Maximise your Avios, air miles and hotel points

Your questions on our 30,000 points Capital on Tap Visa offer answered

Links on Head for Points may pay us an affiliate commission. A list of partners is here.

Last Tuesday we launched the biggest sign-up offer on the Capital on Tap Business Rewards Visa credit card we have ever seen.

The offer is exclusive to you as a Head for Points reader. You can receive a sign-up bonus of 30,000 points, worth £300 cashback or 30,000 Avios.

You can read more about our Capital on Tap offer here.

HFP Capital on Tap business Visa credit card blue

As a reminder:

  • the card is available to any limited company or LLP with turnover of £24,000+
  • you receive 10,000 points (convertable into 10,000 Avios or £100 cashback) as soon as you make your first purchase
  • you receive a further 20,000 points (convertable into 20,000 Avios or £200 cashback) if you spend £5,000 within three months
  • the day-to-day earning rate is a very impressive 1 point (= 1 Avios or 1p cashback) per £1 spent

As a Visa card, the Capital on Tap Business Rewards card is widely accepted. It also has NO foreign exchange fees. Even if you have an American Express Business card, Capital on Tap is ideal for suppliers who are based abroad or who do not take Amex.

Full details are in our article from Tuesday here.

You can apply via this link.

Your questions, answered

Here are the answers to a number of common questions that readers had about the offer. I thought they were worth sharing in case you had similar queries.

How long does my company need to be trading before I am eligible for the card?

Capital on Tap considers all limited companies which have turnover of at least £2,000 per month, don’t have any unsatisfied CCJs in the last 12 months against them or their business and are based in the UK. There is no minimum period following incorporation as long as your run-rate turnover is £2,000 per month.

Is this card issued and credit checked to the individual applying, or does that liability sit with the limited company?

Capital on Tap consider both your personal and business credit profile during the underwriting process. Applying for a Capital on Tap credit card will not affect your personal credit score. You will have personal liability for charges made to the card.

Can I use the card for non-business expenditure?

This is a business credit card and should be used for business spend.

Someone in my company already has a Capital on Tap card. Would I still get the bonus?

Capital on Tap is only able to offer one account for each business so if your business already has an active account you won’t be approved or be able benefit from this bonus promotion.

I own two Limited Companies. Can I open two cards and get two bonuses, one on behalf of each company?

Yes – Capital on Tap may be able to approve applications from the same applicant for two different businesses that they run.

I / my company previously had a Capital on Tap card but have since closed the account. Am I still eligible for the sign-up bonus?

If your business previously closed a Capital on Tap account prior to January 2022 then it may still be eligible.

You are welcome to submit a new application. These will be assessed on a case-by-case basis. If accepted, you will receive the bonus.

What exchange rate is used on foreign transactions?

Capital on Tap business credit cards come with 0% foreign exchange fees. Any foreign transactions are calculated based on the daily Visa foreign exchange rates, as published on the Visa website.

Can I get the bonus if I sign up for Capital on Tap’s standard card instead of the Business Rewards card?

No. Capital on Tap is only able to offer the bonus to customers signing up for a Business Rewards Credit Card.

You can apply for the Capital on Tap Business Rewards Visa card here. Our exclusive 30,000 points offer runs to 4th February 2022.

Comments (10)

  • Paul says:

    Good news you can get the bonus if previously held & cancelled

  • ajh says:

    Just signed up following all the links but once approved for the account, only showing 10,000 avios for the £5k spend and not 20,000 as documented? Any views?

  • Zoe says:

    How do CoT check your eligibility and turnover?
    Have an LLP that hasn’t been trading a year so havent filed any returns yet bit do have a healthy monthly turnover

  • Jonathan says:

    In case it helps anyone, I have held these cards for the past couple of years having moved from my bank’s cards. I can wholeheartedly recommend Capital on Tap.

    I have two limited companies and have two separate cards for my employees & drivers. The app and website is easy to manage, setting up new cards and setting limits, and blocking if necessary. The cardholder sets their own card up then I add them on the website. Statements are straightforward. £99 per year with no additional cardholder charges. I have earned lots of Avios this way.

    The bonus points got set at the usual levels and the HfP extra bonus points were added on after a Live Chat a little later. Calls and Live Chats have been dealt with efficiently.

  • Greg says:

    I’ve applied 4 times now with a Ltd Co that has been trading for 21 years with a 6 figure turnover and rejected every time. Does anybody else have this problem given both directors experian score is 900+ ?

    • Rob says:

      Drop me a note with the details and we can ask them to take a look. We got one refusal overturned last week.

Leave a comment

Your email address will not be published. Required fields are marked *

Please click here to read our data protection policy before submitting your comment

The UK's biggest frequent flyer website uses cookies, which you can block via your browser settings. Continuing implies your consent to this policy. Our privacy policy is here.