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Capital On Tap Business Credit Card, issued by WebBank, lets you earn unlimited 1.5% cash back on all purchases—which will be boosted to 2% cash back if you choose weekly AutoPay. On top of that, it has $0 annual fees and offers up to $50,000 credit limits based on creditworthiness. Note, however, that only businesses that have been in operation for six months or more, with at least $2,500 monthly revenue, can qualify. Also, sole proprietorship businesses, non-profit organizations, and non-registered organizations are not eligible.
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Capital On Tap Business Credit Card Visa
BEST FOR:
Those who want fixed-rate cash back rewards
- Unlimited 1.5% cash back on all purchases
- Boost cash back to 2% by switching to weekly AutoPay
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit organizations are not eligible
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
- Unlimited 1.5% cash back on all purchases
- Boost cash back to 2% by switching to weekly AutoPay
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit organizations are not eligible
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
When grading cash back business credit cards like the Capital On Tap Business Credit Card, we first consider the ongoing and introductory rewards. We also consider the annual fee, introductory and ongoing APRs, and other card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 30 |
Introductory Rewards | 0 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 5 | 15 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 53 | 100 |
Who the Capital On Tap Business Credit Card Is Best For
- Registered companies operating for six months with at least $2,500 monthly revenue: To qualify, your business must be registered as an LLC or corporation and must be in operation for six months with monthly revenue of at least $2,500.
- Those who can make weekly automatic payments: You’ll receive 2% cash back instead of 1.5% if you opt for weekly AutoPay—this can help you maximize your rewards.
See our recommended alternatives below if this card isn’t the best fit for your business.
Capital On Tap Business Credit Card Rewards
- Unlimited 1.5% cash back on all purchases with no category restrictions, boosted to 2% cash back if you choose to make automatic weekly payments.
Rewards Calculator
You can figure out how much you can earn from the Capital On Tap Business Credit Card based on your estimated monthly expenses. Our rewards calculator will compute your potential rewards; just enter your expected monthly spending—and our calculator will do the rest.
You can redeem your points through the Rewards page on the portal. Points can be used for a statement credit, travel, or gift cards from Apple, Amazon, Airbnb, and more.
Capital On Tap Business Credit Card Features
- Credit limits: Get up to a $50,000 credit limit, depending on your creditworthiness
- Integrated accounting software: Integrate with accounting software like QuickBooks and Xero to auto-sync your transactions, categorize expenses, and generate up to 90 days of historical data
- Free employee cards: Issue unlimited employee cards, set spending limits, and receive real-time notifications at no additional cost
- Fraud protection: Have peace of mind because you won’t be held responsible for unauthorized transactions or unauthorized use of your account information
- Ability to build business credit: Establish payment history and pay your balance responsibly to help build business credit score over time
Capital On Tap Business Credit Card Fees
APRs
- Introductory: None
- Ongoing: 18.49% to 35.99% variable, which adjusts with the prime rate
- Cash advance: 35.99% variable, which adjusts with the prime rate
Fees
- Annual: $0
- Cash advance Note that this fee will apply on non-ATM cash advances only. : Either $10 or 3% of the amount of each advance, whichever is greater
- Foreign transaction: $0
- Late payment: $29
- Returned payment: $0
Your payment due is 15 business days after the end of each billing cycle.
- Automatic Payments via automated clearing house (ACH): Capital On Tap requires you to set up your direct debit for automatic monthly payments. You can either pay the full balance or the minimum amount (10% of your balance).
Capital On Tap Business Credit Card Alternatives
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
The American Express Blue Business Cash™ Card offers up to 2% cash back, which will be automatically credited to your billing statement without the need for manual redemption. It comes with $0 annual fees and features Expanded Buying Power, letting you spend over your credit limit when you need to. You can also enjoy a 0% purchase APR for 12 months, and a one-time $250 statement credit when you meet the spending requirements.
Read our article on the best American Express business credit cards for more options from this provider.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is known for its generous cash back of up to 5%, lucrative welcome offer of $750 cash back when you meet the spending requirements, and $100 annual statement credits for recurring software expenses. On top of that, it charges $0 annual fees, offers 0% purchase APR for 12 billing cycles, and lets you pay off your eligible balance over time without interest through the U.S. Bank ExtendPay® Plan.
For other alternatives from the U.S. Bank, check out the top U.S. Bank business credit cards.
card_name
card_name
BEST FOR:
Maximizing travel rewards at a lower annual fee
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
The card_name is a great option if you travel often and need a high credit limit. It lets you earn up to 5x points on your purchases, which you can redeem in various ways including travel, cash back, gift cards, and more. If you choose to redeem for travel, the value of your points is worth 25% more. While it charges an annual fee of $95, you can receive a generous welcome offer when you meet the spending requirements and enjoy a relatively high credit limit compared to most other business credit cards.
Head over to our guide to the leading Chase business credit cards to see other options from this issuer.
Frequently Asked Questions (FAQs)
You can apply online and receive a response within 48 hours. You will need to ensure that you meet the following criteria:
- An annual business revenue of $2,500 per month, and;
- The business has been active and running for more than six months and has been making money from providing goods and services
Note that it takes less than 5 minutes to fill out the application form online, and you will get a response within 48 hours. Once approved, you can use the virtual cards issued to you for your business transactions.
You can receive a credit limit of up to $50,000 for the Capital On Tap Business Credit Card.
Yes, Capital On Tap Business Credit Card requires a personal guarantee for application.
Bottom Line
Capital On Tap Business Credit Card is ideal for those with at least $2,500 monthly revenue and can make weekly automatic payments. You’ll earn 1.5% cash back on purchases, which can increase to 2% cash back if you opt for weekly AutoPay. Keep in mind that sole proprietors, charities or non-profit organizations, trusts or funds, and clubs or other non-registered organizations are not eligible to apply.
