Capital on Tap Business Credit Card vs Funding Circle Business Cashback Card
Side-by-side comparison for UK businesses
| Feature | Capital on Tap Business Credit Card | Funding Circle Business Cashback Card |
|---|---|---|
| Annual fee | £0 | £0 |
| Monthly fee | None | None |
| Welcome bonus | £75 welcome offer | 2% cashback for first 6 months (capped at £2,000) |
| Earn rate (default) | 1x | 1x |
| Rewards currency | points | cashback |
| Card type | business | business |
Data last verified March 2026. Check issuer websites for the latest terms.
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
Funding Circle Business Cashback Card
Strong cashback card for established SMEs. 1% uncapped on all spend, no FX fees, free employee cards, and limits up to £250k. Requires at least a year of trading and £40k turnover.
Annual cost
Free
Earn rate
1x
Welcome bonus
2% cashback for first 6 months (capped at £2,000)
Best for
CashbackInternational spend
Key benefits
- • 1% uncapped cashback on all spend
- • No annual or monthly fee
- • No foreign transaction fees
- • Credit limits up to £250,000