Maximise your Avios, air miles and hotel points

Why our Capital on Tap Visa 30,000 points promo may work for you even if you can’t spend £5,000

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UPDATE – MAY 2022:  This article is now out of date, but don’t worry.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.

The Platinum Card from American Express has doubled its sign-up bonus to 60,000 Membership Rewards points, which convert to 60,000 Avios, if you apply by 1st June 2022. You can apply here.

Last month we launched the biggest sign-up offer on the Capital on Tap Business Rewards Visa Credit Card that we have ever seen. Today, Friday 4th, is your last day to apply.

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

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

You can apply here – but you must apply on Friday.

HFP Capital on Tap business Visa credit card blue

As a reminder:

  • the card is available to any limited company or LLP
  • 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.

Capital on Tap Avios offer

Why you may want to get the card even if you can’t spend £5,000 in three months

When you look at the details of this offer, your eye is probably drawn to the second part of the bonus – ‘earn 20,000 points for spending £5,000 in three months’.

For some limited company owners who read Head for Points, this may be a squeeze. You may still want to apply, however

Even if you can’t spend £5,000 in three months to earn the second part of the bonus, the offer may still work for you.

Everyone will earn 10,000 points with their first purchase

The first part of the bonus will be triggered by everyone. Once you have made your first purchase on your Capital on Tap Business Rewards Visa, you will receive 10,000 points – even if you only bought a cup of coffee. This can be converted to £100 cashback or 10,000 Avios.

You keep this part of the bonus even if you don’t manage to trigger the second part.

The annual fee on the Capital on Tap Business Rewards Visa is £99. Depending on your tax rate and how you withdraw cash from your company, the net cost to you will be lower than £99.

This means:

  • you have paid less than £99 (due to the tax deductibility of the fee) to receive 10,000 Avios, if you choose to convert your Capital on Tap points to Avios
  • you will have a Visa card in your wallet which will earn you 1 Avios or 1p cashback on all of your business spending over the next 12 months
  • you will have a Visa card in your wallet with 0% FX fees, which is valuable if you are paying for products or services for your business in other currencies

This is a decent deal in my view.

The initial 10,000 points bonus means that the card is effectively free for the first year and you should be able to pick up a good number of points during that time. After a year you can reassess whether it is worth keeping.

How to apply

Full details of our Capital on Tap offer are in our introductory Capital on Tap Visa article here.

Remember you need to have a Limited Company or LLP in order to apply.

You MUST apply via this special link to receive the two-part bonus of 10,000 points with your first purchase and 20,000 additional points if you spend £5,000 in 90 days. The offer ends tonight, 4th February.


Want to earn more points from credit cards? – May 2022 update

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

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards. You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus 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 card

Barclaycard Avios Mastercard

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

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.

The Platinum Card has doubled its sign-up bonus to 60,000 Membership Rewards points, which convert to 60,000 Avios or other airline miles, if you apply by 1st June 2022.

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

American Express Amex Gold

American Express Preferred Rewards Gold

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

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points (SPECIAL OFFER) and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

30,000 points bonus (SPECIAL OFFER) and 1.5 points for every £1 you spend Read our full review

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:

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

American Express Business Gold

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

British Airways Accelerating Business American Express card

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

Capital on Tap Visa card

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

1% cashback (3% on business travel for four months) and no annual fee Read our full review

Comments (12)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Gary says:

    two people under the LLP as per company house. If only one wants the card, would the other partner be liable for spending on the card too? If both want the card, can they have separate main cards, or one will get supplementary? Can the monthly statements go to each of their own residential addresses, or must go to the registered business address?

  • Pb says:

    Any chance you could persuade them for those of us with no need for LLP or Limited ?

  • Danksy says:

    Is the spend related bonus triggered if the capital facility (transfer to business bank account) is used? Or just the visa transactions?

  • Lindsay East says:

    I applied using the name of my small consultancy business, which has a substantial bank balance, and has never been overdrawn. The application was turned down as not creditworthy! Incidentally my personal current accounts are substantially in credit, and have never been overdrawn, as well. Makes you wonder!

  • Rob P says:

    Rob, I applied in this last week using your link and on the login page it says spend £5000 to get 10,000 rewards. Is this just a glitch with their system and I should get credited with the correct amount?

    • Rob says:

      You’re fine. CoT, like Amex, isn’t able to adjust their IT so that special bonuses offers show in your tracker. If there are any issues after you’ve spent £5k, let us know and we will sort it – although it should be fine.

  • Martin says:

    Can you card be used on Curve for payment of VAT like VIRGIN credit card

  • CarpalTravel says:

    Have applied and got a “We just need to check a few more details before we can provide you with a decision.” message. I presume that subject to it being successful all will be ok, promo wise?

    Seems like an obvious one but I have had a look through all articles + chats since 4th Jan and not seen anyone ask, so thought I would.

    • CarpalTravel says:

      Scrub that, just had my approval through! It indicated a 2 working day wait, clearly someone is working hard on a Friday!

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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