Want more travel hacks and credit card perks? Check out our entire collection of reviews and guides here. If you run a limited company or LLP and want to earn Avios on a business Visa for FREE, this is your new favorite card. Welcome to the Capital on Tap Visa review:
In This Post
Meet Capital on Tap – The Only UK Business Visa That Earns Avios.
For business owners looking to earn Avios without annual fees, the Capital on Tap Visa is a solid choice. It gives you 1 Avios per £1 spent, has no foreign transaction fees, and is free for life. If you’re running a business, you probably already racked up a lot of expenses—why not earn Avios on every pound?
Want even more perks? The Capital on Tap Pro Visa (£299/year) adds Priority Pass lounge access and Radisson VIP status, but for most, the free version will do just fine.
Quick Facts: Capital on Tap Visa.
- Annual Fee: £0 (yes, free forever)
- Sign-up Bonus: None (Pro version has a bonus, though)
- Earning Rate: 1 Avios per £1 spent (or 1p cashback per £1)
- Foreign Transaction Fees: 0% (a game-changer for Avios cards!)
- Who Can Apply: Limited companies and LLPs (not sole traders or partnerships)
- Minimum Turnover Requirement: £24,000
- Credit Limit: Up to £250,000
What’s the Earning Rate Like?
- 1 Capital on Tap point per £1 spent, convertible to 1 Avios or 1p cashback.
- Points post instantly, so there is no waiting around.
- No fees. No catch. Just free Avios.
Key Benefits of the Capital on Tap Visa.
💳 No Annual Fee – A True Free-for-Life Card
- This is one of the only free business cards in the UK that earns rewards at this level.
- If you want Avios but don’t want fees, it’s a no-brainer.
🌍 0% Foreign Exchange Fees – Perfect for Overseas Spending
- This is THE ONLY UK Avios-earning card (business or personal) with 0% FX fees.
- Use it abroad and avoid the usual 2.99% charge most cards slap on foreign spending.
🏢 Unlimited Free Supplementary Cards
- Got employees? Add unlimited supplementary cards at no extra cost.
- Earn Avios on their spending, too.
📊 Business-Friendly Features
- Accounting integrations: Works with Sage, QuickBooks, Xero, FreeAgent, and more.
- Flexible repayments: Up to 42 days to pay before interest is incurred.
- Apple Pay & Google Pay support.
💸 Points or Cashback? You Choose
- 1 point = 1 Avios or 1p cashback.
- Not into Avios? Cash out for real money instead.
- Avios aren’t taxable, but cashback is—so if you don’t travel much, check with your accountant!
Who Should Apply for the Capital on Tap Visa?
✅ Business owners with limited companies who want to earn Avios on Visa spending.
✅ Frequent business travelers who need a card with 0% FX fees.
✅ Companies that put high spend on business credit cards—since 1 Avios per £1 spent is a solid earning rate.
✅ Anyone looking for a free alternative to Amex for business expenses.
🚫 Not for you if…
- You run a sole proprietorship or partnership—this is for limited companies & LLPs only.
- If you want travel perks like lounge access and hotel status—check out the Capital on Tap Pro Visa (£299/year) instead.
- You don’t care about Avios—just get a Barclaycard Select Cashback (1% cashback, free for life) instead.
Should You Get the Free or Pro Version?
| Feature | Capital on Tap Visa (Free) | Capital on Tap Pro Visa (£299) |
|---|---|---|
| Annual Fee | £0 | £299 |
| Sign-Up Bonus | None | 10,000 Avios (after £5k spend) |
| Avios Earn Rate | 1 per £1 | 1 per £1 |
| Foreign Transaction Fees | 0% | 0% |
| Priority Pass Lounge Access | No | Yes |
| Radisson Rewards VIP Status | No | Yes |
If you travel a lot and want extra perks, Capital on Tap Pro might be worth it. But if you just want free Avios with no fees, the standard version is the way to go.
Final Thoughts: A Must-Have for Business Owners Who Want Free Avios
The Capital on Tap Visa is one of the UK’s best no-fee business Visa/Mastercard. It’s rare to find a truly free card that earns 1 Avios per £1, has 0% FX fees, and offers free supplementary cards for your employees.
For many, this will be the perfect backup card for when Amex isn’t accepted—or a main business card if you want a solid Avios earner with no strings attached.
Want to start earning Avios on business spending for free? Apply for the Capital on Tap Visa here.
2 comments
You need the pro version to transfer to avios
I believe you should be able to that even with the free version, of course i can be wrong too, but according to the research I’ve made this is the case.