Business credit cards – Flexible short-term funding for everyday expenses
A business credit card can make managing company expenses simple. From covering everyday costs to smoothing cash flow, credit cards provide flexible access to funds without needing a full loan.
Funding Options by Tide works with Capital on Tap, offering UK business owners one of the most competitive credit cards on the market. Compare features, check eligibility, and apply in minutes through our platform.
What is a business credit card?
A business credit card works like a personal credit card, but is designed for company use. It allows you to:
Pay for business expenses such as stock, fuel, or travel
Control and track employee spending
Improve cash flow by paying suppliers upfront while repaying later
Build your business credit history when managed responsibly
Unlike a business loan, you don’t receive a lump sum. Instead, you have a revolving line of credit you can use when needed.
Business credit card from Capital on Tap
Funding Options by Tide only works with Capital on Tap to provide business credit cards.
Capital on Tap Business Credit Card highlights:
Credit limits up to £250,000 (subject to status)
Unlimited free supplementary cards for employees
Up to 1% cashback on business spending
No UK ATM withdrawal fees
Integrates with Xero, QuickBooks and other accounting tools
Apply online and get a decision in minutes
Note: Credit is subject to status and affordability checks. Terms and conditions apply.
Pros and cons of business credit cards
Pros and cons of business credit cards
Pros | Things to consider |
Flexible access to funds for everyday expenses | Interest applies if you don’t repay in full each month |
Cashback rewards on business spending | Limited to Capital on Tap cards via Funding Options |
Helps manage and track employee expenses | Not suitable for large one-off investments |
May build business credit profile if used responsibly | Credit limits depend on turnover and credit history |
Easy online application process with quick decisions | Missed payments can affect your credit score |
Capital on Tap business credit card options
Free business credit card
A business credit card is available with no annual fee, 1% cashback on all spending (with no upper limit), and no foreign exchange charges. Additional features may include unlimited free employee cards, integration with accounting software, 24/7 customer support, and a 4.00% AER (variable) Instant Savings account. Eligibility criteria, terms, and conditions apply.
Pro Business credit cards
Capital on Tap Premium Metal Card charges a £299 annual fee. It offers uncapped 1% cashback on all spending with no FX fees, plus 10,000 bonus points when you spend £5,000 in the first 3 months. Enjoy unlimited airport lounge access for the main cardholder, two annual guest passes, and guest discounts. Cardholders also receive Radisson Rewards VIP status, 24/7 support, and six months free Xero for first-time subscribers. Features, fees, and conditions may change. Visit the official website for details; terms apply.
Business credit card alternatives
Merchant cash advance
Revolving credit facility
Invoice finance
Asset finance
Eligibility for Capital on Tap business credit card
To qualify, you’ll usually need:
A UK-registered business
Directors or owners aged 18+
Decent business or personal credit history
Minimum annual turnover (usually £2,000+)
Example use cases
Freelancer – pays travel and equipment costs with cashback rewards.
Retailer – issues multiple staff cards to track and control daily spending.
SME owner – uses the card for marketing campaigns while managing cash flow.
Trusted by over 17,000 customers
How does Funding Options work?
Tell us how much you need
We’ll ask a few questions about your business and the reason for your loan.
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Our smart technology will compare quotes from up to 80+ lenders to help you find the ideal business loan.
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We'll be there to guide you through every step of the process.
Why choose Funding Options by Tide?
Funding Options by Tide helps UK SMEs find fast, tailored business finance by connecting them with over 80 trusted lenders. Backed by Tide and FCA-regulated, the service is free and easy to use.
Compare 80+ UK lenders in minutes
We scan the market so you don’t have to, finding the right option for your business.
Trusted by 17,000+ UK businesses
From startups to established SMEs, we’ve already helped secure over £1bn in funding.
FCA-regulated and Tide-backed
We operate as a credit broker, not a lender, giving impartial access to multiple finance products.
Excellent customer experience
Our Trustpilot rating is 4.8 out of 5, based on 1,300+ independent reviews.
Personalised support
Our team can guide you through the process and help you choose the finance that fits your needs.
Find out more about business credit cards
Does Funding Options offer multiple providers for business credit cards?
No. We currently partner only with Capital on Tap to provide business credit cards.
How much cashback can I earn?
Capital on Tap offers up to 1% cashback on business spending.
What credit limit could I get?
Limits vary depending on your business turnover and credit profile, up to £250,000.
Do business credit cards affect my credit score?
Yes. Responsible use can improve your score, while late or missed payments can harm it.
Can startups apply?
Yes, provided the business is UK-registered and meets minimum turnover requirements.
Estimate your costs today
If you're ready to take your business to the next level, use our business loans calculator to get an idea of what you can afford.
Want to understand the cost of your loan?
Use our business loan calculator below to find out how much you can borrow to take your business to the next level.
Calculations are indicative only and intended as a guide only. The figures calculated are not a statement of the actual repayments that will be charged on any actual loan and do not constitute a loan offer.
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Total interest
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Financial product information
Representative example*
• 7.63% APR Representative based on a loan of £50,000 repayable over 24 months.
• Monthly repayment of £2,252.94. The total amount payable is £54,070.56
*Some lenders may apply fees during the application process, please note that these are set and provided by these entities.
Annual Percentage Rates
Rates from 2.75% APR
Repayment period
1 month to 30 years terms
Please note that the information above is not intended to be financial advice. You should seek independent financial advice before making any decisions about your financial future.
It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.
Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. Funding Options are a credit broker and do not provide loans directly. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. Funding Options will receive a commission or finder’s fee for effecting such finance introductions.
Joe Morley
Business Finance Lead
Joe has been helping UK businesses secure the funding they need since 2015. Over the years, he’s supported hundreds of SMEs in accessing millions of pounds for everything from purchasing essential assets to unlocking working capital for day-to-day operations. As Head of Sales at Funding Options, Joe leads a large team of expert Business Finance Specialists dedicated to finding the right solution for every customer. His goal is simple - to make securing finance straightforward, stress free, and tailored to each business’s needs.