Capital on Tap Promo Code SETTINGUP — 7,500 Free Points (2026)

What is the Capital on Tap promo code?

Capital on Tap issues business credit cards to UK SMEs, freelancers, and e‑commerce sellers. The Capital on Tap promo code SETTINGUP is a new-customer welcome: 7,500 bonus points after your first card transaction within 30 days, in addition to 1% uncapped cashback on everyday spend.

This is a credit product — you will undergo a credit assessment, receive a limit, and should plan to clear the balance to avoid interest. Used responsibly, it is one of the most straightforward ways to earn cashback on ads, stock, software, and travel.

SETTINGUP bonus — how it works

Points usually appear in your rewards balance after the qualifying transaction clears. Redeem as statement credit or partner rewards inside the app. The welcome offer is separate from everyday cashback — you earn both over time.

How to apply with promo code SETTINGUP

1. 1. Open the partner application

   Use the claim link on this page so SETTINGUP is associated with your application.

2. 2. Enter business and director details

   Provide the active UK company details and confirm that the applicant is a UK-resident active director or a majority shareholder with at least 25% ownership.

3. 3. Add promo code SETTINGUP

   Paste into the referral or promotional code field — case-sensitive.

4. 4. Receive your credit limit

   Decisions are often instant; limits from roughly £1,000 up to £250,000 depending on profile.

5. 5. Make a first purchase within 30 days

   Any normal business spend — inventory, PPC, SaaS, client entertainment where allowed.

6. 6. Redeem points

   Convert to cashback or other rewards once credited to your account.

Eligibility for SETTINGUP

What the application search means in practice

At application, Capital on Tap runs a standard soft search on the applicant’s personal file. It does not affect the personal credit score and other lenders cannot see it. There is no visible hard search on the business credit file at that stage, removing a potential reason for an eligible business not to apply.

The later hard search still matters: it happens on the business file only when the credit agreement is signed and can then be visible to other lenders. Consider the timing before signing the agreement.

Capital on Tap business credit card review

Capital on Tap is built for businesses that put significant spend on a card and pay the statement in full. E‑commerce sellers use it for Amazon and Google ads; agencies for software and travel — pair with our Amazon fees and marketing ROI calculators to protect margins.

Standout features

• 1% uncapped cashback on eligible purchases
• Free employee cards on standard product
• High credit limits for growing businesses
• Quick online application and card issuance
• Accounting software feeds for reconciliation
• SETTINGUP welcome: 7,500 points (~£75)

Watch-outs

• Interest charges if you carry a balance
• Not a replacement for a business bank account
• Credit limit and approval vary by risk profile
• Miss the 30-day first-spend window and you lose the welcome points

Capital on Tap promo — pros and cons

Why pair Capital on Tap with Tide?

A common UK stack: Tide (REFER200) for incoming revenue, outgoing payments, and payroll; Capital on Tap for card spend that earns cashback. Pay the card bill from Tide each month to stay organised and avoid interest.

Together you can claim up to £200 banking welcome cash and ~£75 card points — both codes are on our exclusive offers hub.

Full terms (summary)

T&Cs apply. Get 7,500 points (worth £75) when you complete your first card transaction within 30 days of signing up. Subject to eligibility and approval. Affiliate link — we may earn a commission at no extra cost to you. Read Capital on Tap’s official terms before applying.