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

UPDATE – JULY 2025:  This credit card article is now out of date, but don’t worry.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.

SPECIAL OFFER: Until 15th July 2025, the sign-up bonus on the Marriott Bonvoy American Express Card is TRIPLED to 60,000 Marriott Bonvoy points. This would convert into 25,000 Avios or into 40 other airline schemes. It would also get you at least £300 of Marriott hotel stays based on our 0.5p per point low-end valuation. Other T&C apply and remain unchanged. Click here for our full card review and click here to apply.

SPECIAL OFFER: Until 14th August 2025, the sign-up bonus on the Hilton Honors Plus debit card is TRIPLED to 30,000 Hilton Honors points. You will also receive Gold Elite status in Hilton Honors for as long as you hold the card. Click here for our full card review and click here to apply.

Keep up to date with the latest UK credit card bonuses by signing up for our free daily or weekly newsletters.

Got an SME? Tomorrow (Sunday) is your last day to jump on our EXCLUSIVE special sign-up offer on the Capital on Tap Business Rewards Visa credit card.

The offer is just for 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. Remember that your business needs to be set up as a limited company or LLP to apply – unfortunately sole traders are not accepted.

You need to apply by midnight on Sunday 12th May. Time is running out.

As a reminder:

• the card is available to any limited company or LLP with annual turnover of at least £24,000

• you receive 10,000 points (convertible into £100 cashback or 10,000 Avios) as soon as you make your first card purchase

• you receive a further 20,000 points (convertible into £200 cashback or 20,000 Avios) if you spend £20,000 on your card within three months

• the day-to-day earning rate is 1 point for every £1 spent, and the redemption rate is a very impressive 1% – 1 point (= 1p cashback or 1 Avios).

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 main offer article which you can read 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. They run a visible search on your business file and the impact of that will depend on how other lenders view the search. You will have personal liability for charges made to the card.

When do I need to spend by, and how much do I need to spend to get the bonus?

You need to apply by tomorrow, Sunday 12th May, and make one purchase in the three months after your application to be eligible for the 10,000 points bonus. You need to spend £20,000 in the three months after your application to be eligible for the 20,000 bonus points.

You can take out an instantly available virtual card once you’re approved and have completed onboarding, which will allow you to start spending immediately and before your physical card arrives.

When will I get the bonus points?

Bonus points after each eligible spend milestone will be credited within 14 days of that spend being cleared on the account.

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 to benefit from this bonus promotion.

Will I earn points on my card spending on top of the bonus points?

Yes – the bonus points are in addition to points you earn from card spending. This means e.g. if you spend £20,000 in your first 3 months, you’ll get:

• 10,000 bonus points for making your first transaction as part of this offer
• 20,000 ‘normal’ points for spending £20,000 on your card
• 20,000 bonus points for hitting the spend amount on this offer

This means that your first £20,000 of spending will earn you 50,000 Avios, as long as you complete it within three months.

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 ends tomorrow evening, Sunday 12th May 2024.

PS. If you are not a regular Head for Points visitor, why not sign up for our FREE weekly or daily newsletters? They are full of the latest Avios, airline, hotel and credit card points news and will help you travel better. To join our 70,000 free subscribers, click the button below or visit this page of the site to find out more. Thank you.

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Want to earn more points from credit cards? – July 2025 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In 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:

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

SPECIAL OFFER: Until 15th July 2025, the sign-up bonus on the Marriott Bonvoy American Express Card is TRIPLED to 60,000 Marriott Bonvoy points. This would convert into 25,000 Avios or into 40 other airline schemes. It would also get you at least £300 of Marriott hotel stays based on our 0.5p per point low-end valuation. Other T&C apply and remain unchanged. Click here for our full card review and click here to apply.

SPECIAL OFFER: Until 14th August 2025, the sign-up bonus on the Hilton Honors Plus debit card is TRIPLED to 30,000 Hilton Honors points. You will also receive Gold Elite status in Hilton Honors for as long as you hold the card. Click here for our full card review and click here to apply.

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers: