Capital on Tap
Capital on Tap is a B2B expense / corporate issued on Visa, rated 7.2/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Capital on Tap is the strongest fit for all-rounder and ad spend, and asks for business KYC at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Capital on Tap · B2B Expense / Corporate |
| Official site | https://capitalontap.com |
| Best for | All-rounder · Ad spend |
| Network | Visa |
| Rating | 7.2/10 (3.5★, 932 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free (no card fee) |
| Monthly / annual fee | Free (no annual fee); Pro £299/yr (UK) |
| Top-up (deposit) fee | N/A (credit card) |
| FX / conversion fee | 0% FX fees (UK/EUR/USD); US 0% foreign transaction fee |
Verification and risk
| KYC required | Yes (business verification; Ltd/LLP/PLC only, not sole traders) |
| Risk level | Low |
| AVS check | Yes |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited employee/virtual cards |
Billing
| Billing address | Business |
| Billing country | UK (Ltd/LLP/PLC); US (via WebBank) |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | Yes |
What the issuer states on its own site
- Get unlimited 1% cashback on all card spending.
- Start with just £1 and enjoy flexible access, no withdrawal penalties, and no monthly fees.
- Turn your business spending into rewards with unlimited 1% cashback on every purchase.
- Never miss out on rewards: Still earn uncapped 1% cashback on every pound you spend using preloaded funds.
- Get a Pro-tier boost: Pro plan members earn an exclusive 1.25% cashback on all preloaded spending.
Source: https://capitalontap.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 428901 | Visa | United Kingdom | Debit | 253 | 184 | 72.7% |
We logged 184 cleared charges out of 253 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Capital on Tap cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; top-ups cost N/A (credit card); conversion is priced at 0% FX fees (UK/EUR/USD); US 0% foreign transaction fee. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Capital on Tap?
Capital on Tap asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (business verification; Ltd/LLP/PLC only, not sole traders)
How can I fund Capital on Tap?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Capital on Tap need?
Setting it up: the billing address type is Business; cards are issued against UK (Ltd/LLP/PLC); US (via WebBank); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Capital on Tap work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Capital on Tap trigger 3-D Secure?
Yes. Capital on Tap supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Capital on Tap?
The issuer allows Unlimited employee/virtual cards. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.