Capital on Tap Business Card review |
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Capital on Tap Business Credit Card review

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A simple, flexible business card with an opt-in rewards bonus.

  • Get this card if you want a straightforward flat-rate business card with a potentially high credit limit.
  • Pick something else if you want an intro APR or bigger rewards on your purchases.
  • Apply with a good credit score of 670 or higher.


Welcome offer

Up to 1%

Cash back


Annual fee

9.99% to 34.99%

Purchase APR (variable)


Annual fee$0
Welcome Offer$50 cashback when $5,000 spent in the first 3 months
Rewards1% cashback on all purchases
Purchase APR9.99% to 34.99% variable
Balance transfer APRN/A
Recommended minimum credit score670

Expert review


Review by

Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on, and Lifehacker.

Expert review

The Capital on Tap Business Credit Card is a rather simple Visa Business card with a curious rewards mechanic: you can upgrade or downgrade your card each year from this standard version to the premium version. The standard version of the card requires no annual fee and earns 1% rewards rate on all card purchases, as well as a $50 welcome offer if you spend $5,000 in your first 3 months of card membership. This card also only has two repayment options: the entirety of each month’s statement balance, or a 10% minimum each month.

The card otherwise has a set of features you’d expect from a business card, including up to 20 free supplementary business cards, spend management tools and a credit limit ranging from $1,000 to $50,000. The pain points include the card’s APR, which ranges from a 9.99% to a 34.99% variable. This is an enormous top-end APR for a credit card and can making carrying a balance a non-option if you end up with an APR this high.

How to apply for the Capital on Tap Business Credit Card

You can apply for the Capital on Tap Business Credit Card by doing the following:

  1. Click Apply now.
  2. Click on Business credit cards at the top of the page.
  3. Click on Sign up for free or Get business rewards.
  4. Fill out the requested personal and business information, click on the boxes and click Submit.

To apply you’ll need to have a US registered company with more than three months trading history and an annual turnover of at least $30,000.

What credit score do I need?

To qualify for the Capital on Tap Business Credit Card, you’ll need a good credit score of 670 or higher.

Capital on Tap Business Credit Card benefits

  • Flexible annual fee. You can choose to pay no annual fee or a $199 annual fee to receive additional benefits.
  • Flexible rewards structure. If you choose not to pay an annual fee, you’ll earn 1% cash back on all purchases. Paying the annual fee, on the other hand, earns you 2% cash back on all purchases.
  • Flexible welcome offer. Likewise, you can choose to earn $50 after spending $5,000 in your first 3 months or $199 after you spend $15,000 in your first 3 months, depending on whether you want to pay an annual fee.
  • Employee cards. You can have up to 20 additional business cards at no cost.
  • Spend management tools. Capital on Tap provides several finance management tools to help monitor employee spending.

What to watch out for

  • Potentially high APR. The APR on this card ranges from 9.99% to 34.99% variable, which is much higher than the industry standard.
  • Only two payment options. You must either choose to pay your balance in full each month, or at least 10% of the minimum.

What do customers say about the Capital on Tap Business Credit Card?

As of March 2021, Trustpilot reviews of Capital on Tap give the company a rating of 4.7 out of 5. Customer reviews commend the simplicity of the app and the excellent customer service. The company is not yet accredited by the Better Business Bureau.

Compare business credit cards

Name Product Rewards Purchase APR Annual fee
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
Capital on Tap Business Credit Card
1% cashback on all purchases
9.99% to 34.99% variable
Earn 1% back on all purchases and invest in your business.
Sam's Club® Business Mastercard®
Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
14.9% to 22.9% variable
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases. No personal guarantee required.

Compare up to 4 providers

Bottom line

The Capital on Tap Business Credit Card is a simple and effective credit card for getting rewards on business purchases. However, there are many better business credit cards on the market that offer similar or better rewards and features for similar costs. If you’re looking for more specific features or rewards, you can compare all business card options to find the one for you.

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