Capital On Tap has become the go-to name in the UK for small business owners wanting to earn Avios on their business spending. But with two nearly identical-looking cards, the Capital On Tap Business Credit Card click here (free) and the Capital On Tap Business Pro Card click here (£299/year), it’s easy to wonder which one actually makes sense for your setup.
We’ve reviewed both cards already. Now, here’s the full comparison to help you decide.
In This Post
Quick Comparison: Capital On Tap Free vs Pro
| Feature | Capital On Tap Free | Capital On Tap Pro | ||
|---|---|---|---|---|
| Annual Fee | £0 | £299/year | ||
| Sign-Up Bonus | Not available | 10,000 points (worth £100 or 5,000 Avios) after £5,000 spend | ||
| Avios Earning Rate | Not available | 1 point per £1 (1 Avios) | N/A | 1 point per £1 (1 Avios) |
| Redeem Options | Cashback, gift cards only | Cashback, Avios, gift cards | Cashback, Avios, gift cards | Cashback, Avios, gift cards |
| Credit Limit | Up to £250,000 | Up to £250,000 | ||
| Employee Cards | Unlimited | Unlimited | ||
| Eligibility | UK Ltd companies & sole traders | UK Ltd companies & sole traders |
Avios Earning Breakdown
Only the Capital On Tap Pro card lets you convert points into Avios.
- Pro Card: Earns 1 point per £1, which can be transferred 1:1 to Avios if you link your British Airways Executive Club.
- Free Card: Also earns 1 point per £1 but cannot be transferred to Avios. You can only redeem for cashback or gift cards.
In plain English, if you’re chasing Avios, the Free card won’t get you there.
Welcome Bonus: Same Points, Different Utility
Only the pro card offers a 10,000-points welcome bonus when you spend £5,000 in your first 3 months. But:
- On the Free card, you don’t earn any sign up points.
- On the Pro card, you can redeem the full value as 10,000 Avios (if you link your BA Executive Club)
Remember! only the Pro card gives you access to Avios. So you’re getting twice the value for the same spend just by choosing Pro.
Is the Pro Card Worth £299?
Let’s break it down:
- Spend £10,000 in a year →
- Free card: earns no Avios
- Pro card: earns 10,000 Avios
- The difference is worth £100+ in flight value
Even if you spend £10,000 per year, I wouldn’t say that the card pays for itself in Avios value. More spend? More gain.
Employee Cards & Perks Who Should Pick Which?
Capital On Tap Free (£0/year):
- You’re a light spender
- You’re happy earning cashback and don’t need Avios transfers
- You prefer cashback or rarely redeem flights
Capital On Tap Pro (£299/year):
- You spend £10,000+/year on your business card
- You’re collecting Avios seriously
- You want the highest value per point without thinking twice
Final Takeoff
The Free version is fine if you’re barely using the card or aren’t focused on collecting Avios at all since it doesn’t support Avios transfers. However, for any business that spends consistently, the Pro version earns Avios and easily covers its fee.
Don’t leave Avios on the table just to save £299. Click here to apply:
Keep the Miles Rolling
3 comments
This article Is full of inconsistencies and inaccuracies. in the chart at the top you say the free one has no sign up bonus. Later you say both cards offer the same sign up bonus after £5k spend. you say the the free card cannot transfer to avois then later say £10k annual spend would net 5000 avios… which is it?
Apologies for the confusion and thanks for flagging it, this has now been fixed!
Isn’t the new earning structure also 0.8 points per £1 on the new card?