Capital on Tap Business Credit Card
By Alex Compton · Last verified
Up to 2% flat business cash back that approves on revenue, not just your FICO.
Welcome Bonus
None
No standing welcome offer on the official page; 1.5% cash back, 2% with weekly AutoPay confirmed
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
600+
(Fair); revenue-based underwriting
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo standing welcome offer on the official page; 1.5% cash back, 2% with weekly AutoPay confirmed | Capital on Tap US product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo standing welcome offer | Archive record · no attached snapshot |
| 2021-05 | $0 | No recorded spend | Earliest recordUS launch | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
1.5% cash back, 2% with weekly AutoPay, limits to $50,000, no annual or FX fees, WebBank issuer confirmed
Capital on Tap US product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 1.5xAll purchases
- 2xAll purchases with weekly AutoPay enabled
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Issued by WebBank; the fintech is a UK lender with a large US book
- ✦No annual fee, no foreign transaction fees, no account maintenance fees
- ✦Free employee and virtual cards with per-card spend controls
- ✦Credit lines up to $50,000 with decisions in minutes
Why it earns its spot
- +2% flat with weekly AutoPay matches the best business flat rates
- +Underwrites business revenue, so fair personal credit can still qualify
- +Genuinely fee-light for a fintech business card
Where it costs you
- −Requires 6+ months in business and about $2,500 in monthly revenue
- −Not available to sole proprietors, nonprofits, or trusts
- −APR can run high if you revolve, and a personal guarantee is required
The Compound Verdict
One of the few real 2% business cards you can apply for directly, and the revenue-based underwriting opens the door for owners whose personal credit is still healing. Turn on weekly AutoPay for the full 2% and never revolve, because the interest rates are built for the lender, not for you.
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