Capital on Tap offers a competitive business credit card with no annual fee and an attractive cashback reward program. Users can earn 1% uncapped cashback on all purchases, with the option to upgrade to Business Rewards for Avios conversion. The card boasts a representative APR of 15.5% (variable), up to £250,000 credit limit, and no foreign transaction fees—ideal for businesses with regular overseas transactions. Additional benefits include unlimited employee cards, integration with accounting software, and purchase protection. However, it requires a minimum business turnover and may offer higher APRs based on creditworthiness. It's a digital-first option without physical branches, catering to those comfortable managing their finances online.
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