Capital on Tap announces positive changes to its Avios-earning payment cards

UPDATE – JULY 2025:  This credit card article is now out of date, but don’t worry.  We produce a monthly directory of the top UK travel credit card offers – please click HERE or use the ‘Credit Cards’ menu above.  Thank you.

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Capital On Tap finally announced the improvements to its two cashback or Avios-earning payment cards yesterday.

New applicants have been receiving the new cards for a couple of weeks now, but the official announcement and website switch had been delayed.  To avoid confusion, we didn’t mention it until now.

I will do a full article for Friday.  However, to summarise:

the two existing cards will be merged into one, called Business Rewards, retaining the best of both products

this is good news for holders of the £99 card, previously called Capital Club, who will now earn 1p of cashback or 1 Avios per £1 spent (currently 0.5p or 0.5 Avios)

this is good news for holders of the £199 / £249 card, previously called On Tap Club, who will see the fee reduced to £99

The sign-up bonus will be £100 cashback or 10,000 Avios (10,500 if you use our code below) for spending £5,000 in three months.

This makes the card VERY attractive to anyone with a small business of any sort:

your £99 annual fee in Year 1 is fully covered by the 10,500 Avios earned

if you take Avios instead of cashback, you will have the market-leading Avios earning rate on a Visa or Mastercard of 1 Avios per £1 spent

You can continue to get an additional £5 cashback or 500 Avios as a sign-up bonus (taking your total bonus to £105 or 10,500 Avios) by using promo code headforpoints when you apply.  The sign-up page is here.

The website was due to update overnight with details of the new card.

A full article will follow very soon.  We will also look at how the Capital On Tap Business Rewards card, at £99, compares with the £210 British Airways American Express Accelerating Business (BA Business) card.

You can apply for the Capital On Tap card here – don’t forget the headforpoints promo code.

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How to earn Avios from UK credit cards (July 2025)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus Card

30,000 Avios and the famous annual Companion Voucher voucher Read our full review

British Airways American Express Credit Card

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

American Express Preferred Rewards Gold Credit Card

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

50,000 bonus points and great travel benefits – for a large fee Read our full review

Run your own business?

We recommend Capital on Tap for limited companies. You earn points worth 0.8 Avios per £1 on the FREE standard card and 1 Avios per £1 on the Pro card. Capital on Tap cards also have no FX fees.

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

There is also a British Airways American Express card for small businesses:

British Airways American Express Accelerating Business Card

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

The American Express Business Platinum Card

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

The American Express Business Gold Card

20,000 points sign-up bonus and FREE for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.