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NEW: Get a bonus worth 29,900 Avios or £299 with Capital on Tap’s Business Rewards Visa

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I’m delighted to launch an exclusive Head for Points sign-up bonus on the Capital on Tap Business Rewards Visa Credit Card.

This is the biggest exclusive credit card deal we have ever offered.

Here’s the one sentence summary:

Apply now and you will receive a sign-up bonus of 29,900 Capital on Tap points (worth 29,900 Avios or £299) as a HfP reader, for an annual fee of just £99.

HFP Capital on Tap business Visa credit card blue

You receive 9,900 points after your first transaction – offsetting the annual fee – and a further 20,000 points when you spend £5,000 within three months of sign-up.

You can apply here (and only here – don’t use the standard Capital on Tap home page).

Do you qualify for this offer?

This offer is limited to readers who have a business which is run through a limited company or LLP.

At present, sole traders and regular partnerships cannot apply unfortunately.

How to apply for the Capital On Tap Business Rewards Visa

This special offer is exclusive to Head for Points readers.

You MUST apply via this special link.  Applications made via the standard Capital on Tap home page will not receive the extra bonus.

The closing date is 20th May 2021.

What is special about the Capital on Tap Business Rewards Visa card?

Apart from the huge sign-up bonus of 29,900 points (= 29,900 Avios or £299 cashback), there are four things about this card which make it stand out:

it is the ONLY Visa or Mastercard which allows a business to earn Avios

it is the only Avios-earning credit card, personal or business, which does not charge foreign exchange fees when used abroad

it is the only UK Avios partner which has virtually instantaneous transfers of points.  They reach your British Airways Executive Club account as soon as you instigate a transfer from your Capital on Tap account.

if you decide you don’t want any more Avios at any time, Capital on Tap will let you cash in your non-transferred points for 1p per point of real money

As you can see, it is an impressive package.

The annual fee for the card is just £99, which is tax deductible.  

Interest rate information:  Your interest rate is based on your business profile and can be as low as 9.9% APR.  The standard interest rate for marketing purposes is 39.9% APR.

Avios wing 15

What is the exclusive Head for Points sign-up offer?

Between 20th April and 20th May, you will receive 29,900 Capital on Tap points (transferable into £299 of cashback or 29,900 Avios) when you sign up.

The bonus will arrive in two parts:

9,900 points will arrive soon after you have made your first transaction, which effectively covers your tax deductible £99 annual fee straight away

20,000 points will arrive when you spend £5,000 within three months of receiving the card

For clarity, you will keep the initial 9,900 points even if you fail to spend £5,000 to earn the additional 20,000 points bonus.  It is still worth applying even if you think that £5,000 of spending within three months won’t be possible.

What do I earn on my day to day spending?

Going forward, you earn 1 Capital on Tap point per £1 you spend.

These are redeemable for 1p cashback or 1 Avios per point.

As an added benefit, this is the ONLY Avios-earning credit card which does not charge foreign exchange fees when used abroad.  It is a great card to use if your business spends money outside the UK.

There is an annual fee of £99.

Who is Capital on Tap?

Whilst you may not have heard of Capital On Tap, it has provided over £2 billion of funding for over 120,000 UK businesses.  The company has recently expanded into Spain and the US.

They launched their Avios-earning Business Rewards Credit Cards in 2018 and they have been very popular with SME-owning Head for Points readers ever since.

Feedback on the company has been positive.  Head for Points has a dedicated point man who is able to help with any issues which readers may come across.

What other benefits do you get as a cardholder?

As well as a strong 1 point per £1 earning rate and the huge 29,900 points sign-up bonus, there are some other good benefits too:

20 free supplementary cards for your staff

a credit limit of up to £100,000

up to 56 days to pay before interest is incurred on card purchases when you repay in full

No FX fees and no UK ATM fees

account integrations with Sage, QuickBooks, Xero and more 

Who can apply?

To apply, you must have a UK limited company or LLP with turnover of £24,000+.

Sole traders and partnerships are not, unfortunately, able to apply at the present time.

Applicants must not have a CCJ against themselves or their business in the past 12 months.


If you have a limited company or LLP, you should have a serious look at Capital on Tap:

for the first year, it is a no-brainer – until 20th May, you are getting 29,900 Capital On Tap points, redeemable for £299 or 29,900 Avios, as a sign-up bonus in return for an annual fee of £99

you receive 9,900 points shortly after your first transaction, which instantly covers your annual fee for the first year

you have three months to spend the £5,000 required to receive the remaining 20,000 points

the £99 annual fee is a tax deductible expense so the net cost to you will be lower

even if you have a British Airways Accelerating Business American Express, American Express Business Platinum or American Express Business Gold, it is worth getting this card to use outside the UK and at places where Amex is not accepted

You MUST apply via this special link to qualify for the 29,900 points bonus.

The closing date is 20th May 2021.

If you have any questions, please post them in the comments below.  If we don’t know the answers we will feed them back to Capital on Tap and get back to you.

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

Comments (92)

  • Fred says:

    Curious. For a Ltd Co, how strict are they on the 24k turnover? Indeed how do they verify this aspect; does someone actually look-up and read the Ltd Co historical accounts? (which could be up to two years out of date)

    • Rob says:

      You have personal liability for the debt, so I imagine they will take you on trust as long as you personal financial position is good.

  • Steve Inglis says:

    Hi just applied but the bonus points is only showing 10000 not the 29900 is there a problem

    • Rob says:

      No, don’t worry. This is part of COTs system and they can’t change it. You WILL get the points OK though – and if you don’t, we’ll fix it for you.

  • Dominik N says:

    Hi Rob,
    I always applied and got accepted. No sign of the increased sign up bonus anywhere.

    can you have a look for me please to confirm everything is alright?

    • Rob says:

      If you went via our landing page it will be fine. You will find out fairly quickly after your first purchase anyway. If its not fine, we can fix it easily.

  • letsflyaway says:

    Hello – does anyone know when you can cancel and rejoin again?


    • Rob says:

      There is no fixed rule. If you cancel and choose to rejoin, your application is looked at manually. They will consider the time since you cancelled, how much you spent last time and the current bonus (and therefore cost to them) and then make a decision.

  • Stephen Inglis says:

    Just to say i have received my extra bonus points 24hours after spending over 5k


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