American Express Basic Business Card vs Capital on Tap Business Credit Card
Side-by-side comparison for UK businesses
| Feature | American Express Basic Business Card | Capital on Tap Business Credit Card |
|---|---|---|
| Annual fee | £0 | £0 |
| Monthly fee | None | None |
| Welcome bonus | None | £75 welcome offer |
| Earn rate (default) | 1x | 1x |
| Rewards currency | membership rewards | points |
| Card type | business | business |
Data last verified March 2026. Check issuer websites for the latest terms.
American Express Basic Business Card
Free Amex card for businesses that want cashflow flexibility and basic rewards without paying an annual fee. Great starting point.
Annual cost
Free
Earn rate
1x
Welcome bonus
None
Best for
Low spendCashflow
Key benefits
- • No annual fee
- • 1 Membership Rewards point per £1
- • Expense management tools
- • Connect to accounting software
Capital on Tap Business Credit Card
The UK's most popular business credit card for SMEs. No fee, high limits, fast approval. Integrates with accounting tools and offers genuine cashback.
Annual cost
Free
Earn rate
1x
Welcome bonus
£75 welcome offer
Best for
CashflowE-commerce
Key benefits
- • No annual fee
- • 1% cashback equivalent via points
- • Instant approval (often within minutes)
- • Credit limits up to £250,000