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$200
Welcome offer
Up to 1.5%
Cash back
$0
Annual fee
24.99%
Purchase APR (variable)
Review by
Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.
The Capital on Tap Business Credit Card is a rather simple Visa Business card that requires no annual fee and earns 1.5% rewards rate on all card purchases, as well as a $200 welcome offer if you spend $15,000 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 unlimited 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 to a 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.
For a product with no annual fee, this is a perfectly adequate business card. Until recently there was also a rather lackluster premium option that offered 2% cash back for an annual fee, though Capital on Tap has since merged both card offerings into the card you see before you. If you’re looking for a simple, cheap business card with a potentially big credit limit, the Capital on Tap Business Credit Card is certainly worth a look.
You can apply for the Capital on Tap Business Credit Card by doing the following:
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.
To qualify for the Capital on Tap Business Credit Card, you’ll need a good credit score of 670 or higher.
As of September 2021, Trustpilot reviews of Capital on Tap give the company a rating of 4.8 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.
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.