Editorial policy: primary sources, checked dates and corrections

How we research

Figures come from primary sources only. For Capital on Tap that means the credit agreement, the rewards terms, the Refer a Friend terms, the Bill Pay agreement, the FAQ and the product pages on capitalontap.com. For tax and deadlines it means gov.uk and HMRC. For company and regulatory status it means Companies House and the FCA register. For competitor cards it means the issuer’s own pages. We do not repeat a figure from another review site, forum or news article as fact.

Every page that cites a figure ends with a Sources block listing the documents it relies on and the date we last checked them, currently 15 September 2026. Where a source carries its own “last updated” date, we show that too, so you can see whether the document has moved since we read it.

Sources sometimes disagree with each other. Capital on Tap’s cashback page lists different eligible company types from its main card page; the Pro page gives more than one lounge count. When that happens the rule is: the legal document beats the marketing page, the more specific page beats the general one, and we note the conflict rather than silently choosing. Where two marketing figures conflict and neither is contractual, we quote the more conservative one and say so. The fees page is built from the credit agreement for exactly this reason.

How we pick and rank cards

Comparisons and the best cards roundup weigh the same things in the same order:

1. Fees: annual fee, non-sterling fee, cash fee, late and over-limit charges, and any fee for additional cards.
2. Rewards: the earn rate on ordinary spend, what is excluded, how points are valued and redeemed, and whether they expire.
3. Interest: the advertised rate, whether a representative APR is published, and how the rate is set.
4. Eligibility: company types accepted, turnover thresholds, whether sole traders can apply, and whether a personal guarantee is required.
5. Practical use: employee and virtual cards, spend controls, accounting integrations, acceptance and support.
6. First-hand experience, where we have it, which today means Capital on Tap only.

Payment plays no part in order. No issuer pays to be included, ranked or described in a particular way, and the only money the site earns is the single referral bonus described on the how we make money page. That bonus is the same amount whatever a page says, and it does not exist for any card other than Capital on Tap. When another card is the better fit for a reader, for example a sole trader or a business that wants an interest-free purchase period, we say so and link to it without any commercial arrangement.

First-hand versus researched

Chris has used the Capital on Tap card on the free tier for a few years. Where a page draws on that, it is written in the first person and usually set in a marked box, so you can tell it apart from research. Things he has done: earned and redeemed points, issued employee and virtual cards, run the accounting sync, and tried to get a credit limit increased. Things he has not done: paid for Pro, used the lounge access or converted points at the Pro rate. Pages about those, such as the Pro page, are labelled as researched from Capital on Tap’s own documents. The about page keeps the current list.

We do not dress research up as experience. If a page says “I”, it happened. If we have not used a feature, we say so, and where a first-hand detail is missing we leave the sentence general rather than inventing a specific.

What we never publish

• Invented testimonials or quotes. No “what customers say” sections, no anonymous business owners, no paraphrased reviews presented as our own findings.
• Star ratings or scores. Neither on the page nor in structured data. A single number cannot carry the caveats that matter, and rating markup is easy to abuse. Third-party scores appear only in prose, attributed, such as the Trustpilot figure Capital on Tap displays on its own site.
• A representative APR for Capital on Tap. Capital on Tap does not publish a representative APR on its website. Third-party sites quote conflicting figures, so we do not repeat any of them. We say the advertised rate is as low as 13.86% APR (variable), that no representative APR is published, and that your rate depends on your personal and business credit history and the Bank of England base rate.
• Fabricated experience. No amounts, dates, limits or anecdotes that Chris has not supplied.
• Financial-promotion language that overstates. No promises about approval, no talk of money for nothing, no claims about how quickly a limit will rise. Where Capital on Tap describes its own process, such as the soft search at application, we quote it.
• Issuer branding. No logos, card imagery or screenshots. The name in plain text is enough.

Update cadence

• Monthly: Capital on Tap’s fees, rewards and referral terms are re-checked against the source documents. If anything has changed, the figure is updated in one place, the checked date is bumped and every affected page shows the new modified date.
• Quarterly: comparison pages and the best cards roundup are re-checked against each competitor’s current terms.
• As it happens: material changes get a dated entry in news that links to the evergreen page it affects, rather than being silently folded in.

Every page shows its first-published and last-updated dates under the heading. Those dates are set by hand when content changes, not generated automatically at build time, so a fresh date means a real edit.

Corrections

If you find a figure that is wrong, a link that has changed or a claim that no longer holds, email hello@ukbusinesscreditcards.co.uk with the page and, ideally, a link to the source that shows the correct position. We aim to fix errors within a few days of confirming them. Material corrections, meaning anything that could change a reader’s decision, such as a fee, a rate, an eligibility rule or the referral bonus, are noted on the page itself with the date of the change. Typos and formatting fixes are made without a note. The contact page has more on what to include.

Use of AI

We use AI tools to help draft and edit text. We do not use them as a source. Every figure on the site is checked by a person against the primary document listed in the Sources block, every external link is verified to exist, and all first-hand content describes Chris’s own use of the card in his own business. Where a drafting tool cannot know something, such as a detail of his experience, that detail is left out or asked for rather than filled in.

Not financial advice

Nothing on this site is financial advice or a personal recommendation. It is general information about how UK business credit cards work and a first-hand account of one of them. Whether a particular card or repayment approach suits your business depends on facts we do not have. Credit is subject to status and eligibility and a personal guarantee is normally required, so read the credit agreement before signing and speak to an accountant or a regulated adviser where the decision matters. The regulation page explains who Capital on Tap is and how complaints work.