Capital On Tap

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Building simple tools for real-world businesses to achieve great things

Capital on Tap has provided access to funding to help 100,000+ businesses grow, and we are just getting started. Today, we provide access to business credit cards, but as the needs of our customers evolve, we will too. However, our end goal is always the same: building simple tools for real-world businesses to achieve great things.

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Phone Number
(833) 972-1323

Minimum Requirements

  • US registered company with more than 3 months trading history.
  • Annual turnover of at least $30,000

How to Apply


  • 1.5% Unlimited Cash Back
  • Limits from $1,000.00-$50,000.00
  • $0 Annual Fee
  • $200 Cash Back when you spend just $15,000 in the first 3 months
  • Up to 20 Cards Available for your Employees
  • Great Rates as low as 9.99% APR
  • Actual rate may vary based on your business profile. APRs range from 9.99%-34.99%
  • Applying will not impact your credit score


  • Annual Fees: None
  • Transaction Fees
  • Cash Advance: None
  • Foreign Transaction: None
  • Penalty Fees
  • Late Payment: None
  • Returned Payment: None


  • APR for Purchases: 9.99% - 34.99%
  • APR for Cash Advances: N/A
  • Penalty APR: N/A
  • When it Applies: This APR will apply to your Account if you make 2 or more late payments in a 12-month cycle.
  • How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will continue to apply until after you have made timely payments, with no returned payments, for 12 billing periods in a row.
  • Paying Interest: Your due date is up to 15 business days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We begin charging interest on cash advances on the transaction date.
  • Interest is calculated daily and stamped onto your account monthly at the end of your billing period
  • Interest rates range from 9.99% to 34.99% APR
  • Card purchases won’t accrue interest if you pay your balance in full each month
  • There are no FX, no annual fees, no joining fees for our standard card
  • Additional interest may be charged when you take funds from an ATM - check your Terms & Conditions for more details
  • The standard rewards program is FREE
  • Your monthly minimum repayment will be the greater of 10% of your closing balance or $100 (or your balance if this is less than $100)
  • You can repay with flexible ACH options or using a debit card
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