Capital on Tap Referral Code

About Capital on Tap

Capital on Tap is a leading financial technology company dedicated to supporting small businesses with its innovative business credit card UK businesses can rely on. The Capital on Tap UK platform provides a powerful solution for small business funding and a comprehensive expense management platform, all in one. Designed for modern entrepreneurs, the card offers high credit limits, no annual fees, and a fantastic rewards programme. A key feature is the ability to earn unlimited 1% cashback on all card spending, making it a leading unlimited cashback credit card for businesses. For new companies looking to take control of their finances, a Capital on Tap referral code provides an exceptional start, with a generous £75 cashback bonus often available for new members who meet the qualifying criteria.

Why Choose Capital on Tap?

Capital on Tap has become the credit card of choice for over 200,000 small businesses in the UK for several compelling reasons:

• Simple and Fast Application: The online application process is designed to be quick and straightforward, with most businesses receiving a decision in as little as two minutes.
• Generous Credit Limits: Businesses can get access to credit limits of up to £250,000, providing significant flexibility to manage cash flow and invest in growth.
• Unlimited 1% Cashback: A standout benefit is the simple and uncapped 1% cashback on all card spending, allowing businesses to get rewarded for their everyday expenditure.
• No Annual Fee on Standard Card: The standard Business Credit Card has no annual fees, foreign exchange fees, or UK ATM withdrawal charges.
• Powerful Expense Management Platform: The online portal and app make it easy to issue unlimited employee cards with set spending limits, track spending in real-time, and categorise expenses.
• Accounting Integrations: The platform seamlessly integrates with popular accounting software like Xero, Sage, and QuickBooks, saving hours of administrative time.

Key Capital on Tap Features and Offerings

The Capital on Tap service is a complete financial toolkit for small businesses:

• Business Credit Card: A Visa credit card with high limits and up to 56 days interest-free on card purchases, perfect for managing cash flow.
• Unlimited Employee Cards: Issue an unlimited number of free employee cards to team members, each with its own customisable spending limit for better control.
• Rewards for Business Spending:
  • Cashback: Earn 1% cashback on all card spend, which can be redeemed against the card balance.
  • Avios: The “Business Rewards” card allows businesses to earn Avios on their spending, perfect for frequent travellers.
• Refer a Friend Bonus: A generous referral scheme. When a new business signs up with a Capital on Tap referral code and meets the criteria, both businesses often receive a £75 bonus.

Benefits of Using Capital on Tap

Integrating the Capital on Tap business credit card UK businesses use into their finances offers many advantages:

• Improved Cash Flow Management: The interest-free period and high credit limits provide a flexible way to manage day-to-day expenses and larger investments.
• Streamlined Expense Reporting: The online platform and accounting integrations drastically reduce the time and effort required for expense management and bookkeeping.
• Empower Your Team: Safely empower employees to make necessary business purchases with their own company cards while maintaining full control over spending limits.
• Get Rewarded for Your Spend: The uncapped cashback or Avios rewards mean that a business’s regular spending generates real, tangible value back to the company.

Things to Consider When Applying

To ensure the service is the right fit, potential applicants should be aware of a few points:

• For Limited Companies and LLPs: The service is designed for UK-based Limited Companies and LLPs with a turnover of at least £24,000 per year. It is not available for sole traders.
• Personal Guarantee: As is standard for most small business credit, a personal guarantee from a company director is typically required.
• Referral Bonus Conditions: To receive the £75 cashback, the new business must sign up using a specific referral link and typically needs to spend a qualifying amount (e.g., £500) on their card within the first 30 days.
• Business Rewards Card Fee: While the standard cashback card has no annual fee, the Business Rewards card (for earning Avios) has an annual fee.

Tips for a Great Capital on Tap Experience

Business owners can get the most out of their account with these tips:

• Use a Referral Code on Sign-Up: This is the easiest way to get the £75 welcome bonus.
• Integrate with Your Accounting Software: Connecting the account to Xero or QuickBooks from day one will save a huge amount of administrative work.
• Issue Employee Cards: Empower the team and get better oversight of spending by issuing individual employee cards with appropriate limits.
• Pay Your Balance in Full: To make the most of the card, pay the balance in full each month to benefit from the interest-free period and avoid interest charges.

Capital on Tap Customer Support & Policies

Capital on Tap is a UK-based company known for its excellent customer service, with a support team available via phone and email. As a regulated financial services provider, they have clear and transparent policies regarding their credit agreements, fees, and rewards programme. Their user-friendly platform and straightforward approach provide a trustworthy foundation for their small business funding solutions.

Smarter Spending for Your Small Business

For UK small businesses seeking a simple, powerful, and rewarding way to manage their spending, the Capital on Tap business credit card is an outstanding solution. The combination of high credit limits, a powerful expense management platform, and a market-leading unlimited cashback credit card makes it an essential tool for growth. The platform provides all the features needed for effective small business funding and control. New businesses should be sure to sign up with a Capital on Tap referral code to get a fantastic £75 cashback bonus.

Take control of your business spending and get rewarded with Capital on Tap!