Business credit card tools: cashback, FX fee and eligibility calculators
By Chris
Three small tools that answer the three questions we get asked most: what will the card actually earn me, what is my current card costing me on dollar and euro spend, and can my business get it at all.
Each tool runs entirely in your browser. Nothing you type is stored or sent to us, and none of them connects to Capital on Tap or to any credit reference agency. They use the same published figures as the rest of this site, each one linked to its source and dated, so when a rate or a fee changes the tools change with it.
Which one first
Start with the eligibility checker if you have not applied before. Capital on Tap is for companies registered as Ltd, LLP or PLC, and there is no point modelling cashback on a card you cannot hold. It takes under a minute and, if the answer is no, it tells you what fits instead.
Then the FX fee calculator, because for most small businesses the fee saving is bigger than the cashback. A typical high-street business card adds close to 3% to every payment in dollars or euros, which on a stack of US software subscriptions and some overseas ad spend is often the largest single saving a card switch delivers. Capital on Tap charges 0% non-sterling transaction fee.
The cashback calculator is last because its answer is the most predictable: 1% cashback on the free card is exactly what it says. Its real job is the Pro question. It separates the spend Pro pays more on from the spend it does not, and shows the break-even both as Capital on Tap frames it and as we would.
How we built these
Every figure the tools use lives in one file on this site, with the page it came from and the date we last checked it, currently 15 September 2026. Nothing is typed into a calculator by hand. Competitor fees come from each issuer’s own page and are linked wherever they appear. Where a figure is Capital on Tap’s own framing rather than ours, such as its Pro break-even or the rate it reports for Pro, the tool says so in the label.
The tools are deliberately simple. They do not model interest, because Capital on Tap does not publish a representative APR and we will not invent one; they assume you pay in full, and the interest guide explains how. They do not predict credit limits, which in our experience is the part most likely to disappoint, and which the credit limit page covers honestly. If you find a figure that has changed, tell us and we will correct it and re-date the page.
Sources
Figures last checked 15 September 2026. If something has changed, tell us and we will correct it.
Related reading
- ReviewA first-hand Capital on Tap review from a UK agency owner: cashback, employee cards, accounting sync, and the credit-limit problem nobody mentions.
- Fees & APREvery Capital on Tap fee in one table, taken from the credit agreement and FAQ: annual fee, FX, ATM, late payment, Bill Pay and what carrying a balance really costs.
- Best cardsThe best UK business credit cards compared on fees, rewards, FX and eligibility, with a clear view of who should choose something other than our pick.
- GuidesPractical guides to using a business credit card well: limited companies, sole traders, employee cards, subscriptions, accounting sync, HMRC and more.