Capital on Tap Business Credit Card vs HSBC Premier Credit Card
Side-by-side comparison for UK businesses
| Feature | Capital on Tap Business Credit Card | HSBC Premier Credit Card |
|---|---|---|
| Annual fee | £0 | £0 |
| Monthly fee | None | None |
| Welcome bonus | £75 welcome offer | 20,000 reward points |
| Earn rate (default) | 1x | 1.5x |
| Rewards currency | points | HSBC Rewards |
| Card type | business | personal |
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
HSBC Premier Credit Card
Free companion to the World Elite — same airline transfer partners but half the earn rate and pay-per-visit lounges. Good for HSBC Premier customers who don't want to pay £290/year but still want to collect transferable miles.
Annual cost
Free
Earn rate
1.5x
Welcome bonus
20,000 reward points
Best for
No fee milesHSBC customers
Key benefits
- • No annual fee
- • 1.5 points per £1 sterling, 2 points per £1 non-sterling
- • Priority Pass lounge access (£24 per visit)
- • Transfer to BA, Emirates, Etihad, Qatar Airways, Air India