Capital on Tap review (2026): is the free plan enough?
Business credit card with built-in expense tracking for UK firms
Black Friday: is there a Capital on Tap sale?
Capital on Tap report card
Good · out of 4.0 · graded Nov 13, 2026
Best for a UK business credit card with expense tools
Capital on Tap is a business credit card with free employee cards, 1% cashback and accounting links. It is a credit card, so you need approval and pay interest, and Pro is £299 a year.
Who Capital on Tap is for
- Fits if you want a UK business card with free employee cards and cashback
- Works for small firms that sync card spending into Xero, QuickBooks or Sage
Who Capital on Tap is not for
- Not for you if you are refused credit, because the card needs approval and a credit check
- Pricey if you carry a balance: rates start at 14.13% APR (variable)
- Skip it if you want a separate expense-report tool, as expense features sit on the card
- Watch out: Pro costs £299 a year, and Avios convert at 10 points to 8 on Free against 1 to 1 on Pro
- Watch out: the page we read is the UK site; a US version is linked but was not read
Why Capital on Tap gets a 2.6
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- BValue for moneyThe Free tier has no annual fee and Pro is £299 a year. Free sits well under what expense tools cost, though the card itself carries interest from 14.13% APR.
- BFree plan and trialFree is £0 a year, with unlimited employee cards, 1% cashback and no foreign exchange fees. You still need a credit check to get the card.
- CFeaturesEmployee and virtual cards, accounting sync, receipts in the app, spending limits and roles. There is no separate expense-report tool; the features hang off the card.
- CEase of useThe page quotes 4.9 on the App Store without a count, so we don't count it. Setup includes a credit application and an accounting link.
- BPlatforms and integrationsWeb, iOS and Android, with Xero, QuickBooks, Sage and FreeAgent. No desktop app.
What these grades rest on. Graded from this listing, whose facts were read from Capital on Tap's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/capital-on-tap#review"><img src="https://toolgpa.com/badge/capital-on-tap.svg" alt="Capital on Tap: 2.6 GPA on ToolGPA" width="196" height="56"></a>Where Capital on Tap stands among spend and bill pay tools
Capital on Tap's GPA of 2.6 is higher than 58 of the 76 other spend and bill pay tools we grade, and level with 5.
It stands best on free plan and trial (B, above 62 of 76) and worst on ease of use (C, above 0).
Its paid plans start at about $33.39 a month, against a middle price of $12 for the category: 29 of the 36 others that charge start lower.
On features, ease of use and platforms it scores 2.3 out of 4. 15 tools score higher and cost less.
Each grade against the category
Every bar is all 77 spend and bill pay tools we grade, cut by the letter each got. Capital on Tap’s own letter is outlined.
- BValue for moneyAbove 61 of 76, level with 8
- BFree plan and trialAbove 62 of 76, level with 8
- CFeaturesAbove 4 of 76, level with 56
- CEase of useAbove 0 of 76, level with 64
- BPlatforms and integrationsAbove 18 of 76, level with 57
Price against what you get
Each dot is one of 39 spend and bill pay tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Keep Capital on Tap, or make your own?
Keep it
To replace Capital on Tap you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
It is one of the better ones too: its GPA of 2.6 is higher than 58 of the 76 other spend and bill pay tools we grade. It costs $400.63 a year.
What you could make
- Expense tracking and reports: an app builder makes these well.
What you could not
- Cards issued through a bank.
- A real app for iOS and Android. Something home-made would be a web page.
What this rests on. Capital on Tap’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Capital on Tap?
Capital on Tap issues a business credit card, with free employee cards and virtual cards, and tracks the spending in an app that syncs with accounting software. Its UK site lists a free tier with no annual fee and a paid Pro tier with travel perks, subject to credit approval.
Worth knowing
- It is a credit card, so approval depends on a credit check; limits go up to £250,000 and rates start at 14.13% APR (variable).
- The UK site prices in pounds; a separate US version of the site is linked but was not read.
- Expense features are attached to the card and its app; there is no separate expense-report tool.
- Pro costs £299 a year; Avios and Virgin Points convert at 10 points to 8 on Free and 1 to 1 on Pro.
Key features
- Employee and virtual cards
- Free, unlimited employee cards with their own spending limits, and virtual cards that work as soon as an application is approved.
- Automatic accounting sync
- Transactions sync daily to Xero, QuickBooks, Sage or FreeAgent, and are sorted into categories automatically.
- Receipts in the app
- A receipt can be photographed and attached to its transaction in the mobile app, which also shows team spending in real time.
- Spending limits and alerts
- Limits can be set per transaction or per month for each team member, and the account owner gets an alert whenever a card is used.
- Cashback and preloading
- Cards earn 1% cashback. Preloading adds your own funds to the account to spend past the credit limit, and still earns cashback.
- Team access roles
- Bookkeepers, accountants and staff can be given separate access levels, such as managing credit to issue team cards.
Capital on Tap pricing
As of Nov 13, 2026, Capital on Tap has a free plan, and paid plans start at £299 per year, billed annually (Pro); Free tier £0 per year.
- Starts at
- £299 per year, billed annually (Pro); Free tier £0 per year
- Free plan
- Free: £0 a year, no annual fee, with unlimited free employee cards, 1% cashback and no foreign exchange fees.
- Free trial
- None listed
| Plan | Price | What you get |
|---|---|---|
| Free | £0per year | No annual fee. Uncapped 1% cashback, free employee cards, virtual cards, preloading and 24/7 support. |
| Pro | £299per year, billed annually | Adds 1.25% on preloaded spend, a metal card, airport lounge access, a Times subscription and a 10,000-point welcome bonus. |
Read from capitalontap.com on Nov 13, 2026. Prices change, so confirm with Capital on Tap before you buy.
Ways to pay less
- Other savings6 months of Xero free on the Free tier
The Free tier lists 6 months free Xero for first-time Xero subscribers.
Stated on capitalontap.com
How people rate the Capital on Tap app
4.9
out of 5 for the iPhone and iPad app
- 5 stars94%
- 4 stars2%
- 3 stars<1%
- 2 stars<1%
- 1 star2%
5,569 ratings on the App Store in the United States, read Nov 13, 2026. It rates the app, not everything the product does. See the listing
Works with
- Xero
- QuickBooks
- Sage
- FreeAgent
Capital on Tap alternatives
- Capital on Tap vs Pleo
From $12/mo
- Capital on Tap vs Soldo
Free trial · from £27/mo
- Capital on Tap vs Brex
Free plan · from $12/mo
- Capital on Tap vs Ramp
Free plan · from $15/mo
- Capital on Tap vs Qonto
Free trial · from €9/mo
Common questions
Does Capital on Tap have a Windows app?
No Windows app was listed when its pages were read on Nov 13, 2026. Capital on Tap is listed for Web, iOS and Android.
Does Capital on Tap have a macOS app?
No macOS app was listed when its pages were read on Nov 13, 2026. Capital on Tap is listed for Web, iOS and Android.
Is Capital on Tap open source?
Capital on Tap is not described as open source on its own site, as read on Nov 13, 2026.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 13, 2026. What people say is linked where it appears.