Business credit card news for UK small businesses
· First published 15 September 2026
Dated updates when something actually changes: Capital on Tap terms and rewards, tax deadlines, Budget measures and rate decisions. Each entry links to the evergreen guide it affects rather than repeating it.
BA Amex Accelerating Business card cut Avios earning to 1.25 per £1 on 7 October 2026
From 7 October 2026 the BA Amex Accelerating Business card earns 1.25 Avios per £1, down from 1.5, with no On Business points and a 30,000 Avios welcome.
Affects: Avios for business
Bank Rate held at 3.75% on 17 September 2026: what it means for variable card rates
The Bank of England held Bank Rate at 3.75% by a 6–3 vote. How a hold, or a November rise, feeds into a variable business credit card rate.
Affects: Avoid interest
Budget 2026: what the 28 October Budget means for small limited companies
No rise in income tax, NIC or VAT headline rates, Corporation Tax capped at 25%, lower writing-down allowances and permanent 55p mileage: a first read.
Affects: For limited companies
Capital on Tap Refer a Friend: 7,500 points each, and the monthly and lifetime caps explained
Capital on Tap Refer a Friend pays 7,500 points (or £75) to both sides, with caps of 10 bonuses a month and 100 in total, and a 30-day first-transaction rule.
Affects: Referral code
Autumn Budget set for 28 October 2026: the dates small businesses should have in the diary
The 2026 Budget was set for 28 October. The other autumn deadlines that matter for UK companies, from Self Assessment to Companies House identity checks.
Affects: Pay HMRC by card
Capital on Tap updated its Rewards terms on 8 June 2026: what changed and what did not
The 8 June 2026 Rewards Terms mostly rework how monthly-paid Pro memberships and cancellations work. Points expiry, Bill Pay earning and the Avios clause are unchanged.
Affects: Rewards
Evergreen guides
- ReviewA first-hand Capital on Tap review from a UK agency owner: cashback, employee cards, accounting sync, and the credit-limit problem nobody mentions.
- RewardsHow Capital on Tap points work: the earn rate, what does not earn, Bill Pay, redemption options, the Avios rate on the free card and the 24-month expiry.
- Referral codeHow the Capital on Tap referral code works, who qualifies, when the 7,500-point bonus pays and why it sometimes does not arrive.
- GuidesPractical guides to using a business credit card well: limited companies, sole traders, employee cards, subscriptions, accounting sync, HMRC and more.