What is the annual fee for the American Express Gold Business Card?

The American Express Gold Business Card costs £195 per year.

What is the annual fee for the Capital on Tap Business Credit Card?

The Capital on Tap Business Credit Card has no annual fee.

Which card has better rewards, American Express Gold Business Card or Capital on Tap Business Credit Card?

American Express Gold Business Card earns 1x membership rewards per £1 spent. Capital on Tap Business Credit Card earns 1x points per £1 spent. The better card depends on how you value each rewards currency.

Is the American Express Gold Business Card or Capital on Tap Business Credit Card better for small businesses?

It depends on your spend level. American Express Gold Business Card is best for Travel, Avios, High spend. Capital on Tap Business Credit Card is best for Cashflow, E-commerce, Startups.

American Express Gold Business Card vs Capital on Tap Business Credit Card

Side-by-side comparison for UK businesses

Feature	American Express Gold Business Card	Capital on Tap Business Credit Card
Annual fee	£195	£0
Monthly fee	None	None
Welcome bonus	20,000 Membership Rewards points	£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 Gold Business Card

The go-to business card for UK companies spending £3k+ per month. Strong earn rate on travel, solid welcome bonus, and genuinely useful travel perks.

business

Annual cost

£195

Earn rate

Welcome bonus

20,000 Membership Rewards points

Best for

TravelAvios

Key benefits

• Airport lounge access (2 visits per year)
• Comprehensive travel insurance
• No foreign transaction fees
• Expense management tools

View on issuer site

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.