Maximise your Avios, air miles and hotel points

ENDS SUNDAY: Get 30,000 bonus points – worth 30,000 Avios or £300 – with Capital on Tap

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As the offer ends on Sunday, I wanted to give you a final reminder that Capital on Tap has brought back its EXCLUSIVE and generous HfP offer to earn up to 30,000 bonus points with its business credit card.

The offer is running until midnight on Sunday 12th May. You need to be a director or shareholder of a limited company or LLP to take part.

You can earn up to 30,000 bonus points when you take out a Capital on Tap Business Rewards credit card. These points convert at 1:1 into Avios or into 1p of cash. This means you can receive up to 30,000 Avios or £300 as a sign-up bonus!   You can apply here.

Capital on Tap 30,000 points

How does the sign-up bonus work?

You can earn your 30,000 bonus Capital on Tap points in two stages.

Firstly, when you get the Capital on Tap Business Rewards Credit Card by Sunday 12th May, you will get a 10,000 points bonus when you make your first transaction. You’d simply need to buy something as small as a coffee and 10,000 bonus points will be dropped into your account. (You’ll also earn points for buying the coffee as normal!)

To get a further 20,000 points bonus, new cardholders are required to spend £20,000 on their card within the first three months.

For some SME owners, spending £20,000 in three months will not be a problem. However, if you can’t meet this target, you will still get 10,000 bonus points just for making one transaction with your new card.

Remember that you need to apply for the £99 per year Business Rewards card to get this offer, and that 10,000 points converts into £100 cashback or 10,000 Avios.

How to apply for the Capital on Tap Business Rewards Visa

This is a HfP exclusive offer, so you MUST apply via this link.

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

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 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.

This offer is only available to new Capital on Tap customers.

Capital On Tap Business Rewards credit card bonus

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

Alongside the sign-up bonus of 10,000 or 30,000 points, here are some additional reasons that HfP readers may like the Capital on Tap Business Rewards credit card:

  • It’s a Visa card. Capital on Tap credit cards 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 – it’s just based on how much you spend on your card.
  • 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. This is the only Avios-earning credit card, personal or business, which does 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.
Capital on Tap 30,000 points

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

  • UNLIMITED cards for your company, for free – now with assignable Administrator, Accounts or basic Cardholder roles
  • A credit facility of up to £250,000
  • Up to 42 days to pay before interest is incurred on card purchases when you repay in full
  • No UK ATM fees
  • Accounting integrations with Sage, QuickBooks, Xero and more
  • 24/7 customer service

What are the fees and interest rate?

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

With this offer, you can redeem the 10,000 Capital on Tap points earned from your first transaction for £100 cashback or 10,000 Avios, so you have already cancelled out the annual fee.

Your interest rate is based on your business profile and can be as low as 15.5% APR (variable). 


Our Capital on Tap offers have always been appealing to the many HfP readers with their own business. The 30,000 points bonus when you spend £20,000 in the first three months offers real value.

If you can’t spend £20,000 in three months, don’t worry.  Everyone who successfully applies will receive 10,000 points (worth £100 or 10,000 Avios) after their first purchase. Your £99 fee is instantly covered and, because the fee is a tax-deductible expense, the net cost to you will be lower.

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 Capital on Tap in addition to your Amex as it is ideal for use outside the UK (due to 0% FX fees) and at places where American Express is not accepted.

You MUST use this link to apply.

best travel rewards credit cards

Want to earn more points from credit cards? – June 2024 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 February 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:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £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.

Marriott Bonvoy American Express

HUGE 60,000 POINTS BONUS UNTIL 2nd JULY and 15 elite night credits each year Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points (TO 16TH JULY), FREE for a year & four airport ….. Read our full review

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points 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:

American Express Business Platinum

40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

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

Capital on Tap Business Rewards Visa

10,000 points bonus – plus an extra 500 points for our readers 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 Business Credit Card

1% cashback uncapped* on all your business spending (T&C apply) Read our full review

Comments (7)

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

  • Simon Thomas says:

    According to the provider your article is not correct

    Hi Simon,

    I hope this email finds you well.

    I’m sorry but the Head for Points offer is 10,000 points if you spend £5,000 in the first three months. If that is met then the points are added to your account.

    Best wishes,

    • Rob says:

      Jay is confused! This is the standard HfP offer, not the special offer.

      • Simon Thomas says:


        You are right, Jay has realised his mistake.

        Ignore me lol

  • tootsci says:

    I applied this morning and was approved. Used the link and the HFP code was definitely in the correct box on the form. Emails received and the app all say as above, but will hold tight until I receive the card next week and make my first purchase, hopefully the 10k will post fine then.

  • tootsci says:

    @Rob Do you know when the 10k points post after your first purchase?

    • Rob says:

      Not sure. Note that they do not go across to BA until you send them across – they just sit in COT until that time. The transfer is instant once you request it though.

  • tootsci says:

    Thanks. My first transaction was made Saturday, cleared Monday. Another purchase made yesterday and cleared this morning. So far only the CoT points for the purchases themselves, which I know I need to ‘convert’ to Avios manually as you say. I’ll give it until the end of the week and then contact CoT next Monday if nothing showing up by then.

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

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