Capital on Tap promo code: 7,500 bonus points worth £75

What is the Capital on Tap promo code?

startupdeals is a partner promo code for the Capital on Tap business credit card. It's attached to the application link on this page. When you apply through that link, the Capital on Tap promo code is already filled in and you get a welcome bonus of 7,500 points once you're approved and make your first card transaction.

Capital on Tap is a business credit card for UK limited companies and LLPs. It isn't a bank account: it's a line of credit your company spends on and repays. If you're new to business cards, our business credit card guide explains how limits, statements and personal guarantees work before you look at any bonus.

The Capital on Tap promo code doesn't change your credit limit, your rate or the card's fees. Those are set by Capital on Tap's checks and your agreement. The Capital on Tap promo code only adds the welcome points.

Capital on Tap promo code at a glance

How to use the Capital on Tap promo code

1. 1

   Check you're eligible

   Your business needs to be a UK limited company or LLP, active on Companies House, with turnover of at least £24,000 a year. You need to be an active director or own at least 25%.

2. 2

   Apply through our link

   Use the button on this page. The Capital on Tap promo code startupdeals is added to the application automatically. Have your Companies House number ready.

3. 3

   Get your decision

   Capital on Tap says most applicants get a decision in under two minutes, though it sometimes asks for more information. You'll see your limit and terms before you sign.

4. 4

   Make your first transaction

   Once you're approved, you can use a virtual card straight away while the physical card arrives. Your first card transaction triggers the 7,500 bonus points.

If the Capital on Tap promo code isn't showing when you reach the application form, go back and use the button on this page again, because the link carries the code.

We may earn commission if you're approved. Affiliate disclosure

What 7,500 Capital on Tap points are worth

Capital on Tap's rewards terms say you earn one point for every £1 spent on card purchases. Its site describes that as 1% cashback, which means 100 points are worth £1 when taken as cash. So the 7,500-point welcome bonus is worth £75 as cashback.

You don't have to take the Capital on Tap promo code bonus as cash. Capital on Tap lets you:

• take cashback to a bank account in your business or personal name (minimum £10)
• reduce your card balance with them (this doesn't count towards your required monthly payment)
• swap them for gift cards from retail partners
• convert them to Avios or Virgin Points: on the standard plan, 10 points become 8 Avios or 8 Virgin Points. Avios need a British Airways Club or Qatar Airways Privilege Club membership
• convert them to Radisson Rewards or Go Coins, at rates shown in your account

Redemptions can't be reversed, so decide which option suits you before you redeem. Cash is the simplest way to put a value on the bonus.

Who can use the Capital on Tap promo code?

The Capital on Tap promo code is for new Capital on Tap customers. You also need to meet Capital on Tap's card eligibility rules. Its help centre lists these:

• The business is a private limited company (Ltd) or limited liability partnership (LLP)
• Turnover is at least £24,000 a year
• You're an active director, or a shareholder with at least 25% ownership
• You and the business are based in the UK
• No unsatisfied CCJs against you or the business in the last 12 months
• The business isn't in a high-risk industry

Capital on Tap's FAQ also mentions PLCs, and says charities and non-profits can't apply. Sole traders aren't on the list. If you're a sole trader, a business current account is likely to be a better place to start. Our guide on whether sole traders need a business bank account covers the options.

What you get with the Capital on Tap card

The Capital on Tap promo code adds points to a card that already has a fairly full feature list. From Capital on Tap's own pages:

Capital on Tap has a standard plan with no annual fee and a paid Pro plan with an annual fee and extra travel benefits, such as airport lounge access. Pro has its own sign-up bonus, which Capital on Tap says is only for customers who haven't had a sign-up bonus before. If you're thinking about Pro, ask Capital on Tap how the two bonuses interact before you apply.

Interest is charged on balances you don't clear in full, at the rate in your agreement. Capital on Tap shows its current rates on its website, and you'll see yours before you sign. We don't quote rates here because they depend on the applicant. For a full look at the card's strengths and drawbacks, read our Capital on Tap review.

How to keep your Capital on Tap points

Bonus points from the Capital on Tap promo code follow the same rules as any other points on your account. Capital on Tap's rewards terms (updated 8 June 2026) say:

The simplest habit: set up a Direct Debit for the full balance each month. You avoid interest on purchases, protect your points and keep the card working as a short delay on paying rather than a loan.

Capital on Tap promo code or referral code?

You may see two kinds of Capital on Tap bonus mentioned online:

• Partner promo codes, like startupdeals on this page. These come through Capital on Tap's partners and are attached to the application link.
• Refer a Friend links, which existing customers share. Capital on Tap's Refer a Friend terms say referrals must use the customer's unique link.

Both a referral link and a Capital on Tap promo code give a new customer a welcome bonus. Capital on Tap's rewards terms say a sign-up bonus can only be claimed once, so don't expect to stack the two. If a friend who uses Capital on Tap has offered you their link, it's fine to use that instead. The promo code on this page is for anyone who doesn't have a referral link.

Is the Capital on Tap promo code worth it?

A £75 bonus is a nice extra, but it shouldn't be the reason you take on credit. It's likely to be worth it if:

One way to judge the Capital on Tap promo code: the bonus is worth the same as the points you'd earn on £7,500 of normal card spending. If you'd put that through the card anyway, the Capital on Tap promo code doubles the points you'd earn on it.

Mistakes to avoid with the Capital on Tap promo code

• Applying directly rather than through the link. The Capital on Tap promo code is carried in the link, so going straight to Capital on Tap's homepage means it won't be applied.
• Trying to stack offers. A sign-up bonus can only be claimed once under Capital on Tap's rewards terms, so pick the referral link or the Capital on Tap promo code.
• Taking cash out first. Cash withdrawals don't earn points, so make your first transaction a card purchase.
• Missing the first payment. A missed payment can cost you the points you've built up, including the bonus.
• Redeeming in a hurry. Redemptions can't be undone, so check whether you want cash, a balance reduction or travel points.

Pairing the card with a business account

A business credit card works alongside a business current account, not instead of one. You still need an account to get paid, pay bills and repay the card each month. If you haven't got one yet, compare business bank accounts to find one that suits how you work.

Our featured business account partner is Tide, which has a no-monthly-fee plan for limited companies and a sign-up offer of its own. See the Tide promo code page for the conditions, or read our Tide review.

Capital on Tap promo code FAQs

Capital on Tap is a featured partner. We're a referral partner, not a lender, and may earn commission. Affiliate disclosure

Sources

• Capital on Tap: plans, features and legal information (checked 25 October 2026)
• Capital on Tap: rewards terms and conditions (updated 8 June 2026)
• Capital on Tap: eligibility criteria
• Capital on Tap: understanding your personal guarantee
• Capital on Tap: FAQs
• Capital on Tap: Refer a Friend terms
• FCA Financial Services Register