Get £75 Free Credit – Capital on Tap Referral Link

Capital on Tap Referral at a Glance

• Bonus: £75 statement credit or 7,500 reward points for both you and the referrer
• How: Apply via our referral link, get approved, and make one transaction within 30 days
• Annual fee: £0 on the standard business credit card
• Cashback: 1% uncapped on all business spending
• Credit limit: Up to £250,000
• Eligibility: UK limited companies and LLPs with £24,000+ annual turnover
• FCA regulated: FRN 625592 and FRN 900922

💳 The Capital on Tap Referral Deal

Get £75 Free Credit when you apply and make your first transaction.

Verified March 2026 • No Annual Fee • Both Sides Rewarded

T&Cs apply. New customers only. UK Ltd and LLP businesses.

What Is Capital on Tap?

Capital on Tap is a UK fintech founded in 2012 that provides business credit cards specifically designed for small businesses. With over 200,000 businesses served and more than £20 billion in funding facilitated, it has become one of the UK's leading business credit card providers.

The standard card has no annual fee, offers 1% uncapped cashback on all spending, and comes with credit limits of up to £250,000. There are no foreign exchange fees, no ATM charges, and you can issue unlimited free employee cards. The application takes around two minutes and you'll get an instant decision.

Capital on Tap is FCA-authorised (firm reference numbers 625592 and 900922) and operated by New Wave Capital Limited. The company was named in the Financial Times Europe's Long-Term Growth Champions 2025 and holds a Moneyfacts 5-star rating. On Trustpilot, it has a 4.7 out of 5 rating from over 30,000 reviews.

How to Claim Your Capital on Tap Referral Bonus

Follow these steps to claim your £75 bonus using our referral link:

• Click the referral link: Tap the green button above to visit Capital on Tap via our referral link. This ensures the £75 bonus is tracked to your application.
• Complete your application: Enter your business details, including company number, turnover, and director information. The application takes around two minutes.
• Get approved: Capital on Tap will give you an instant decision in most cases. You'll need to be a director or majority shareholder of a UK limited company or LLP with at least £24,000 annual turnover.
• Make your first transaction: Use your new Capital on Tap card (virtual card available immediately) to make any purchase within 30 days of activation.
• Receive your bonus: Your £75 statement credit or 7,500 reward points will be added to your account after your first qualifying transaction.

Key Features of the Capital on Tap Business Credit Card

• No annual fee on the standard card
• 1% uncapped cashback on all business spending
• Credit limits from £1,000 up to £250,000
• Up to 42 days interest-free when you pay in full each month
• No foreign exchange fees on overseas transactions
• No ATM withdrawal fees (up to £400 per day)
• Unlimited free employee cards with individual spending limits
• Integrates with Xero, Sage, QuickBooks, and FreeAgent
• Convert points to Avios, Virgin Points, or gift cards
• Virtual card issued immediately upon approval
• 6 months free Xero for new Xero subscribers

Who can apply for Capital on Tap?

Capital on Tap is available to UK-registered limited companies (Ltd) and limited liability partnerships (LLPs). You must be an active director or majority shareholder (25%+) of the business. Sole traders, partnerships, and charities are not currently eligible.

Your business needs a minimum annual turnover of £24,000 and must have no unpaid County Court Judgments (CCJs). Capital on Tap performs a soft credit check during the application, so it won't affect your credit score until you formally accept an offer.

Is Capital on Tap safe and regulated?

Yes. Capital on Tap is operated by New Wave Capital Limited, which is authorised and regulated by the Financial Conduct Authority under two registrations: FRN 625592 for consumer credit activities and FRN 900922 under the Electronic Money Regulations 2011. The company was founded in London in 2012 and now serves over 200,000 businesses across the UK and US.

How does the Capital on Tap rewards programme work?

Every pound you spend on your Capital on Tap card earns 1 reward point (or 1% cashback as a statement credit). Points can be redeemed for statement credit, Avios, Virgin Points, or gift cards. On the free card, the conversion rate for Avios and Virgin Points is 10 points to 8 miles. If you upgrade to the Pro card (£299/year), you get a 1:1 conversion rate plus airport lounge access, a metal card, and a 10,000-point sign-up bonus.

What are the Capital on Tap referral terms and conditions?

The referee (you) must be a brand new Capital on Tap customer who has never previously held an account. You must apply using the referral link, be approved for a card, and make at least one transaction within 30 days of activating your card. The bonus is either £75 statement credit or 7,500 reward points, depending on your preference. Both the referrer and the new customer receive the same bonus. Referrers can earn up to 10 referral bonuses per calendar month and 100 in their lifetime. Terms were last updated 29 April 2025.

How long does the Capital on Tap referral bonus take?

The £75 bonus or 7,500 points are typically credited to your account shortly after you complete your first qualifying transaction. The application itself takes around two minutes and you'll receive an instant decision in most cases. Your virtual card is available immediately, so you could technically earn the bonus on the same day you apply.

Is there a Capital on Tap promo code?

Looking for a Capital on Tap promo code, referral code, or discount code? Our referral link above works automatically — just click it and the £75 bonus is applied to your application. There is no separate code to copy or enter. Some other sites offer named promo codes, but our referral link provides the same £75 bonus directly. The referral link is the simplest way to claim the offer, as it tracks your application without any extra steps.

Capital on Tap vs Other Business Credit Cards

Capital on Tap stands out against competitors like the Barclaycard Business, American Express Business Gold, and Tide business card. The key advantages are no annual fee combined with 1% uncapped cashback, credit limits up to £250,000, and no FX fees. Most traditional business cards charge annual fees or cap their cashback. The main trade-off is the representative APR of 34.65% variable, so it works best if you clear your balance in full each month to take advantage of the up-to-42-day interest-free period.

Can I refer my own friends after signing up?

Yes. Once you have an active Capital on Tap account, you can find your own unique referral link in your account dashboard. Share it with other business owners and you'll both earn £75 or 7,500 points for each successful referral. You can earn up to 10 referral bonuses per month and 100 over your lifetime — that's up to £7,500 in total referral rewards.