Capital On Tap Promo Code: Get £75 FREE (May 2026)

Looking for a Capital on Tap promo code that actually works? You’re in the right place.

I’ve been using the Capital on Tap Business Credit Card for my SEO agency, glidemarketing.co.uk, and it’s genuinely one of the best financial tools I’ve added to my business.

Use my promo code below to get 7,500 bonus points (worth £75) when you make your first transaction.

🎁 My Capital on Tap Promo Code

2REFM287Z71

👉 Click here to apply with the bonus already applied

Make your first transaction within 30 days to receive your £75 bonus.

What is Capital on Tap?

Capital on Tap is a business credit card designed specifically for UK small businesses, freelancers, and limited companies. Unlike traditional bank cards that take weeks to approve, Capital on Tap can approve you in minutes and get a card in your hands within days.

Key features:

• Credit limits up to £250,000 – starts lower and increases as you use it
• No personal guarantee required on most cards
• 1% cashback or rewards points on all spending
• Free card – the standard card has no annual fee
• Accepted worldwide – it’s a Visa card
• Real-time spending notifications via the app
• Integrates with accounting software (Xero, QuickBooks, FreeAgent)
• Virtual cards for online spending and subscriptions

Who is Capital on Tap For?

• Freelancers and contractors who need to manage cash flow
• Small business owners who want to separate personal and business spending
• Limited company directors looking for a proper business credit card
• Agencies and consultants who have variable income months
• Anyone who’s been rejected by traditional banks – Capital on Tap is more flexible

I run a small SEO agency and the card has been perfect for managing software subscriptions, ad spend, and general business expenses. The rewards stack up quickly when you’re putting regular spend through it.

How to Apply Using My Promo Code

1. Click my referral link: cashback.capitalontap.com/referral
2. Or enter the promo code manually: 2REFM287Z71 during signup. The field is labelled "Promo code" on step 3 of the application form, just below the business address fields. If you don't see it, refresh the page — Capital on Tap occasionally A/B tests where the field sits.
3. Complete your application – you’ll need your business details and Companies House number (if applicable)
4. Get approved – most decisions are instant
5. Receive your card – usually arrives within 5-7 business days
6. Make your first transaction within 30 days
7. Receive 7,500 points (£75) credited to your account

Eligibility Criteria

You can apply for Capital on Tap if you:

• Run a UK-registered limited company, sole trader business, partnership or LLP.
• Are a UK resident aged 18 or over.
• Are a director, partner or sole trader (you authorise the application on the business's behalf).
• Have a current UK business bank account or, for sole traders, a UK personal current account used for business.

Capital on Tap will typically approve applicants with:

• Six or more months of trading history (newer businesses are sometimes approved with a lower opening limit).
• A clean personal credit profile (no recent CCJs or active bankruptcy).
• A registered UK business address (residential addresses are fine for sole traders).

The initial soft credit search runs against your personal credit file. You see a decision in minutes. Only if you accept the offered credit limit does Capital on Tap run a hard credit check.

Capital on Tap Standard vs Rewards Card

For most small businesses, the standard card pays out more than the £99 fee can ever save on the Rewards card. The Rewards card only wins if you (a) regularly spend in foreign currency, (b) value Avios highly, or (c) put more than ~£20,000/year on the card.

My Honest Experience Using Capital on Tap

I’ve had my Capital on Tap card for over a year now, and here’s what I’ve found:

What I love:

• The app is genuinely good – instant notifications, easy to track spending
• Credit limit increased automatically as I used it responsibly
• Virtual cards are great for managing different subscriptions
• Customer service has been responsive when I’ve needed them
• No awkward conversations with bank managers

What could be better:

• Interest rates are higher than some traditional cards (but you shouldn’t be carrying a balance anyway)
• Initial credit limit might be lower than expected – it grows over time

Overall, it’s become an essential part of how I run Glide Marketing. The separation of business and personal spending alone makes it worthwhile.

Capital on Tap vs Other Business Cards

Frequently Asked Questions

How do I use a Capital on Tap promo code?

Either click a referral link (which applies the code automatically) or enter the promo code in the “Promo Code” field during your application. My code is 2REFM287Z71.

How long until I get my £75 bonus?

You’ll receive 7,500 points (worth £75) within 30 days of making your first transaction. The transaction can be for any amount.

What credit limit will I get with Capital on Tap?

Initial limits vary based on your business finances – typically starting from £1,000 to £10,000. Limits increase automatically as you use the card responsibly. Maximum limit is £250,000.

Does applying for Capital on Tap affect my credit score?

Capital on Tap performs a soft credit check initially, which doesn’t affect your score. A hard check only happens if you proceed with the full application.

Is Capital on Tap worth it for small businesses?

Yes – especially if you want quick approval, no annual fee, and solid rewards. I use it for my own agency and would recommend it to any freelancer or small business owner.

Can I get Capital on Tap as a sole trader?

Yes, Capital on Tap is available to sole traders, partnerships, and limited companies registered in the UK.

Ready to Get Your £75 Bonus?

Use my promo code to get 7,500 points (£75) free:

2REFM287Z71

👉 Apply for Capital on Tap now

If you have any questions about Capital on Tap or want to know more about my experience, feel free to reach out.

Looking for more ways to manage your business finances? Check out my other referral guides:

• Tide — £100 free with a UK business banking account
• Monzo Bank — get up to £50 free with the UK’s best digital bank
• Wise — save on international transfers with real exchange rates
• Revolut — earn up to £200 with fee-free spending abroad

– Mike McDonnell, Founder of glidemarketing.co.uk