Introduction to Capital on Tap: The Ultimate Business Credit Card for UK SMEs
Capital on Tap offers UK SMEs an unparalleled business credit card with features like uncapped 1% cashback, no annual fees, and seamless software integration. You can issue unlimited employee cards with customisable limits, helping manage your team’s spending effortlessly. Users rave about the real-time expense tracking and virtual cards that enhance financial control. With a swift two-minute online application and strong customer support, Capital on Tap ensures your business finances run smoothly. High customer ratings on platforms like Trustpilot reflect widespread satisfaction. Uncover how these features can transform your business financial management ahead.
Key Takeaways
- Uncapped 1% cashback on all purchases boosts savings for UK SMEs.
- No annual fees help reduce business expenses.
- Seamless integration with popular accounting software simplifies financial tracking.
- Unlimited employee cards with customizable spending limits enhance budget control.
- FREE £75 cash using Capital on Tap promo code: 2REFF362E24 during sign up.
Key Features and Benefits
Capital on Tap’s business credit card offers UK SMEs a range of key features and benefits designed to streamline financial management and enhance spending power.
One standout feature is the uncapped 1% cashback on all purchases, allowing you to earn rewards on every transaction without any limits. This can significantly boost your business’s savings over time.
Another major advantage is the absence of annual fees. You won’t have to worry about additional costs eating into your budget, making it easier to manage your expenses. Additionally, you can preload your account to enhance your spending power, enabling purchases beyond your credit limit while still maintaining control over your finances.
The card also provides unlimited employee cards at no extra cost. This gives you the flexibility to empower your team members with their own cards while setting spending limits to ensure controlled expenses.
Integration with popular accounting software like Sage, Xero, and FreeAgent ensures seamless expense tracking. Daily auto-syncing with these platforms helps you maintain accurate financial records effortlessly.
These features collectively make Capital on Tap’s business credit card a powerful tool for managing your business finances efficiently, giving you the flexibility and control you need to grow.
Customer Ratings and Reviews
With an impressive 4.9/5 rating on both the Apple App Store and Google Play Store, Capital on Tap’s business credit card clearly satisfies its users. The overwhelmingly positive feedback highlights just how effective this card is in meeting the needs of UK SMEs. On Trustpilot, Capital on Tap also shines with a 4.7/5 rating based on over 13,500 reviews, signaling consistent customer satisfaction.
Users rave about the uncapped 1% cashback on all card spending, which significantly boosts the card’s appeal. Business owners mention that this feature helps them save money while managing daily expenses.
The convenience of virtual cards, spend controls, and seamless integration with popular accounting software are other features that get a lot of praise. These tools make it easier for businesses to monitor and manage their finances efficiently.
Many positive customer stories highlight how Capital on Tap has been instrumental in improving cash flow and managing business expenses. Users appreciate the card’s reliability and the tangible benefits it brings to their operations.
If you’re looking for a business credit card that genuinely supports SMEs, Capital on Tap’s stellar reviews speak for themselves.
Eligibility and Application
To qualify for the Capital on Tap Business Credit Card, your business must be registered as a Ltd or LLP with an annual turnover of at least £24,000. Unfortunately, sole traders can’t apply for this card. Make sure your business meets these criteria before proceeding.
The application process is straightforward and quick, taking roughly two minutes online. During the application, Capital on Tap will perform a hard credit search on your business and a soft credit check on you personally. This ensures they can assess your creditworthiness without impacting your personal credit score significantly.
Once approved, you can expect to receive your card within approximately two business days. This rapid turnaround allows you to start managing your business expenses almost immediately.
Just make sure your business has a current account and no outstanding County Court Judgments (CCJs), as these are crucial for eligibility.
Managing Business Spending
Small businesses can easily track and control their expenditures using real-time visibility and smart controls offered by the Capital on Tap platform. You can set individual spend limits for employees, ensuring their purchases stay within your budgetary constraints. This feature helps you maintain financial oversight and prevents any unexpected expenses from derailing your budget.
With Capital on Tap, you’ll enjoy instant tracking of card spending. This means you can monitor expenses as they occur, giving you a clear picture of your financial status at any moment. The platform also offers virtual cards, allowing for immediate purchases while still keeping your overall spending strategy intact.
Additionally, Capital on Tap integrates seamlessly with popular accounting software like Sage, Xero, and FreeAgent. This integration means your expenses auto-sync, making financial management more efficient and less time-consuming. By having all your spending data in one place, you can streamline your accounting processes and focus on what really matters: growing your business.
In essence, Capital on Tap provides the tools you need to manage your business spending effectively, ensuring you always have a handle on your financial health.
Support and Resources
Beyond managing your business spending, Capital on Tap ensures you have robust support and resources to maximise the benefits of your business credit card. They offer a comprehensive support system featuring a blog, guides, and customer stories designed to help you make the most of your card’s features.
Need immediate assistance? You can reach their 24/7 phone support at 020 8962 7401, ensuring that help is always just a call away. If you prefer online communication, their chat support is available daily from 8 am to 8 pm, providing timely responses to your questions. For quick answers to common queries, the FAQ section is a handy resource that enhances your overall support experience.
Capital on Tap also provides resources related to the Bounce Back Loan Scheme, helping your business navigate financial options during challenging times. These resources can be invaluable, especially when you need to make informed decisions quickly.
With such a comprehensive range of support and resources, Capital on Tap goes beyond merely offering a business credit card. They ensure you have the tools and assistance needed to thrive in any financial climate.
Frequently Asked Questions
Is Capital on Tap Business Rewards Worth It?
Yes, Capital on Tap Business Rewards is worth it.
You get 1% cashback on all purchases with no limit, which means more rewards for your business.
The welcome bonus of 10,000 points for spending £5,000 in the first three months is a great perk.
Don’t forget the FREE £75 cash when signing up using the capital on tap promo code listed on this site.
Plus, you can issue unlimited free cards to employees with custom spending limits, and it integrates seamlessly with accounting software like Sage, Xero, and FreeAgent.
What Is Capital on Tap Card?
The Capital on Tap card is a business credit card tailored for UK SMEs.
You get credit limits up to £250,000 and earn uncapped 1% cashback on all purchases.
You can preload funds to spend beyond your limit, making cash flow management easier.
It integrates with Sage, Xero, and FreeAgent for seamless expense tracking.
Plus, there are no annual, foreign exchange, or ATM fees, offering a cost-effective solution for your business.
Is Capital on Tap Only for Ltd Companies?
Yes, Capital on Tap is primarily for Ltd companies, LLPs, and corporations.
If you run a sole proprietorship, you won’t qualify. Your business needs to be an active legal entity with an annual turnover of at least £24,000.
High-risk industries like arms or gambling aren’t accepted.
Plus, the owner or majority shareholder has to apply, and personal credit scores might be checked during the approval process.
Who Is Capital on Tap Owned By?
Capital on Tap is owned by Capital on Tap Limited, a UK-based financial services company.
You’ll find that it’s not just another financial entity; they’ve been around since 2012 and serve over 200,000 small business customers.
Private investors and stakeholders back the company, all committed to supporting SME growth.
Operating under the Financial Conduct Authority’s regulations, they’ve partnered with various financial institutions to enhance their services.
Conclusion
With Capital on Tap, your business gets a powerful tool to streamline finances and boost growth.
You’ll love the top-notch features, stellar customer reviews, and straightforward application process.
Managing your business spending has never been easier, and the support resources ensure you’re never alone.
Ready to take your SME to the next level? Capital on Tap is your perfect partner on this journey to success.
Don’t wait—make the smart choice today!
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Go To The CapitalonTapCode homepage for more details on our amazing £75 FREE offer here
Or go directly to Capital On Tap and sign up for the offer using a prepopulated Capital on Tap referral here