ENDS TODAY: Get 20,000 points (20,000 Avios) with Capital on Tap’s Business Rewards Visa card

UPDATE – JULY 2025:  This credit card article is now out of date, but don’t worry.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

Yesterday we looked at the NEW Capital on Tap Pro credit card for small businesses. It offers you airport lounge access from Priority Pass and top tier VIP hotel status with Radisson Rewards, with free breakfast and ‘best available’ room upgrades.

Our article on the new Pro card is here. If you apply TODAY (Monday) we have a special offer of 30,000 points (worth 30,000 Avios) if you spend £30,000 in three months.

If a £30,000 spend in three months is too high for your business, we also have a special offer on the cheaper (£99) Business Rewards Visa card too. Read on!

Our exclusive 20,000 points sign-up offer also closes today, Monday 9th December.

Capital on Tap is offering an exclusive 20,000 bonus points to HfP readers who apply for the Capital on Tap Business Rewards Visa credit card.

You need to spend £15,000 in three months to receive the full bonus, which is 50% less than you need to spend to receive the bonus on the new Pro card.

(It is also lower than the £20,000 you had to spend in our last Capital on Tap offer. If you let that deal go because you didn’t think you could hit the spend target, you may want to look again now.)

The offer is running until midnight tonight, Monday 9th December. You need to be a director or shareholder of a limited company or LLP to take part. Sole traders cannot hold the card unfortunately.

Your 20,000 bonus points convert at 1:1 into Avios or into 1p of cash. This means you can receive up to 20,000 Avios or £200 as a sign-up bonus! 

You can apply here.

How does the sign-up bonus work?

You can earn your 20,000 bonus Capital on Tap points in two stages.

Firstly, when you get the Capital on Tap Business Rewards credit card by Monday 9th December, you will get a 5,000 points bonus when you make your first transaction, regardless of the amount.  

To get a further 15,000 points bonus, new cardholders are required to spend £15,000 on their card within the first three months.

How to apply for the Capital on Tap Business Rewards Visa

This is a HfP exclusive offer, so you MUST apply via this link with the promo code ‘Head for Points’.

Applications made through the standard Capital on Tap home page will not receive the extra bonus.

Make sure you select the £99 per year Business Rewards card to get this offer.

Do you qualify for this offer?

Readers who are directors or shareholders of a business which is incorporated in the UK as a limited company or LLP are eligible to apply for the Capital on Tap Business Rewards card.

You may qualify for a Capital on Tap Business Rewards credit card if:

• the business is active on Companies House.
• the business has a minimum monthly turnover of £2,000.
• there are no unsatisfied CCJs against you or your business in the last 12 months.

At present, sole traders and regular partnerships cannot apply.

These offers are only available to new Capital on Tap customers.

What are the benefits of the Capital on Tap Business Rewards Visa?

Alongside the sign-up bonus of up to 20,000 points, here’s a reminder of why HfP readers like the Capital on Tap Business Rewards card:

• They are Visa cards, making them the ONLY Visa or Mastercard cards that allow a business to earn Avios (and, of course, are much more widely accepted than American Express for B2B transactions)

• You earn 1 Capital on Tap point per £1 you spend on the card.  There are no restrictions on how many points you can earn or redeem.

• Multiple redemption options. Capital on Tap points can be redeemed for 1 Avios per point, 1p cashback, or gift cards at household retailers like Amazon and John Lewis. The points are instantly redeemable, which means that as soon as your card transaction clears you’ll see your points and can spend them.

• You can preload your account so you can spend beyond your credit limit and earn points on every purchase – no need to spend time repaying every time you get close to the limit.

• You won’t pay FX fees abroad or if you pay for anything in the UK in another currency. These are the only Avios-earning credit cards, personal or business, which do not charge foreign exchange fees when used abroad.

• You get quick points transfers to Avios.  Capital on Tap has virtually instantaneous transfers of points into Avios.  They reach your British Airways Executive Club account as soon as you’ve completed a transfer from your Capital on Tap account. There is no risk of missing out on that reward seat.

• You can cash in your points. 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. If you choose to redeem your points for cash instead of Avios, you should take tax advice on how the cash should be treated – HMRC does not tax points or miles.

On top of these benefits, as a cardholder you would also get:

• Unlimited cards for your company, for free
• A credit facility of up to £250,000
• Up to 42 days to pay before interest is incurred on card purchases
• No UK ATM fees
• Accounting integrations with Sage, QuickBooks, Xero and more
• Discounts at Hertz, Expedia and Superscript
• 24/7 customer support

What are the fees and interest rate?

The annual fee for the Capital on Tap Business Rewards credit card is £99.

Don’t forget that the fee is tax deductible, so the net cost to you will be lower.

You could, if you wished, cash out 10,000 points from your 20,000 bonus points for a £100 cashback credit which would cancel out the annual fee, leaving you with 10,000 points worth 10,000 Avios to spare.

Your interest rate is based on your business profile and can be as low as 14.95% APR variable.

Conclusion

Our Capital on Tap offers have always been appealing to the many HfP readers with their own business. The Capital on Tap Business Rewards Visa card, accepted everywhere and offering points worth 1 Avios per £1 spent, is ideal for everyday business spend.

If you are a frequent traveller (which the majority of our readers are, after all!) then you may want to consider the new Pro card – click here for details – especially if you could easily spend £30,000 in three months to trigger our exclusive bonus. You’d get airport lounge access and VIP status in Radisson Rewards as benefits.

Some business owners reading this may already have a British Airways Accelerating Business American Express, American Express Business Platinum or American Express Business Gold. You should still consider the Capital on Tap Business Rewards or Capital on Tap Pro cards in addition to your Amex as they are ideal for use outside the UK (due to 0% FX fees) and at places where American Express is not accepted.

You must apply by midnight tonight, Monday 9th December, to benefit from the exclusive bonus points offers available on both cards.

Use this link to apply for the £99 Business Rewards credit card and earn up to 20,000 bonus points.

Use this link to apply for the new £299 Pro card, which we reviewed in full yesterday, and earn up to 30,000 bonus points.

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: