Looking for more travel hacks and credit card perks? For our entire collection of reviews and guides, click here. This could be the Avios-earning business card you didn’t know you needed. Welcome to the Capital on Tap Pro Visa Business Card review:
Meet Capital on Tap, the only UK business Visa that lets you earn Avios without charging foreign transaction fees. If you run a limited company or LLP, this could be the game-changer you didn’t know you needed. Let’s see if the £299 annual fee is worth the spend.
In This Post
Essentials: Capital on Tap Pro Visa
Annual Fee: £299 (tax-deductible). Sign-up bonus: 10,000 Avios after £5,000 spent in 3 months. Earning rate: 1 Avios per £1 spent (or 1p cashback per £1). Foreign transaction fees: 0% (yep, really!). Lounge access: Priority Pass membership (with restaurant credits!). Hotel perks: Radisson Rewards VIP Status (free breakfast, upgrades, lounge access). Who can apply: Limited companies and LLPs (not for sole traders or partnerships). Minimum turnover requirement: £24,000.
Sign-Up Bonus: A Decent Boost
You’ll earn 10,000 Avios (or £100 cashback) after spending £5,000 in the first 3 months. Your bonus will show up at the end of your 4th billing period. If you regularly spend on business expenses, it’s a fairly easy bonus to snag.
Radisson Rewards VIP Status: The Real Hotel MVP
This top-tier status includes free breakfast for two (worth £40+ per day), room upgrades, and VIP lounge access at participating hotels. You also get early check-in and late check-out (subject to availability), 36 points per $1 spent at Radisson hotels (compared to 8 points for regular members), one free piece of ironing per stay, and a 15% discount on food and drinks. Stay at Radisson hotels a few times a year, and this perk alone can cover the £299 annual fee.
1 Avios Per £1 Spent (Or 1p Cashback)
You’ll earn 1 Capital on Tap point for every £1 spent, which can be converted into 1 Avios or 1p cashback. The points post instantly, so there’s no waiting around. You can also switch to cashback, but check with your accountant first—HMRC doesn’t tax points, but cashback might be taxable!
0% Foreign Transaction Fees: The Ultimate Game-Changer
This is the only UK Avios-earning card (business or personal) that doesn’t charge FX fees. This is a huge deal for anyone who spends money abroad, as most other cards charge a 2.99% fee on foreign transactions.
Priority Pass Membership: Better Than Amex
This card includes a full-fat Priority Pass, which covers £18 credits at select airport restaurants—a perk Amex’s version doesn’t offer. You get access to 1,600+ airport lounges worldwide, and the guest fee is only £20 per person, cheaper than Amex’s £24 fee.
How Does It Compare to the Free Version?
| Feature | Capital on Tap Pro (£299) | Capital on Tap Free (£0) |
|---|---|---|
| Sign-Up Bonus | 10,000 Avios | 0 Avios |
| Avios Earn Rate | 1 per £1 | 1 per £1 |
| Foreign Transaction Fees | 0% | 0% |
| Priority Pass | Yes (includes restaurant credits) | No |
| Radisson Rewards VIP Status | Yes | No |
The free version might be enough if you don’t care about lounge access, hotel perks, or the sign-up bonus. But if you travel for business, the Pro card’s benefits can easily pay for themselves.
Who Should Apply for the Capital on Tap Pro Visa?
✅ Business owners with limited companies who want to earn Avios on Visa spending.
✅ Frequent business travellers using the Priority Pass and Radisson VIP perks.
✅ Companies that spend a lot on business credit cards—1 Avios per £1 is a solid earning rate.
✅ Anyone spending a lot overseas—0% FX fees on an Avios card is rare.
Who Shouldn’t Bother?
🚫 If you run a sole proprietorship or partnership—this card is for limited companies and LLPs only.
🚫 If you don’t care about Avios, just get a Barclaycard Select Cashback (1% cashback, free for life).
🚫 If you don’t travel or rarely spend money abroad, the free version might be a better choice.
Final Thoughts: Worth It for Frequent Business Travellers
The Capital on Tap Pro Visa is one of the best UK business Visa/Mastercard options for earning Avios (or cashback) without FX fees. The biggest perks of Radisson VIP status are its complete Priority Pass with restaurant credits and no FX fees, making it far more valuable than most standard business cards. If you stay at Radisson hotels even a few times per year, the free breakfast alone could cover the annual Fee. However, if you don’t travel often or don’t need Radisson perks, you might prefer the free Capital on Tap Visa or a 1% cashback business card.
Ready to start earning Avios on business spending? Apply for the Capital on Tap Pro Business Visa here.
