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

How to earn Avios from UK credit cards (January 2023)
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
25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review

Barclaycard Avios Mastercard
5,000 Avios for signing up and an upgrade voucher for spending £20,000 Read our full review
There are two official British Airways American Express cards with attractive sign-up bonuses:
SPECIAL OFFER: Until 21st February 2023, the sign-up bonus on the British Airways Premium Plus American Express card is increased to 35,000 Avios from 25,000 Avios. You can apply here.

British Airways American Express Premium Plus
35,000 Avios (ONLY to 21st February) and the famous annual 2-4-1 voucher Read our full review

British Airways American Express
5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £12,000 Read our full review
You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points.

American Express Preferred Rewards Gold
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
30,000 points and unbeatable travel benefits – for a fee Read our full review
Run your own business?
We recommend Capital On Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,500 Avios.
SPECIAL OFFER: Capital On Tap has increased its sign-up bonus to points worth 30,000 Avios if you apply by 4th February. This is exclusive to Head for Points readers. Click here to apply.

Capital On Tap Business Rewards Visa
Get a 30,000 points bonus, worth 30,000 Avios, until 4th February 2023 Read our full review
You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

British Airways Accelerating Business American Express
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.

American Express Business Platinum
40,000 points sign-up bonus and a £200 Amex Travel credit every year Read our full review

American Express Business Gold
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.