Capital on Tap Pro Review: Is This Premium Business Card Worth £299?

I'll be honest – when I first applied for the Capital on Tap Pro card last year, I was primarily interested in one thing: earning Avios on business expenses where my Amex wasn't accepted. What I didn't expect was to discover one of the most underrated travel cards in the UK market.

After using it extensively, I'm ready to share why this card has become a permanent fixture in my wallet – and why the £299 annual fee actually feels like a bargain when you break down the maths.

What Is the Capital on Tap Pro Card?

The Capital on Tap Pro card is a premium business credit card designed specifically for UK limited companies and LLPs. If you're a sole trader, unfortunately this one isn't for you – Capital on Tap requires your business to have at least £24,000 in annual turnover and be structured as a limited company or LLP.

It's essentially Capital on Tap's answer to premium cards like the Amex Business Platinum, but with one crucial advantage: it's a Visa, which means you can use it practically anywhere in the UK and abroad.

The Core Earning Rate: Simple But Effective

Let's start with the basics. The Pro card earns 1 Capital on Tap point per £1 spent on everything. These points convert at a 1:1 ratio to Avios or can be redeemed as 1p cashback per point.

But here's where it gets interesting: if you preload your account with your own funds before spending, you earn 1.25 points per £1 instead. This is a genuinely unique feature in the UK market.

To put this in perspective: if you spend £50,000 on the card throughout the year, you'd earn 50,000 Avios at the base rate, or 62,500 Avios if you preload. That's enough for a return economy class flight to New York using British Airways Avios.

Priority Pass: The Feature That Surprised Me Most

Here's where the Capital on Tap Pro card genuinely differentiates itself. The card includes unlimited Priority Pass access to over 1,600 airport lounges worldwide.

But here's the crucial difference: the Capital on Tap Priority Pass includes £18 credits for airport restaurants. American Express Priority Pass memberships don't include restaurant credits, only lounge access.

I discovered this quite by accident at Heathrow Terminal 5 when the British Airways lounge was rammed. Instead of queuing, I used my Priority Pass at Côte Brasserie and got £18 off my bill.

Radisson Rewards VIP Status

The second major benefit is complimentary Radisson Rewards VIP status – the highest publicly available tier in the Radisson programme.

• Free breakfast for two at all Radisson properties worldwide

• Upgrade to the best available room category at check-in

• Early check-in and late check-out (subject to availability)

• Accelerated points earning on hotel stays

The breakfast benefit alone can be worth £20-40 per night depending on the property.

Other Notable Benefits

• Complimentary digital access to The Times and Sunday Times for one year (worth £312)

• Accounting software integrations with QuickBooks, Xero, Sage, and FreeAgent

• No foreign exchange fees on international transactions

• No UK ATM withdrawal fees

• Unlimited free employee cards for your team

• Credit limits up to £250,000

• Quick Avios transfers (typically instant or within 24 hours)

Is the £299 Annual Fee Worth It?

Let's break down the value:

Benefits Breakdown:

• Priority Pass with restaurant credits: £369 value

• Radisson VIP status: Conservatively £300+ value

• Times/Sunday Times digital: £312 value

• No FX fees: £50-100+ for frequent travellers

Total potential value: £1,000+ annually

Against a £299 annual fee (which is tax-deductible as a business expense), you're getting exceptional value even if you only use a few of these benefits.

How I Use It

In my business spending, I have a clear hierarchy:

1. Amex Platinum Business first (for the premium travel perks and Membership Rewards points)

2. Capital on Tap Pro for everywhere Amex isn't accepted

3. Capital on Tap Pro with preloading for large planned expenses where I want the 1.25x earn rate

The Downsides

Limited Company/LLP Requirement: This is non-negotiable. Sole traders need not apply.

Minimum Turnover: You need at least £24,000 in annual business turnover to qualify.

Not as Generous as Premium Amex for Travel Insurance: The Amex Business Platinum includes comprehensive travel insurance as standard. Capital on Tap Pro doesn't.

Final Thoughts

The Capital on Tap Pro card has genuinely earned its place in my wallet. At £299 per year, it's not cheap, but when you consider the Priority Pass membership with restaurant credits (£369 value), Radisson VIP status (easily £300+ value), and the ability to earn Avios on every business expense, the card more than pays for itself.

What I particularly appreciate is how it complements my Amex Platinum Business rather than competing with it. Between the two, I'm now earning Avios or Membership Rewards points on virtually every pound my business spends.

If you run a UK limited company, travel semi-regularly, and want to maximise Avios earnings on business spend, I'd strongly recommend giving this card serious consideration.

Have you tried the Capital on Tap Pro card? What's been your experience? Let me know on Instagram!