American Express Platinum Business Card vs Capital on Tap Business Credit Card
Side-by-side comparison for UK businesses
| Feature | American Express Platinum Business Card | Capital on Tap Business Credit Card |
|---|---|---|
| Annual fee | £595 | £0 |
| Monthly fee | None | None |
| Welcome bonus | 40,000 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 Platinum Business Card
Premium business card for heavy spenders and frequent travellers. Unlimited lounge access and top-tier travel insurance justify the fee if your spend is high enough.
Annual cost
£595
Earn rate
1x
Welcome bonus
40,000 Membership Rewards points
Best for
Premium travelAirport lounges
Key benefits
- • Unlimited airport lounge access (Priority Pass)
- • Comprehensive travel insurance
- • No foreign transaction fees
- • £200 Dell credit annually
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