Capital on Tap Promo Code

Credit Crad

Here is the best Capital on Tap promo code: 2REFC237G71 that will get you get a free £75 credited to your account.

The money is classed as a “Goodwill Referral”. In simple terms, it’s a sign up or welcome bonus.

This is totally genuine, I’ve used it, so I know it works. I got the £75 and so has my brother and two other friends I’ve referred. The code is valid throughout the whole of 2022.

If you apply and are accepted for the Capital on Tap (CoT) business credit card using the referral code 2REFC237G71 then soon after you’ve used your new card for the first time, they will credit your account with a £75 welcome bonus!

Once the £75 has been credited to your account you can either use the card to effectively spend the free money or just withdraw the cash to your business bank account.

Visit the Capital on Tap Website here. (Don’t forget to use the code)

Or go straight to the online application form here: promo code. (The promo code will be pre-populated on the form if you use this link)

Does Capital on Tap perform credit checks?

They don’t do a full credit check that will leave a “footprint” on your credit history.

So asking is not only quick (the online application takes a couple of minutes) it isn’t going to affect your credit if you are declined.

They do what they call a “soft touch inquiry” about your business and personal credit, this means only you and CoT will know it has been carried out.

Main Criteria

That will not accept anyone with County Court Judgements (CCJ’s).

You must be a business user (it’s not a personal card) and your company must have a minimum turnover of £24,000 per annum and ideally been trading for 12 months. They may take you if you have only been trading for 9 or 10 months so if your company is new it may still be worth asking.

My Capital on Tap Review

Briefly, these are the main reasons I like the card.

I opted for the “Standard” yellow card, mainly because it’s FREE to apply for and I got a £75 welcome bonus with the promo code. 2REFC237G71

Capital on Tap Promo Code
CoT Business Credit Card

There are no application fees, and there are no monthly or annual account charges, and no transaction charges. They don’t charge FX or cash machine charges either.

So, if like me you pay off your full balance each month then I get up to 56 days interest free credit on what I spend.

If you don’t pay the balance in full then there are cards with lower interest rates but for companies with small to medium turnover figures they are not always willing to give you a card.

They do have a “Business Rewards” card but that is £99 to apply for. This would only suit users who spend a lot on their card as you get points/cashback.

For full details on the CoT business credit card and all the terms and conditions visit their website here: Capital on Tap.

If you want to apply you can click through here and I’ve pre-populated the promo code for you. Apply with code here.

Trust Pilot Reviews for Capital on Tap
Rated Excellent on Trustpilot

Best Promo Code for Capital on Tap

There are not many “no strings” ways of getting FREE money these days but the CoT business credit card does offer a £75 referral promotion.

It is really that simple, use Promo Code 2REFC237G71 when you apply (if you don’t use the code, you will not get the £75)

If you have any friends who are also company directors or business owners, please feel free to share this code with them as they will get the £75 as well.

Here is the link to the website where I first copied the promo code from for this article.

Are Promo Codes Safe?

Well the one on the is page is safe but that is because it isn’t like most discount codes you see advertised on the internet.

This is a referral code from a genuine account. Inside my account it says “Tell your friends about Capital on Tap and earn £75 for every successful referral.” So by sharing my code with you, we can both benefit financially if you take out a new capital on tap credit card.

To be clear this isn’t a discount or voucher offer. It is a “refer a friend” code.

Beware of many of the many “discount” voucher code sites especially if they ask you to pay a fee to get a code. The best genuine discount websites don’t “sell” vouchers and “Promo codes”.

Scam sites are a worry and many of the promo codes never work for a variety of reasons. Many of them might have been OK originally but the promotion has long since ended.

Accounting with Capital on Tap

It is easy to synchronize and fully integrate your Capital on Tap credit card spending to a variety of accounting apps you may already be using.

Currently you can link your account to the following.

Xero account, QuickBooks, Sage Cloud, FreshBooks, KashFlow, and FreeAgent.

This makes keeping track of your company spending ridiculously easy.


I’ve had a CoT business credit card for over a year now and I’ve been very pleased with it so far.

Any time I’ve had a question I’ve found the online chat is answered very quickly and you can actually phone and speak to a real person which is unusual these days.

Capital on Tap Promo code

There are not many companies giving away free money, but this welcome/referral bonus really is free money.

So if you are thinking of applying for a business credit card, be sure to take advantage of this Promo Code: 2REFC237G71

*If you use the code to get the seventy five pounds of free money, I will also get the same for referring you.

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For more in depth information on company credit cards read our in depth article on the subject here.

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