Capital on Tap Business Credit Card vs HSBC Premier World Elite Mastercard
Side-by-side comparison for UK businesses
| Feature | Capital on Tap Business Credit Card | HSBC Premier World Elite Mastercard |
|---|---|---|
| Annual fee | £0 | £290 |
| Monthly fee | None | None |
| Welcome bonus | £75 welcome offer | 60,000 reward points |
| Earn rate (default) | 1x | 3x |
| 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 World Elite Mastercard
HSBC's top-tier personal card. 60k welcome bonus, 3pts/£1 earn rate, and unlimited Priority Pass lounge access. £290/year and 2.99% FX fee. Requires HSBC Premier (£100k income or investments). Strong for airline mile collectors.
Annual cost
£290
Earn rate
3x
Welcome bonus
60,000 reward points
Best for
Airline milesAirport lounges
Key benefits
- • Unlimited Priority Pass lounge access (cardholder + additional cardholders)
- • 3 points per £1 sterling, 4 points per £1 non-sterling
- • Transfer to BA, Emirates, Etihad, Qatar Airways, Air India
- • Airport fast track via Mastercard Travel Experiences