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:
In This Post
Meet Capital on Tap – The Only UK Business Visa That Earns Avios.
If you run a limited company or LLP and want to earn Avios on a business Visa (not an Amex), then the Capital on Tap Pro Visa deserves your attention. Not only does it earn 1 Avios per £1 spent, but it’s also the ONLY Avios-earning UK card with no foreign transaction fees—which is huge for business owners spending abroad.
Want something more basic? There’s also a free version of this card (same earning rate, fewer perks). But today, we’re diving into the Pro version.
Quick Facts: 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% (yes, really!)
- Lounge Access: Priority Pass membership (includes restaurant credits!)
- Hotel Perks: Radisson Rewards VIP Status (free breakfast, upgrades, lounge access)
- Who Can Apply: Limited companies and LLPs (not sole traders or partnerships)
- Minimum Turnover Requirement: £24,000
What’s the Sign-Up Bonus?
- 10,000 Avios (or £100 cashback) when you spend £5,000 in 3 months.
- Bonus arrives at the end of your 4th billing period.
Key Benefits of the Capital on Tap Pro Visa.
🏨 Radisson Rewards VIP Status
This is TOP-TIER status (better than what you get with most credit cards) and comes with:
- Complimentary breakfast for two people (worth £40+ per day!)
- Room upgrades (often to premium rooms, sometimes even suites)
- VIP lounge access in participating hotels
- Early check-in & late check-out (subject to availability)
- 36 points per $1 spent at Radisson hotels (vs 8 points for regular members)
- One free piece of ironing per stay (fancy, huh?)
- 15% discount on food & drinks at Radisson hotels
If you stay at Radisson hotels a few times a year, this alone could pay for the £299 annual fee.
✈️ Priority Pass Membership (Better Than Amex’s Version!)
- Full-fat Priority Pass (includes £18 airport restaurant credits at select locations, which Amex’s version doesn’t cover)
- 1,600+ airport lounges worldwide
- Guest fee: £20 per person (cheaper than Amex Priority Pass, which charges £24)
💰 1 Avios Per £1 Spent (Or 1p Cashback)
- Earn 1 Capital on Tap point per £1 spent, which can be converted into 1 Avios or 1p cashback.
- No, waiting around—points post instantly.
- A cashback option is available (but check with your accountant—HMRC doesn’t tax points, but cashback might be taxable!).
💸 0% Foreign Transaction Fees (Game-Changer for Avios Cards!)
This is THE ONLY UK Avios-earning card (business or personal) that doesn’t charge FX fees. You can use it abroad without paying the usual 2.99% penalty that most other cards impose on foreign spending.
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 travelers who will actually use Priority Pass & Radisson VIP perks.
✅ Anyone spending a lot overseas—because 0% FX fees on an Avios card is a rare find.
✅ Companies that put high spend on business credit cards (since 1 Avios per £1 spent is a solid earning rate).
🚫 Not for you if…
- You run a sole proprietorship or partnership—this is for limited companies & LLPs only.
- You don’t care about Avios—just get a Barclaycard Select Cashback (1% cashback, free for life) instead.
- The free version might be good enough if you rarely spend money abroad.
Final Thoughts: Worth It for Frequent Business Travelers
The Capital on Tap Pro Visa is one of the best UK business Visa/Mastercard options for earning Avios (or cashback) without foreign exchange fees.
The biggest perks—Radisson VIP status, full Priority Pass with restaurant credits, and no FX fees—make it far more valuable than most standard business cards. If you stay at Radisson hotels even a few times per year, the complimentary 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.
Want to start earning Avios on business spending? Apply for the Capital on Tap Pro Visa Business Card here.
