Loving my Airport Lounge pass at Capital on Tap - it really is something special. It genuinely is so easy to use my Priority Pass into virtually every lounge there is and you can have great food a... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I went for the preloading option because the company was not looking for credit and we were not prepared to give director’s guarantees. My main worry was that the the accounting would get... See more
Company replied
Edited: Ive been a loyal customer for 3 years, I've always paid all outstanding funds every month on time. This month a direct debit payment hasn't gone through on the day, even though I... See more
Very easy to navigate and the App is excellent. A great first experience everything is secure easy to use and feedback on spending very good. We have now started to use the business savings associa... See more
Company details
About Capital on Tap
Written by the company
At Capital on Tap, our mission is to make running a small business as easy as possible.
We understand that the day-to-day operations of a business can be challenging, which is why we've developed tools and resources that empower business owners to streamline their operations, access fast funding, and earn rewards.
So, if you're looking for a better way to run or grow your business – whether you’re an electrician wanting to buy supplies for your next job or a consulting company wanting to consolidate your team's spend – join the 300,000 businesses across the UK and the US that have placed their trust in Capital on Tap.
We understand that the day-to-day operations of a business can be challenging, which is why we've developed tools and resources that empower business owners to streamline their operations, access fast funding, and earn rewards.
So, if you're looking for a better way to run or grow your business – whether you’re an electrician wanting to buy supplies for your next job or a consulting company wanting to consolidate your team's spend – join the 300,000 businesses across the UK and the US that have placed their trust in Capital on Tap.
The credit card built for small businesses
Written by the company
- - Uncapped 1% cashback with no annual fee
- - Practical credit limits up to £250,000
- - Free company cards with spend controls
Contact info
Hylo Building, 103, 105 Bunhill Row, Floors 6-8, EC1Y 8LZ, London, United Kingdom
- 0208 962 7401
- contact@capitalontap.com
- capitalontap.com
4.6
Excellent
18K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 92% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Great application process and excellent…
Great application process and excellent app.
3 September 2026
We keep forward with, its really helpful to business
We keep forward with, its really helpful to
2 September 2026
Reply from Capital on Tap
Hi Mohammed,
Thank you for your amazing review!
We're really glad to hear about your great experience with us
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Reply from Capital on Tap
Hi Sukhbir,
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Fantastic service
4 September 2026
Reply from Capital on Tap
Hi Steven,
Thank you for your amazing review!
We're really glad to hear about your great experience with us.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Reply from Capital on Tap
Hi Vyron
Thank you for your amazing review!
We're really glad to hear about your great experience with us.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Reply from Capital on Tap
Hi Nicusor
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Reply from Capital on Tap
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Reply from Capital on Tap
Hi Elesia
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Reply from Capital on Tap
Hi Garry
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Worst credit card company
Worst credit card company
got this card when i 1st went Limited.
what a nightmare, if you need to change a payment method like bank account or pay it from a different card or account it's a real pain, you have to ring up and sort it, i paid my balance off in full from an account which wasn't listed in the app, and the payment was rejected.
thankfully i had time to ring up and make a physical payment before any charges were added.
they report a debt to credit refernece agencies even though you aren't in debt, so when a DD payment is due to clear the balance they report it a few days before to credit agenices as a debt.
this nearly cost me getting a van on lease, i had to contact the lease company and prove that the balance was paid off in full each month,
wish i would of never started with this company, so glad i have closed my account now.
be warned
4 September 2026
Unprompted review
Sooo Easy to use
4 September 2026
Reply from Capital on Tap
Hi Raymond.
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Reply from Capital on Tap
Hi Younas,
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Excellent Experience – Very Impressed
Excellent Experience – Very Impressed
I’ve been really impressed with Capital on Tap from the very beginning. The whole application process was handled efficiently and professionally, with clear communication throughout.
The app is also excellent — simple, intuitive and incredibly easy to use. Managing the card, viewing transactions and accessing account information is straightforward and hassle-free.
Having also used the American Express Business Platinum Card, I have to say that, from an overall user experience and ease-of-use perspective, Capital on Tap has impressed me even more. Everything feels streamlined, practical and designed with business owners in mind.
A great experience so far and highly recommended.
3 September 2026
Reply from Capital on Tap
Hi Syed,
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Reply from Capital on Tap
Hi David
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Brilliant.
13 January 2026
Reply from Capital on Tap
Hi Ben,
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
One of the Best credit card
Really happy with Capital on Tap. The service has been excellent, the process is simple and straightforward, and everything is managed professionally. Overall, a very good experience and I would definitely recommend them.
3 September 2026
Reply from Capital on Tap
Hi Muhammad,
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
Good business credit card.
Been with Capital on Tap for about 1 year now and have had excellent service. Good reward program and easy to use and get the rewards. The app works well and customer service is good. Keep it up!
22 December 2025
Reply from Capital on Tap
Hi Stefan
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
it has been simple and professional…
it has been simple and professional from the start of the application to my first purchase, excellent service!!!
2 September 2026
Reply from Capital on Tap
Hi Mark,
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
This company is great
This company is great. Very easy to contact them and easy to make payments automatically. They have good offers on cashback as well. Would highly recommend.
7 August 2026
Reply from Capital on Tap
Hi there!
Thank you for your amazing review!
We're really glad to hear about your great experience with our customer service team.
We really value your comments and are pleased we can help you and your business!
Did you know, you can earn £75 when you refer a friend? You can find more info in your online account.
We hope you continue to enjoy using your Capital on Tap business credit card account.
Best wishes,
Capital on Tap
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