Capital On Tap Promo: SETTINGUP
Introduction: Unlock 7500 Points (worth £75) with the Capital on Tap Promo Code: SETTINGUP
Running a business is challenging, especially when it comes to managing finances and cash flow. With Capital on Tap, businesses in the UK can streamline their financial operations with a business credit card that offers flexible payment options, no annual fees (on the free card), and exceptional rewards. And with the Capital on Tap promo code: SETTINGUP, you can unlock 7500 points (worth £75) when you complete your first card transaction within 30 days of signing up. Just make sure to enter the code during signup or click the following link to activate the offer directly: CLICK HERE
In this article, we’ll dive deep into the Capital on Tap Business Credit Card options, including the Free Card and Pro Card, and explain why this is a great choice for small businesses, startups, and even larger enterprises.
Why You Should Choose Capital on Tap for Your Business
Choosing a business credit card that offers flexibility, rewards, and easy management is crucial to running a successful business. Here’s why Capital on Tap is one of the best options for UK businesses
Key Features & Benefits
Below are the main features, benefits, plus some enhancements in its “Pro”-premium version. I also note important limits or conditions so you can make an informed decision.
| Feature | What it is / How it works |
|---|---|
| Credit Limit | Businesses can access quite high credit limits — up to £250,000, depending on credit history, turnover, and business risk profile. |
| Cashback / Rewards | At the base / standard level: 1% uncapped cashback (or points equivalent) on all spend. You also have the option in some versions to convert reward-points into Avios (for travel) or use them for gift cards etc. |
| Annual Fee Options | – Standard / entry-level business card: no annual fee. – Upgraded / premium versions (e.g. “Business Rewards”, “Pro”) carry a fee (for example, ~£299/yr for Pro). These premium versions include extra perks (see below). |
| Foreign / International Spend | You can use the card abroad / for international transactions. There are no foreign transaction fees, but you’ll pay the usual Visa/Mastercard exchange rate (with their markup). |
| Interest / Repayment Terms | If you pay your statement in full each month, you avoid interest on purchases. If you carry balances, interest is charged — rates are variable and depend on your credit profile. |
| Interest-Free Period | You get up to ~42 days of interest-free credit on purchases if you clear your balance each period. |
| Employee / Additional Cards | You can issue employee cards / additional cards for your team, with custom spend limits, access controls, and real-time visibility of their transactions. |
| Accounting / Software Integrations | The platform supports integrations with accounting tools (e.g. Xero, QuickBooks etc.). This helps with categorisation of spending, auto-syncing transactions, simplifying bookkeeping. |
| Mobile App & Dashboard | The app & online dashboard provide: real-time transaction monitoring, notifications, card management (freeze, controls), balance tracking, statement review etc. |
| Customer Support | Support tends to be solid, with multiple channels (phone, chat, email); important for resolving disputes, queries etc. |
| Rewards Redemption Flexibility | Rewards (points / cashback) can usually be redeemed in different ways: to reduce your card balance, for gift cards, Avios, or other reward partner options (depending on the card tier). |
Right now, new customers can unlock an exclusive bonus: apply with the Capital on Tap promo code SETTINGUP and you’ll receive 7,500 bonus points (worth £75) after your first transaction. Simply use this referral link to claim the offer: https://cashback.capitalontap.com/referral/?promo=SETTINGUP&referrer=SETTINGUP.
Who Is the Capital on Tap Credit Card For?
The Capital on Tap Business Credit Card is specifically designed for businesses in the UK, including private limited companies (Ltd) and limited liability partnerships (LLP). It is ideal for companies that need to manage cash flow, streamline their expenses, and make regular business purchases while benefiting from uncapped cashback on all spending. The card offers a range of rewards, including exclusive offers and the ability to issue unlimited employee cards at no additional cost. Whether you’re running a small startup or a growing company, this card can help simplify your financial management and provide flexibility in your business operations.
Who Can Apply for a Capital on Tap Business Credit Card?
To apply for a Capital on Tap Business Credit Card, your business must meet the following criteria:
- Business Turnover: Your business must have a minimum monthly turnover of £2,000.
- No Unsatisfied CCJs: There should be no unsatisfied County Court Judgments (CCJs) against your business or personal credit history in the last 12 months.
- Active Business: Your business must be registered and active on Companies House.
- Business Structure: The business must be registered as a private limited company (Ltd) or limited liability partnership (LLP).
Who Cannot Apply:
Currently, the Capital on Tap Business Credit Card is not available for the following types of entities:
- Charities, trusts, funds, or Royal Charters
- Public limited companies (PLC)
- Dormant, dissolved, or inactive companies
- Sole traders
Make sure you have all your personal and business information ready when applying, as the process is straightforward and typically quick for eligible businesses.
Core Features and Benefits of Capital on Tap
A. Capital on Tap Business Credit Card (Free Card)
The Capital on Tap Free Card is an excellent solution for businesses looking for a straightforward, no-fee credit card with plenty of benefits. Here are the key features of the Free Card:
- Uncapped 1% Cashback on All Card Spending: Earn 1% cashback on all card transactions with no cap on how much you can earn, which is a fantastic benefit for businesses with regular spending.
- Exclusive Offers at Partner Brands: Access special offers and discounts at partner brands to save even more on business-related expenses.
- Points Redemption: Redeem your rewards points against your card balance, for cash, or for gift cards. You can also convert points to Avios for travel rewards.
- Preloading: Top up your balance with your own funds via preloading, providing more flexibility in managing your card’s spending. With preloading, you can ensure you always have the necessary funds available for purchases, giving you better control over your business expenses. This feature allows you to use the Capital on Tap card as a budgeting tool, avoiding overspending while still enjoying the benefits of using a business credit card.
- Unlimited, Free Employee Cards: Distribute cards to employees at no additional cost, making it easier to manage team spending.
- No Foreign Exchange Fees: Enjoy the benefit of no foreign exchange fees when using your card abroad.
- 24/7 Customer Support: Get round-the-clock assistance for any account-related issues.
- 4.00% AER (variable) Instant Savings Account*: Earn a competitive interest rate on your savings through Capital on Tap’s Instant Savings Account, making your funds work harder for you.
B. Capital on Tap Pro Card (£299 Annual Fee)
The Pro Card offers all the same benefits as the Free Card but with additional premium features. Here’s a breakdown of what you get with the Pro Card:
Everything from Free, Plus:
- 10,000 Bonus Points: Spend £5,000 in your first 3 months and earn 10,000 bonus points.
- Unlimited Airport Lounge Access: Enjoy access to 1,600+ airport lounges worldwide, perfect for businesses that require travel.
- Two Free Guest Lounge Passes Per Year: Take advantage of guest lounge passes for business partners or clients.
- Radisson Rewards VIP Status: Get exclusive benefits with Radisson Rewards VIP status, making your stays more luxurious.
- Premium Metal Card: The Pro Card comes with a sleek, premium metal card, elevating your business image.
- Dedicated 24/7 Customer Support: Enjoy priority customer service for Pro Card holders, ensuring quicker resolution of any issues.
- 6 Months Free Xero: First-time Xero subscribers receive 6 months free access to this powerful accounting software, which is ideal for managing business finances.
C. Instant Savings Account
Capital on Tap’s Instant Savings Account is an attractive feature that allows businesses to grow their savings effortlessly. With an *AER of 4.00% (variable)**, this account offers a highly competitive interest rate, ensuring that your funds are working hard for you. Unlike traditional savings accounts that require long-term commitment or limited access to your funds, Capital on Tap’s Instant Savings Account allows you to access your savings at any time, making it highly flexible. This account is perfect for businesses looking to earn interest while still keeping funds readily available for day-to-day operations.
Capital on Tap Promo Code SETTINGUP– How to Claim Your 7500 Points
How the Offer Works:
By using the promo code: SETTINGUPvwhen applying for the Capital on Tap Business Credit Card, you can receive a 7500 point bonus. All you need to do is complete a card transaction within 30 days of receiving your card.
Steps to Claim the 7500 Points Bonus:
- Sign Up: Apply for the Capital on Tap Business Credit Card using the promo code SETTINGUP.
- Complete a Transaction: Make at least one card transaction within the first 30 days of receiving your card.
- Receive Your 7500 Points: Once the transaction is complete, you’ll receive 7500 cash credited to your account.
Terms and Conditions:
- Eligibility: This offer is available only for new Capital on Tap customers who apply using the promo code: SETTINGUP.
- Transaction Requirement: You must complete at least one transaction within the first 30 days.
- Promo Code: Make sure to use the promo code: SETTINGUPvduring the application process to qualify for the 7500 Points bonus.
Conclusion: Why Capital on Tap Is the Right Choice for Your Business
Capital on Tap offers a comprehensive suite of features for UK businesses looking to simplify their financial management. Whether you opt for the Free Card or the Pro Card, you’ll benefit from uncapped cashback, exclusive partner offers, employee cards, and 24/7 customer support. The Free Card is perfect for businesses looking for a no-fee solution with excellent rewards, while the Pro Card is ideal for businesses that want premium benefits like airport lounge access, bonus points, and Xero accounting software.
Additionally, the Instant Savings Account with a 4.00% AER interest rate offers a fantastic way to make your business savings work harder, while the Preloading functionality ensures that you maintain better control of your card spending.
By using the promo code: SETTINGUP, you can also unlock a £75 bonus just by completing a card transaction within the first 30 days. This offer, combined with the flexibility and rewards of Capital on Tap, makes it an excellent choice for any business looking to optimize its spending and financial management.
Sign up today using promo code: SETTINGUP and start making the most of your business expenses with Capital on Tap’s business credit cards.
The bottom line? If you run a UK Limited Company or LLP and want a card that delivers cashback, flexibility, and valuable rewards, Capital on Tap is one of the best options available. And by claiming the Capital on Tap promo code: SETTINGUP or through this official referral link:
👉 https://cashback.capitalontap.com/referral/?promo=SETTINGUP&referrer=SETTINGUP
…you’ll make sure you start off with an extra £75 bonus, giving you even more reason to apply today.
