# Capital on Tap review (2026): is the free plan enough?

> Business credit card with built-in expense tracking for UK firms

Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA.

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.

- **Category:** Spend & Bill Pay
- **Made by:** New Wave Capital Limited (trading as Capital on Tap)
- **Website:** https://www.capitalontap.com/en
- **Runs on:** Web, iOS, Android
- **Who should skip it:** Not for you if you are refused credit, because the card needs approval and a credit check.
- **Facts last checked:** Nov 13, 2026

## 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.

- **Pricing model:** Free plan
- **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 | £0 per year | No annual fee. Uncapped 1% cashback, free employee cards, virtual cards, preloading and 24/7 support. |
| Pro | £299 per 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 https://www.capitalontap.com/en on Nov 13, 2026. Prices change, so confirm with Capital on Tap before buying.

## Ways to pay less

- **6 months of Xero free on the Free tier** (Other savings): The Free tier lists 6 months free Xero for first-time Xero subscribers. Source: https://www.capitalontap.com/en

## 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.

## Good for

- UK small businesses that want a credit card with free employee cards
- Teams that keep their books in Xero, QuickBooks, Sage or FreeAgent
- Owners who want travel rewards through Avios or Virgin Points

## 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.

## ToolGPA grades

**GPA: 2.6 out of 4**, graded Nov 13, 2026. 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.

- **Value for money: B.** The 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.
- **Free plan and trial: B.** Free 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.
- **Features: C.** Employee 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.
- **Ease of use: C.** The 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.
- **Platforms and integrations: B.** Web, iOS and Android, with Xero, QuickBooks, Sage and FreeAgent. No desktop app.

These are ToolGPA's own grades. 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.

## Where it 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.

The category's chart of price against score: https://toolgpa.com/charts/expenses

## Keep it, 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.

- You could make: Expense tracking and reports: an app builder makes these well.
- You could not: Cards issued through a bank.
- You could not: A real app for iOS and Android. Something home-made would be a web page.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## What people say

- **App Store rating of the iPhone and iPad app:** 4.9 out of 5 from 5,569 ratings in the United States, read Nov 13, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id1398201114

## Works with

Xero, QuickBooks, Sage, FreeAgent

**Tags:** Expense tracking, Company cards, Reports

## Alternatives

- [Pleo](https://toolgpa.com/tools/pleo): Company spending cards and expense reports from Copenhagen. [Compare](https://toolgpa.com/compare/capital-on-tap-vs-pleo)
- [Soldo](https://toolgpa.com/tools/soldo): Prepaid company cards and spend control for UK and EU teams. [Compare](https://toolgpa.com/compare/capital-on-tap-vs-soldo)
- [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/brex-vs-capital-on-tap)
- [Ramp](https://toolgpa.com/tools/ramp): Corporate cards, expenses, travel and bill pay, with a free plan. [Compare](https://toolgpa.com/compare/capital-on-tap-vs-ramp)
- [Qonto](https://toolgpa.com/tools/qonto): European business account with cards, transfers and invoicing. [Compare](https://toolgpa.com/compare/capital-on-tap-vs-qonto)

## Sources

The prices, plans, platforms and features above were read from these pages on Nov 13, 2026:

- https://www.capitalontap.com/en
- https://www.capitalontap.com/en/business-credit-cards/expense-management/

Page: https://toolgpa.com/tools/capital-on-tap
Listed by ToolGPA (toolgpa.com).