Capital On Tap referral code: SETTINGUP & Get £75
Use the Capital On Tap referral code SETTINGUP to get £75. See what the brand offers, how to apply and what you need to do next.
Capital On Tap offer at a glance
- Reward
- £75
- How to claim
- Enter SETTINGUP
- Category
- Travel & transport
- Last checked
- 1 October 2026
Evidence status
Active listing — confirm final terms
The destination is live, but the provider may change eligibility, reward value or timing.
About Capital On Tap
Capital on Tap is a business credit card and spend-management company founded in London in 2012. It serves more than 300,000 small and medium-sized businesses in the UK and US, and its customers have put over £10 billion of spending through its cards. It is one of the best-known business credit cards for UK limited companies and sole traders.
The main product is the Capital on Tap Business Credit Card. Credit limits go up to £250,000 depending on your business, and rates start from 13.86% APR representative (variable). There is no annual fee on the standard card, no foreign transaction fees and no fees for cash withdrawals at ATMs, which makes it popular with businesses that buy from overseas suppliers or travel.
The rewards are a big part of the appeal. Cardholders earn uncapped cashback, or points they can turn into Avios or hotel stays, on everyday business spending. You can order free employee cards with individual limits, and the online portal and app show every transaction in real time. Capital on Tap also connects to accounting software such as Xero and QuickBooks, so receipts and spending flow straight into your books.
Applications are made online and most decisions come back within minutes. Capital on Tap's UK credit cards are regulated in the UK, and the company has also launched an Instant Savings account for business customers. A Pro plan with a monthly fee adds higher reward rates and travel perks for businesses that spend heavily.
Get £75 with Capital On Tap
The Capital on Tap referral offer on this page uses code SETTINGUP and a personal referral link. New business customers who apply through the link and get approved receive a welcome reward, listed here as £75. Capital on Tap pays referral rewards as points in your account, which you can redeem for cashback or other rewards.
The referral page shows the exact reward when you open it. Capital on Tap sets referral offers through each cardholder's online portal, so the amount you see on the landing page is the amount attached to that link. Recent referral pages have offered welcome bonuses worth around £75 in points after your first card transaction.
The reward is triggered by a simple action: get approved and make your first purchase on the card. There is no high minimum spend target. A software subscription, fuel or a stationery order is enough.
This offer is designed for businesses that are new to Capital on Tap. Your business must be UK-based, trading with at least £24,000 of annual turnover, and not already have a Capital on Tap agreement. Applications are subject to credit checks, and the credit limit you are offered depends on your business and personal credit history.
How to claim the offer
- 1Click the Capital on Tap referral link on this page. It opens a Capital on Tap landing page with code SETTINGUP already attached and the current welcome reward shown.
- 2Select Apply Now. You will move to Capital on Tap's secure online application.
- 3Enter your business details: business type, company name or trading name, how long you have been trading and annual turnover. You need at least £24,000 of turnover to qualify.
- 4Add your personal details as the business owner or director, including address history. Capital on Tap runs a credit check as part of the decision.
- 5Choose your credit limit request and read the card agreement before submitting. Most applicants get a decision within a few minutes.
- 6Once approved, activate your card in the Capital on Tap app or online portal, and make your first purchase on it.
- 7Your welcome reward is added to your account as points after your first transaction. Redeem the points as cashback or for other rewards in the portal.
Your referral benefit
The benefit is a welcome reward of about £75 in points, credited after you are approved and make your first transaction. You can redeem points as cashback against your card balance, so it works like money off your first bill.
The welcome reward is only the start. Every purchase you make on the card earns ongoing cashback or points, with no cap, and employee cards earn too. A business that puts £3,000 a month on the card earns rewards every month on top of the referral bonus.
The card also saves money on fees. With no foreign transaction fees and no annual fee on the standard card, overseas software subscriptions, international suppliers and business trips cost less than on many high-street business cards.
The card gives you flexible credit and a clear view of company spending. Paying the balance in full each month avoids interest, keeps the rewards as pure gain, and helps you separate business costs from personal spending.
Before you claim
- You need a UK business with at least £24,000 annual turnover and must not have held a Capital on Tap account before.
- Apply through the referral link so the SETTINGUP referral is recorded. Applying directly on the main website may not include the welcome reward.
- Check the reward shown on the landing page when you click through, because Capital on Tap updates referral offers over time.
- Make your first transaction after approval to trigger the welcome points.
- Read the rate, credit limit and repayment terms in your agreement. Pay the balance in full each month to avoid interest.
- Expect a credit check. Business and personal credit history both affect the decision and the limit you are offered.
Capital On Tap referral questions
How do I use the Capital on Tap code SETTINGUP?
Use the referral link on this page. It already carries the SETTINGUP code, so you just click Apply Now and complete the application. You do not need to type the code separately. The landing page confirms the referral reward before you start.
What do I need to do to get the Capital on Tap welcome reward?
Apply through the referral link, get approved for a Capital on Tap Business Credit Card and make your first transaction. The reward is then added to your account as points. You can redeem them as cashback or for other rewards.
Who can apply for a Capital on Tap card?
UK limited companies, sole traders and partnerships with annual turnover of at least £24,000 can apply. You must be new to Capital on Tap. Approval depends on business and personal credit checks, and Capital on Tap does not accept applications from people with recent County Court Judgments.
How fast is the Capital on Tap application?
The online application takes around five to ten minutes, and most applicants receive a decision within minutes. Once approved, you can manage the account in the app or online portal while the physical card is posted to you.
Does the Capital on Tap card have fees?
The standard Business Credit Card has no annual fee, no foreign transaction fees and no ATM withdrawal fees. Interest is charged on balances not paid in full, with rates from 13.86% APR representative (variable). The optional Pro plan has a monthly fee and adds higher rewards and travel benefits.
Sources and verification
Reviewed 1 October 2026. The status above explains how much of the recorded claim was confirmed; always check the live brand page for the latest eligibility rules, deadlines and reward details.
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Checked 21 September 2026
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