Capital on Tap Business Credit Card Review: Simplified Cash Back for Businesses

Capital on Tap: Uncomplicated 1.5% cash back for eligible businesses, with no annual fee.

Capital on Tap Business Credit Card Review: Simplified Cash Back for Businesses

Capital on Tap offers a business credit card that simplifies the reward-earning process by providing a straightforward, unlimited 1.5% cash back on all purchases. This card suits small businesses looking for an uncomplicated cash-back card with no annual fee. However, it's important to note the exclusivity regarding eligibility, as sole proprietors and various organizational types cannot apply.


  • Annual Fee: $0, ensuring cost-effectiveness for businesses.
  • APR: Variable 18.49%-35.99%, which might be higher for businesses with lower credit scores.
  • Sign-Up Bonus: $200 cash back after spending $15,000 within the first 3 months, a nice initial perk.
  • Cash Back: Earn an unlimited 1.5% back on all purchases, making reward earning simple and straightforward.
  • Foreign Transaction Fee: None, making it suitable for businesses with overseas transactions.


  • Simplicity: The card awards a flat cash-back rate on all purchases without any caps or restrictions, ideal for businesses seeking uncomplicated rewards.
  • Customer Service: Provides 24/7 live customer support, offering convenience and reliability.
  • Employee Cards: The availability of unlimited employee cards at no extra cost enhances its utility for businesses.


  • Exclusivity: Not available to sole proprietors, limiting its accessibility for many small businesses.
  • High APR Potential: While the starting APR is competitive, the upper range is quite high, which could become costly for those unable to secure the lower rate.
  • Reward Redemption: Though cash back is straightforward, the potential for higher reward yields through other cards with specific spending categories or higher flat rates might make other options more appealing.

Product Summary

The Capital on Tap Business Credit Card is a solid choice for small businesses with its no-annual-fee structure and uncomplicated 1.5% cash back on all purchases. It shines in its simplicity and accessibility, provided businesses meet the specific eligibility criteria. The card's potential for a high APR on the upper end and exclusion of sole proprietors may steer some businesses toward other products offering higher rewards or broader eligibility.

For businesses aligned with its qualification requirements and looking for a straightforward rewards card without an annual fee, Capital on Tap delivers solid value, particularly for those confident in their ability to manage the variable APR effectively.

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