfer to:

The addition of Qatar Airways as a transfer partner is particularly useful. It means you can pool your Capital on Tap earnings with Qatar Avios and use them on Qsuite business class redemptions - arguably the best business class product in the sky. Use Award Travel Finder to search for available Avios redemptions across all partners.

For most people, transferring to Avios will be the best option, especially if you fly with British Airways or oneworld partners. If you're a Virgin Atlantic flyer, the Virgin Points option adds genuine flexibility. Check out our guide to how many Avios you need for a flight to plan your redemptions.

Capital on Tap doesn't currently offer a sign-up bonus on the free card. However, there are a couple of ways to get extra value when you sign up:

Referral bonus: If you sign up through an existing cardholder's referral link, both you and the referrer earn 7,500 bonus points. That's 6,000 Avios for free - just for signing up through the right link.

You can apply for Capital on Tap through our link here to get the referral bonus.

For the latest Capital on Tap offers including any active promo codes, see our dedicated Capital on Tap promo code page.

One of the strongest selling points of the Capital on Tap credit card is what you don't pay:

The zero FX fees alone make this card a standout. Most business credit cards charge 2.5-3% on foreign currency transactions, so if your business makes international purchases regularly, the savings are significant.

The interest rate varies depending on your business profile and creditworthiness. As with any credit card, the best approach is to pay your balance in full each month to avoid interest charges entirely and make the most of that 42-day interest-free period.

This is the main limitation of Capital on Tap. The card is available to:

It is not currently available to sole traders or unlimited partnerships. If you're a sole trader, you'll need to look at alternatives like the best Avios-earning business credit cards in the UK for options that accept sole traders.

You'll also need a minimum annual turnover of £24,000 to be eligible. The application process is quick and mostly online - you'll typically get a decision within minutes.

Credit limits on Capital on Tap go up to £250,000, which is significantly higher than most traditional business credit cards. Your actual limit will depend on your business's financials, but the potential for a high limit makes it suitable for businesses with substantial monthly spending.

There's also a pre-load feature that lets you add funds beyond your credit limit. This is particularly useful if you have a large one-off expense. Capital on Tap offers 1.25% cashback on preloaded spending, which is a nice bonus that isn't widely known about.

Capital on Tap offers two tiers. Here's how they compare:

Free Card (no annual fee):

Pro Card (£299/year):

The Pro card is worth considering if you value Priority Pass lounge access, since the membership alone costs nearly as much as the annual fee. Use our Capital on Tap Pro vs Free break-even calculator to see if the upgrade makes sense for your spending level. I've also written a detailed Capital on Tap Pro review if you want to dig deeper.

For most business owners, the free card is the better starting point. Get the card, see how much you use it, and then consider upgrading to Pro if the lounge access and enhanced earning appeal to you.

In 2025, Capital on Tap launched a savings account offering 4% AER with instant access. It's available to Capital on Tap cardholders and provides a straightforward way to earn interest on idle business funds with no restrictions on withdrawals.

It's a competitive rate compared to most traditional business savings accounts, and the fact it's instant access makes it a useful place to park cash between expenses.

For any UK business owner who collects Avios or Virgin Points, Capital on Tap is a no-brainer.

The free card costs nothing. Even if you only put a modest amount of spending through it, you're earning Avios for free on purchases you'd make anyway. The lack of FX fees is a genuine advantage over many business cards, especially if you travel or buy from international suppliers.

I use two Capital on Tap cards across my businesses, and they've become my go-to for everyday business spending. The Avios add up faster than you'd think, and the ability to transfer to Qatar Airways for Qsuite redemptions makes the points even more valuable than standard BA Avios earning.

The main limitation is eligibility - if you're a sole trader, you're out of luck. But if you run a limited company or LLP with at least £24,000 turnover, there's very little reason not to apply.

If Capital on Tap isn't right for you, check our guide to the best Avios-earning business credit cards in the UK for alternatives.

→ Apply for Capital on Tap here