About UK Business Credit Cards

Who writes this

I’m Chris. I run a small digital agency in the UK, and I have used the Capital on Tap business credit card for a few years on the standard free tier, not Pro. I write every page on this site. Where a page says “I”, it is me describing something I have done with the card. Where it says “we”, it is the site’s position, which in practice is still me, checking figures against the source documents.

I am not a financial adviser, a journalist or an employee of any card issuer. I am a customer who got tired of reading reviews written by people who had clearly never held the card, and decided to write down what I know instead.

Why the site exists

When I first looked into Capital on Tap, almost everything I found fell into one of two piles. The first was promo-code pages: thin, repetitive, built to collect a referral click and nothing else. The second was roundup articles from comparison sites that quoted the headline figures and moved on. Neither told me what it is actually like to run a company’s spending through the card for years.

The thing that bothered me most was the credit limit. My limit was lower than I expected when I was approved, and getting it increased has been genuinely difficult. Not one of the pages I read at the time mentioned that. That gap is why the credit limit page exists, and why it sits alongside the review rather than being buried as a footnote.

The site grew from there: a proper fees page built from the credit agreement rather than the marketing copy, a rewards page that explains what does and does not earn points, and guides for the practical questions a small company runs into, such as employee cards, subscriptions and paying HMRC.

What I have first-hand experience of

These are the parts of the card I use in my own business, so what I write about them comes from doing it rather than reading about it:

• Earning and redeeming cashback. I have earned points on ordinary company spending and redeemed them. The rewards page covers the mechanics.
• Employee cards and virtual cards. I use cards for staff and for software subscriptions, with limits set per card. That experience is in the employee cards guide and the virtual cards guide.
• Accounting sync. Transactions feed into my accounting software automatically, which is the feature that removed the most admin. See the accounting sync guide.
• The credit limit. As above: it started lower than I wanted and has been hard to move.

What I have not used

I have not paid for Capital on Tap Pro. Everything on that page is researched from Capital on Tap’s own Pro page and rewards terms, with the break-even maths worked through, and it is labelled as researched rather than first-hand. The same goes for lounge access and the Pro Avios rate.

Bill Pay and Preloading are written up from Capital on Tap’s own documents unless a page explicitly says otherwise.

How we work

The editorial policy sets this out in full. The short version:

• Primary sources for every figure. Fees come from the credit agreement, rewards from the rewards terms, eligibility from Capital on Tap’s own pages, tax rules from gov.uk. Each page lists its sources with a checked date.
• One referral link, disclosed everywhere it appears. If you apply through our link or code and make a first transaction, we each receive 7,500 points. That is the site’s only income, and it is the same whether a page praises the card or criticises it. The how we make money page has the detail.
• No paid placements, no adverts, no affiliate links to other cards. Nobody pays to be ranked, and nobody can pay to have a criticism softened.
• We say who should choose something else. Capital on Tap does not accept sole traders, so the sole trader guide points elsewhere and earns us nothing. The best cards roundup does the same wherever another card is the better fit.
• No fabrication. No invented testimonials, no star ratings, no “what users say”. If we do not know something, the page says so.

Contact

Corrections, questions and news of changed terms all go to hello@ukbusinesscreditcards.co.uk. The contact page explains what we can and cannot help with; in particular, we are not Capital on Tap and cannot see anyone’s application or account.