Barclays Avios Rewards vs Capital on Tap Business Credit Card
Side-by-side comparison for UK businesses
| Feature | Barclays Avios Rewards | Capital on Tap Business Credit Card |
|---|---|---|
| Annual fee | £0 | £0 |
| Monthly fee | £12 | None |
| Welcome bonus | 25,000 Avios (account switchers) or 2,500 Avios (existing customers) | £75 welcome offer |
| Earn rate (default) | 0x | 1x |
| Rewards currency | Avios | points |
| Card type | personal | business |
Data last verified March 2026. Check issuer websites for the latest terms.
Barclays Avios Rewards
Not a credit card — a banking rewards programme bundled with Barclays Premier. Earns 1,500 Avios monthly for £12/month. Requires £75k income or £100k in savings. Good for passive Avios stacking alongside a spend card.
Annual cost
£144
Earn rate
0x
Welcome bonus
25,000 Avios (account switchers) or 2,500 Avios (existing customers)
Best for
Avios collectingBA loyalty
Key benefits
- • 1,500 Avios per month just for holding the account
- • 7,000 bonus Avios or BA cabin upgrade voucher annually
- • Discounted airport lounge access worldwide
- • Extra Avios for Barclays mortgage, loan, and insurance products
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