Top Features of the Capital on Tap Business Credit Card You Need to Know

Unlock unparalleled financial benefits with the Capital on Tap Business Credit Card. Enjoy high credit limits of up to £250,000, giving you the freedom to scale and invest. Benefit from fee-free money transfers between business accounts, ensuring smooth cash flow. Earn 1% cashback on all purchases and consider upgrading for Avios points. Seamlessly integrate transactions with accounting software like Sage and Xero, and forget about currency conversion charges when traveling or making international purchases. These features empower you to manage expenses efficiently and make informed financial decisions. Discover even more advantages to elevate your business.

High Credit Limits

Accessing high credit limits with the Capital on Tap business credit card can significantly enhance your purchasing power. With credit limits reaching up to £250,000, you can manage your business expenses more effectively. This elevated financial capacity means you’re no longer constrained by smaller credit limits that might impede your ability to make significant purchases or investments.

Imagine having the ability to cover various business expenses without the constant worry of maxing out your credit. Whether you need to purchase bulk inventory, invest in new equipment, or cover unexpected costs, the high credit limit provided by Capital on Tap ensures you have the financial flexibility to act swiftly. This is particularly beneficial for managing cash flow, as it allows you to bridge gaps between outgoing expenditures and incoming revenues.

Additionally, the flexible credit limit structure caters to the diverse needs of your business. Whether you’re a startup needing to make your first major investment or an established company looking to expand, the Capital on Tap business credit card can adapt to your requirements. This adaptability is crucial in a dynamic business environment where financial demands can change rapidly.

Moreover, having access to a high credit limit can also positively impact your business’s credit score. By responsibly managing a larger credit line, you demonstrate to credit bureaus that your business is capable of handling substantial financial responsibilities. This can open doors to even more financial opportunities in the future.

Fee-Free Money Transfers

Enjoy the convenience of fee-free money transfers with the Capital on Tap business credit card, allowing you to move funds between linked business accounts without incurring extra charges. This feature is a game-changer for business owners who need to manage their cash flow efficiently. No longer will you face unexpected fees when shifting money around to meet your business needs.

With the Capital on Tap card, transferring funds becomes a seamless process. You can easily move money between your linked accounts without worrying about additional costs. This means you can focus more on running your business and less on navigating complex fee structures. Whether you’re covering payroll, managing operating expenses, or addressing sudden financial needs, the ability to transfer funds fee-free ensures you have the flexibility to keep your business running smoothly.

Fee-free money transfers also help you eliminate extra costs associated with supporting your business needs. Every dollar saved on transfer fees is a dollar that can be reinvested into your business. Over time, these savings can add up, providing you with more financial resources to grow and expand your operations.

The Capital on Tap business credit card simplifies your financial management, giving you the tools to handle your cash flow more effectively. By offering fee-free money transfers, it supports a cost-effective way to manage your funds. This feature ensures that your money moves where it needs to go, without the burden of extra charges, making it a valuable asset for any business owner looking to optimize their finances.

Rewards on Business Spending

In addition to fee-free money transfers, the Capital on Tap business credit card offers rewarding benefits on your business spending. You’ll earn 1% cashback on all purchases, which means every transaction you make directly contributes to your bottom line. This cashback can be redeemed against your balance or as cash, giving you flexibility in how you maximise your rewards.

If you’re looking to boost your earning potential, consider upgrading to the Business Rewards program. This option allows you to earn Avios points on your business spending, perfect for those who frequently travel and want to make the most of their expenses. Whether it’s flights, hotels, or other travel-related costs, these points can significantly reduce your business travel expenses.

One of the standout features is the ability to increase your credit limit by preloading business funds. This feature not only enhances your spending power but also provides added financial flexibility, ensuring you’re always prepared for any unexpected business expenses.

Moreover, the Capital on Tap business credit card offers unlimited free cards for your employees, complete with customizable spending limits and control features. This is an excellent way to streamline your business expenses while still maintaining control over your company’s finances. You can set specific limits for each employee, ensuring they’ve the necessary funds without exceeding your budget.

With these features, the Capital on Tap business credit card doesn’t just offer convenience; it actively helps you manage and maximize your business spending. These rewards and benefits can significantly impact your business’s financial health, making it a valuable tool in your financial arsenal.

Seamless Accounting Integration

Capital on Tap’s seamless accounting integration ensures your business’s financial records are always accurate and up-to-date. By integrating effortlessly with popular accounting software like Sage, Xero, and FreeAgent, you can easily track expenses and manage your finances without the hassle. This integration means that your transactions automatically sync daily, ensuring that your books reflect the most current financial data.

With Capital on Tap, you don’t have to worry about manually entering each transaction. The daily auto-syncing feature categorizes your expenses, saving you valuable time and reducing the risk of errors. Plus, you can sync up to 90 days of historical data, making sure your financial records are complete and precise from the start.

Connecting your Capital on Tap account to your preferred accounting software is straightforward. Once linked, the integration simplifies your accounting processes, giving you real-time visibility into your business spending. This means you can manage your cash flow more effectively and make informed financial decisions based on accurate data.

Real-time syncing also provides instant updates whenever you make a purchase, offering a clear and immediate view of your expenses. This transparency helps you keep track of your spending habits, identify potential areas for cost-saving, and ensure that your budget aligns with your business goals.

No Currency Conversion Charges

You won’t face any currency conversion charges when making overseas transactions with the Capital on Tap business credit card. This feature is a game-changer for business owners who frequently travel or deal with international clients. Imagine making purchases abroad without worrying about additional fees eating into your budget. The Capital on Tap card ensures that your international transactions are as cost-effective as possible.

When you use your Capital on Tap business credit card overseas, you enjoy fee-free international purchases. Traditional credit cards often come with hefty currency conversion charges that can add up quickly, especially for frequent travelers. With the Capital on Tap card, you can wave goodbye to those extra costs. This means more of your money stays in your pocket, where it belongs.

Making transactions abroad without incurring additional fees is a significant advantage for any business. Whether you’re buying supplies from a foreign vendor or paying for a business trip, you don’t need to factor in extra costs related to currency conversion. This transparency and simplicity make managing your finances much easier.

Save on currency conversion costs when using the Capital on Tap card internationally. The savings can be substantial over time, allowing you to allocate funds to other critical areas of your business. Avoiding these unnecessary charges can improve your bottom line and give you a competitive edge in the global market.

Benefit from cost-effective foreign transactions with the Capital on Tap business credit card. This feature is just one of the many ways the card supports your business needs, ensuring you get the most value with every transaction, no matter where you’re in the world.

Frequently Asked Questions

Is Capital on Tap Business Rewards Worth It?

Absolutely, the Capital on Tap Business Rewards program is worth it.

You get 1% cashback on all purchases, which you can redeem against your balance or as cash.

If you upgrade, you can earn Avios points too.

There are no caps on cashback rewards, so your business spending always benefits.

Plus, you can increase your credit limit by preloading funds, making it a versatile choice for your business.

Does Capital on Tap Build Business Credit?

Yes, Capital on Tap does help build business credit. By using the card regularly and making timely payments, you can boost your business credit score.

This responsible usage shows financial responsibility to lenders and can lead to better financing options in the future.

With Capital on Tap, you’re not just making purchases; you’re also establishing a solid credit history for your business, opening doors for growth.

What Does Capital on Tap Do?

Capital on Tap provides business credit cards designed to help small businesses manage their finances effectively. They offer no annual fees and competitive APRs starting from 15.5%.

Since 2016, they’ve focused on business credit cards, transitioning from their original term loans. With over £4 billion funded to 200,000 small businesses, they’re a key player in business financing.

Their headquarters is in London, and they continue to support business growth.

What Is the Interest Rate on Capital on Tap Business Credit Card?

The interest rate on the Capital on Tap Business Credit Card starts from 15.5% APR. However, the representative APR is 35.2%, which gives you a broader idea of potential costs.

You’ll enjoy up to 42 days of interest-free credit on purchases, but keep in mind that cash withdrawals accrue interest immediately.

Make sure you can afford the repayments to avoid additional interest costs.

Conclusion

With the Capital on Tap Business Credit Card, you’ll enjoy high credit limits, fee-free money transfers, and rewards on your business spending.

Seamless accounting integration makes managing your finances a breeze, and you’ll never worry about currency conversion charges.

This card offers a range of features designed to support and grow your business effortlessly.

Don’t miss out on these benefits—consider adding the Capital on Tap Business Credit Card to your financial toolkit today.

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