Capital on Tap promo code \u00b7 SETTINGUP \u00b7 Verified May 2026
Capital on Tap promo code SETTINGUP: 7,500 bonus points.
The Capital on Tap promo code SETTINGUP credits 7,500 reward points (worth around \u00a375 in cashback or Avios) when you make your first transaction on the Capital on Tap business credit card \u2014 on top of 1% uncapped cashback on every purchase.
Direct answer
Capital on Tap promo code for 2026: SETTINGUP. It credits 7,500 reward points (worth approximately \u00a375) after your first transaction on the Capital on Tap business credit card. The promo code is applied automatically when you apply from the link on this page. The card also earns 1% uncapped cashback on all spend.
Reader offer \u00b7 Capital on Tap promo code \u00b7 Verified May 2026
7,500 bonus points with Capital on Tap promo code SETTINGUP
Capital on Tap is one of the UK's leading business credit cards for small and growing limited companies. The SETTINGUP promo code adds 7,500 reward points (\u2248 \u00a375 in statement credit, cashback or Avios) once you make your first transaction.
SETTINGUPPromo code applied automatically. UK-registered businesses only, subject to status.
Key facts
Capital on Tap promo code SETTINGUP \u2014 at a glance.
| Capital on Tap promo code | SETTINGUP |
| Welcome bonus | 7,500 reward points (≈ £75) |
| When bonus is paid | After your first transaction, within 30 days |
| Ongoing cashback | 1% uncapped on all spend (1 point per £1) |
| Annual fee | £0 (standard card); £99/yr for Business Rewards card |
| Credit limit | £5,000 to £250,000 subject to status |
| FX fees | 0% on overseas spend |
| Credit check | Hard search — visible on business and personal credit file |
| Eligible businesses | Limited companies preferred; established sole traders |
| Regulatory status | FCA-authorised and regulated |
| Offer verified | May 2026 |
What's included with the Capital on Tap card
The Capital on Tap business credit card \u2014 key features.
1% uncapped cashback
Every transaction earns 1 point per £1 spent. Redeem as statement credit, cash back to your account, or Avios at 1.5 points per Avios. No spend caps, no category restrictions.
Up to £250,000 credit limit
Credit limits from £5,000 to £250,000 depending on revenue and trading history. Instant online decision when you apply with the SETTINGUP promo code.
No FX fees on overseas spend
0% foreign exchange on overseas purchases, plus Visa acceptance worldwide. Free additional cards for the rest of the team with individual spending limits.
Capital on Tap review 2026
Capital on Tap business credit card \u2014 honest pros and cons.
Pros
- 1% uncapped cashback on every transaction — no spend caps or category restrictions
- No annual fee on the standard card; £99/yr Business Rewards card adds Avios at a better rate
- 0% FX fees on overseas spend — strong for businesses buying from suppliers abroad
- Credit limits up to £250,000 for established businesses
- Instant online decision and digital card; physical card arrives within days
- Free additional cards for employees with individual spending limits
- 7,500 bonus points (≈ £75) with Capital on Tap promo code SETTINGUP on first transaction
Cons
- Limited companies and established sole traders preferred — brand-new sole traders may be declined
- Requires a personal guarantee from a company director
- Must clear the balance monthly to avoid interest — not suitable as a revolving credit facility
- Representative APR is higher than high-street business cards if you carry a balance
- Hard credit search at application — visible on your business and personal credit file
How to use the Capital on Tap promo code
How to claim the Capital on Tap promo code SETTINGUP \u2014 4 steps.
01
Click the Capital on Tap promo code link on this page
Use the button below — the SETTINGUP Capital on Tap promo code is pre-applied. You do not need to enter it manually during the application process.
02
Apply online — instant credit decision
Tell Capital on Tap about your business: annual turnover, trading time, directors. Most applicants get an instant credit decision and a digital card the same day. A hard credit search is performed.
03
Activate your Capital on Tap card
Add the digital card to Apple Pay or Google Pay immediately, or wait for the physical Visa card to arrive in the post within a few business days.
04
Make your first transaction to claim the 7,500 points
Use the Capital on Tap card for any normal business purchase. 7,500 reward points are credited to your account once the first transaction settles — usually within 30 days of activation.
Capital on Tap promo code FAQ
Capital on Tap promo code SETTINGUP \u2014 common questions.
What is the Capital on Tap promo code for 2026?
SETTINGUP is the current Capital on Tap promo code for 2026. It credits 7,500 reward points — worth approximately £75 in statement credit, cashback or Avios — after your first transaction on the Capital on Tap business credit card.
How do I use the Capital on Tap promo code SETTINGUP?
Click the referral link on this page and the Capital on Tap promo code SETTINGUP is pre-applied to your application automatically. You do not need to enter it manually during the sign-up process.
Is the Capital on Tap promo code SETTINGUP still valid?
Yes. SETTINGUP is the active Capital on Tap promo code as of May 2026. We update this page whenever the offer changes.
Is Capital on Tap a real credit card?
Yes. Capital on Tap is authorised and regulated by the Financial Conduct Authority and issues a Visa business credit card backed by a regulated UK lender. It is used by over 200,000 UK businesses.
Will the Capital on Tap promo code application affect my credit score?
Yes — a hard credit search is performed at application and is visible on your business and personal credit files. Soft eligibility checks are not offered for this card.
Can sole traders use the Capital on Tap promo code?
Established sole traders can apply using the SETTINGUP promo code, but limited companies are the main customer base. Brand-new sole traders without trading history are more likely to be declined.
What is the difference between a Capital on Tap promo code and a referral code?
Capital on Tap uses the terms promo code and referral code interchangeably. SETTINGUP is both — it is a promotional code that credits 7,500 bonus points when you apply via a referral link and make your first transaction.
How much is the Capital on Tap promo code worth?
The SETTINGUP Capital on Tap promo code credits 7,500 reward points. Points can be redeemed as statement credit (approximately £75), cashback to your linked bank account, or converted to Avios at 1.5 points per Avios.
Full Capital on Tap promo code offer terms
- 7,500 reward points (approximate value \u00a375) credited after the customer's first transaction on the Capital on Tap business credit card, completed within 30 days of card activation.
- Capital on Tap promo code
SETTINGUPis pre-applied at the referral link above. - Available to UK-registered businesses. Credit limits from \u00a35,000 up to \u00a3250,000, subject to status and affordability.
- Representative APR and pricing as displayed at point of application. Pay the balance in full each month to avoid interest charges.
- 1% cashback (1 point per \u00a31 spent) is uncapped and redeemable as statement credit, cashback, or Avios at 1.5 points per Avios.
- Capital on Tap is authorised and regulated by the Financial Conduct Authority.
- UK Startup receives a referral fee \u2014 it does not affect the offer or the pricing the customer receives.
- Offer verified May 2026. Subject to change \u2014 check Capital on Tap's website for the latest terms.
Looking for the other reader offer? Tide referral code REFER200 \u2014 \u00a3200 free cash \u2192