Want more travel hacks and credit card perks? Check out our entire collection of reviews and guides here. If you’re running a limited company or LLP and want to earn Avios on a business Visa without spending a penny on annual fees, the Capital on Tap Visa is a no-brainer. It’s free forever, earns 1 Avios per £1 spent, and has no foreign transaction fees. Let’s see if this card should be your new business sidekick.
In This Post
The Basics: Capital on Tap Visa
Annual Fee: £0 (yep, free for life). Sign-up bonus: None (you’ll need the Pro version). 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 (no sole traders or partnerships). Minimum turnover requirement: £24,000. Credit limit: Up to £250,000.
Earning Points: The Breakdown
You earn 1 Capital on Tap point for every £1 spent, convertible into 1 Avios or 1p cashback. Points post instantly, so there is no waiting around. There are no fees or catches—just free Avios on every pound you spend.
Key Benefits: No-Nonsense Rewards
💳 No Annual Fee – A true free-for-life card that earns 1 Avios per £1. If you want Avios without paying a fee, this is a no-brainer.
🌍 0% Foreign Exchange Fees – The only UK Avios-earning card (business or personal) with 0% FX fees. Use it abroad and avoid the typical 2.99% penalty on foreign spending.
🏢 Unlimited Free Supplementary Cards – Got employees? Add as many supplementary cards as you need for free and earn Avios on their spending, too.
📊 Business-Friendly Features – Works with accounting software like Sage, QuickBooks, Xero, and FreeAgent. Offers flexible repayments up to 42 days before interest kicks in, plus Apple Pay and Google Pay support.
Points or Cashback? The Choice is Yours
Each point you earn can be converted into 1 Avios or 1p cashback. Avios aren’t taxable, but cashback might be—so if you’re not travelling much, it’s best to 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 travellers who want a card with 0% FX fees.
✅ Companies with high business credit card spending—1 Avios per £1 is a solid rate.
✅ Anyone looking for a free alternative to Amex for business expenses.
Who Should Skip This Card?
🚫 If you’re a sole trader or partnership—this card’s only for limited companies and LLPs.
🚫 If you want travel perks like lounge access and hotel status—check out the Capital on Tap Pro Visa (£299/year) instead.
🚫 If Avios isn’t your thing, consider the Barclaycard Select Cashback, which offers 1% cashback and no fees.
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 |
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 options. It’s rare to find a genuinely free card that earns 1 Avios per £1 spent, has 0% FX fees, and offers free supplementary cards for your employees. This card makes an excellent backup when Amex isn’t accepted or a main business card if you want a reliable Avios earner without 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.