Partner offer · Business credit card · We may earn a referral payment · Terms checked 26 August 2026

Capital on Tap promo code SETTINGUP: get 7,500 points

Name: Capital on Tap — business credit card
Brand: Capital on Tap

Apply through the approved link and use SETTINGUP to qualify for 7,500 points after the campaign’s qualifying first card transaction. Reward value and conditions depend on the campaign terms and redemption route you choose.

Capital on Tap code

SETTINGUP

Qualifying transaction
7,500 points
Complete the first qualifying card transaction within the campaign window set out in the current approved terms.

Approved campaignSubject to statusPersonal guarantee requiredLast checked 26 August 2026

Check eligibility and apply with SETTINGUP See every condition and exclusion

Partner offer: we may receive a payment if you open an account through this link. This does not reduce your reward or increase your price. Capital on Tap sets eligibility and terms.

Last checked 26 August 2026.Report a change

Eligibility and terms at a glance

• Eligible UK incorporated businesses only; sole traders are not currently eligible.
• A business bank account, status checks and a personal guarantee are currently required.

Key facts at a glance

Provider: Capital on Tap
Product type: Business credit card
Code: SETTINGUP
Reward: 7,500 bonus reward points after the campaign’s qualifying first transaction
Qualifying conditions: One qualifying card transaction within the campaign window. Check the current campaign terms for the clock start, transaction definition and exclusions.
Deadlines: The campaign window, its trigger point and any excluded transaction types are governed by the current campaign terms. Capital on Tap states standard reward points are available once a purchase clears; confirm the separate promotional-points timing in the campaign terms.
Availability: United Kingdom only, subject to Capital on Tap's status and eligibility checks.
Terms last verified: 26 August 2026 by Kayley Hart

Who this is for

Directors of eligible UK companies who have already decided that a business credit card is appropriate and want the campaign terms stated plainly.

Before you read on

Write your spending rules first. A card enforces a decision; it does not make one. Build your spending policy.

Reviewed by a qualified professional

James Whitfield — FCCA, Chartered Certified Accountant — 18 years advising UK SMEs on employment costs, payroll and business finance. Reviewed 5 August 2026.

What the product actually is

A promo code changes the welcome reward only. It does not change eligibility, the credit assessment, the limit you are offered or the rate you pay.

Reward points are not cash. Their practical value depends on Capital on Tap's current rewards and redemption terms.

SETTINGUP is an authorised Capital on Tap partner campaign. The reward is 7,500 points after a first qualifying card transaction within 30 days, subject to the provider's current campaign terms.

Capabilities

Features that matter for a small team

What the code affects

The welcome bonus only.

What it does not affect

Eligibility, approval, credit limit, interest rate or the personal guarantee requirement.

Costs, risks and limitations

• This is a credit product. A welcome bonus is not a reason to borrow.
• Approval and limit are subject to assessment; a personal guarantee is currently required.
• Interest on a carried balance will exceed a one-off bonus quickly.
• Sole traders are not eligible under current criteria.
• Rates, credit limits and terms are set after Capital on Tap's assessment. Check the rate offered in your application before accepting any credit agreement.

Who benefits

• Eligible companies already applying for the card that clear the balance in full each month.

Who should look elsewhere

• Sole traders, who are ineligible.
• Any business that would carry a balance.
• Businesses under financial pressure — speak to Business Debtline first.

Alternatives

How this compares

Option	Strength	Trade-off
Apply with SETTINGUP when you were applying anyway	A bonus on a decision already made on the merits.	None beyond the card's own risks.
Apply because of the bonus	Short-term reward.	You have taken on debt and a personal guarantee for roughly £75 of points.

How to apply, in order

Pass the eligibility gate on this page.
Read the current campaign terms on Capital on Tap's own materials.
Apply through the tracked partner link on this page, entering the campaign code where prompted.
Complete a qualifying transaction within the stated window if you intend to claim the bonus.

Eligibility gate

This product has hard eligibility criteria. Applying involves a soft search of your personal credit file, which Capital on Tap says will not affect your personal credit score. A visible business-file search happens only if you accept and sign the credit agreement. We hide credit promotions from anyone whose answers suggest financial pressure. If cash is tight, a credit card is a cost, not a solution.

• UK private limited company, LLP or PLC, active on Companies House.
• Applicant is an active director, or a shareholder holding at least 25% of the business.
• Applicant resides in the UK.
• No unsatisfied County Court Judgments against the applicant or the business in the previous 12 months.
• The business is not in an excluded high-risk industry.
• Capital on Tap’s published eligibility information states annual turnover of at least £24,000; confirm this campaign’s current eligibility terms before applying.
• A business bank account is required.
• Sole traders are not currently eligible.
• Approval, credit limit and rate remain subject to assessment.
• A personal guarantee is currently required according to official materials.

The offer, in full

Status: active

Capital on Tap issues a business credit card to eligible UK incorporated businesses. For a small team the useful part is control: additional cards for employees at no extra card fee, an individual limit per card, virtual cards for a project or a contractor, the ability to freeze a card, receipt capture and accounting sync. The uncomfortable part is that it is credit. A personal guarantee is currently required, approval and limit are subject to assessment, and interest can cost far more than any cashback earns. Sole traders are not currently eligible at all. Decide the policy and the limits first; only then decide whether credit is the right instrument.

Business credit card

Capital on Tap

7,500 pointsAfter your first qualifying card transaction

Capital on Tap code

What you get

• 7,500 bonus reward points after the campaign’s qualifying first card transaction.
• 1% uncapped cashback on card spending.
• Credit limits from £1,000 up to £250,000, subject to assessment.
• No joining fee and no annual card fee.
• Free additional employee cards with an individual limit per card.
• Virtual cards for a project, a subscription or a contractor.
• Freeze and unfreeze any card instantly.
• Syncs with Xero, QuickBooks and Sage, with receipt capture.
• Instant spend notifications on every transaction.
• Accepted wherever Visa is accepted, with UK-based support.

How to claim

Applying involves a soft search of your personal credit file, which Capital on Tap says will not affect your personal credit score. A visible business-file search happens only if you accept and sign the credit agreement.
Apply through the tracked link below.
Enter code SETTINGUP in the promo field during your application.
Complete the first qualifying card transaction within the campaign window shown in the current approved terms.

Apply with SETTINGUP

This is a business credit card. Borrowing creates debt that must be repaid, a personal guarantee is currently required, sole traders are not currently eligible, and interest can cost more than any cashback earns.

T&Cs apply. 7,500 points after a campaign-qualifying first card transaction. Subject to eligibility, status and approval. A personal guarantee is currently required. Referral link.

Rated 4.7/5 on Trustpilot from over 10,000 reviews at the time of our last check.

This page describes a Capital on Tap campaign. If you apply through a tracked link on this site we may receive a payment. This does not change the eligibility rules, the risks or the alternatives we set out.

• This is a business credit card. Borrowing creates debt that must be repaid.
• A personal guarantee is currently required, which means you can be personally responsible for the balance if the business cannot pay.
• Approval, credit limit and interest rate are subject to status and to Capital on Tap's assessment. Nothing here implies you will be approved or offered a particular limit.
• Interest charges can easily exceed cashback if a balance is not cleared. Rewards are not a reason to borrow.
• If money is already tight — arrears, unaffordable payroll, missed payments or insolvency risk — do not treat a credit card as the answer. Free debt advice is available from Business Debtline.

Business credit is subject to status. Capital on Tap’s public product information states rates start from 13.86% APR (variable), but the rate, credit limit and terms offered depend on its assessment. A personal guarantee is currently required. Confirm the rate shown in your own application before accepting credit.

Terms last verified 26 August 2026. Confirm current terms on the provider's own site before applying.

Frequently asked questions

Is SETTINGUP active and when was it checked?

The campaign record is active and was last checked on 26 August 2026. Campaigns can change, so confirm the current terms in the application journey before applying.

What are 7,500 points worth?

Capital on Tap’s public rewards information states that 1,000 points equals £10 against a card balance, so 7,500 points is £75 on that route. It also offers other redemption routes, whose value can differ; check the current reward and campaign terms.

What is a qualifying first transaction?

The campaign requires a qualifying first card transaction. Its exact definition and exclusions are governed by the current campaign terms, so do not assume all attempted or reversed transactions qualify.

When does the campaign clock start?

The approved record confirms a campaign window but does not publish its trigger point. Check the current terms to establish whether it starts at approval, agreement signing or card activation.

When are points credited?

Capital on Tap says standard reward points are available once a purchase clears. Confirm the timing of this separate campaign reward in the terms shown in your application.

Which businesses and applicants qualify?

Capital on Tap’s published criteria cover active UK private limited companies, LLPs and PLCs. The applicant must be a UK-resident active director or 25%+ shareholder; approval, limit and rate remain subject to assessment.

Is £24,000 turnover required?

Capital on Tap’s published eligibility information states annual turnover of at least £24,000. Confirm that this remains an eligibility requirement for the SETTINGUP campaign before applying.

Are sole traders eligible?

No. Sole traders are not eligible under the published Capital on Tap business-card criteria.

What credit searches occur and when?

Capital on Tap says it performs a soft search on the applicant’s personal credit file at application, which does not affect the personal credit score and is not visible to other lenders. It says a visible business-file search happens only if you accept and sign the credit agreement.

Is a personal guarantee required?

Capital on Tap’s published information says a personal guarantee is required. That can make you personally responsible if the business cannot repay the balance.

What rate might be offered and where is it shown?

Capital on Tap’s public product page states rates start from 13.86% APR (variable). The actual rate, credit limit and terms depend on its assessment and are shown in your own application or agreement.

Does the code affect approval or the rate?

No. A promotional code changes the campaign reward only; it does not change eligibility, the assessment, a credit limit or the rate offered.

Can SETTINGUP be added after applying?

Enter SETTINGUP through the approved tracked application journey. Do not rely on being able to add it later unless the current campaign terms say so.

What should I do if points do not appear?

Keep the code, the tracked-link confirmation, the campaign terms, evidence of the qualifying transaction and its cleared date. Contact Capital on Tap first, then report a discrepancy to us using the link above.

Sources & Citation

Cite this page

Hart, K. (2026) "Capital on Tap promo code: SETTINGUP reward explained". The Small Team Builder. Available at: https://www.kayleyhart.co.uk/capital-on-tap-promo-code

2 August 2026 — Campaign code, qualifying window and tracked partner link last checked against the active campaign record.

Affiliate and partner disclosure: this site earns money from a small number of authorised partner campaigns, currently Tide and Capital on Tap. Partner links are tracked. We do not accept payment for a positive verdict, and we publish who should not use a product as prominently as who should.