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Capital on Tap Business Credit Card review

A simple, flexible business card with two repayment options.

  • 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.
1.0 ★★★★★ (1 review) Write a review


Welcome offer

Up to 1.5%

Cash back


Annual fee


Purchase APR (variable)


Annual fee$0
Welcome offerEarn a $200 welcome offer after you spend $15,000 in your first 3 months
Rewards1.5% cashback on all purchases
Purchase APR24.99% variable
Balance transfer APRN/A
Minimum Credit Score670

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.

Expert review

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.

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. Select 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

  • No annual fee. You’ll pay no annual fee to use this card.
  • Earn cash back. This card earns an unlimited 1.5% cash back on all purchases.
  • Decent welcome offer. Earn a $200 welcome offer after you spend $15,000 in your first 3 months.
  • Employee cards. You can have unlimited 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 to 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 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.

Compare business credit cards

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Name Product Rewards Purchase APR Annual fee
Corpay Mastercard®
1.5% on qualifying spend
The card and payment platform that lets you earn up to 1.5% on all qualifying expenses when you pay your business bills through Corpay One.
Capital on Tap Business Credit Card
1.5% cashback on all purchases
24.99% variable
Earn 1.5% back on all purchases and invest in your business.
Ramp Visa® Commercial Card
1.5% cashback on all purchases
Replace expense reports with unlimited virtual and physical cards. Automate your accounting, lower your bills, and earn 1.5% cash back on everything.

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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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