{"id":8515,"date":"2024-09-09T08:26:29","date_gmt":"2024-09-09T08:26:29","guid":{"rendered":"https:\/\/travelaffiliatewebsite.com\/mer\/capital-on-tap-business-credit-card-review-full-details\/"},"modified":"2024-09-09T08:26:29","modified_gmt":"2024-09-09T08:26:29","slug":"capital-on-tap-business-credit-card-review-full-details","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/capital-on-tap-business-credit-card-review-full-details\/","title":{"rendered":"Capital on Tap Business Credit Card review: Full details"},"content":{"rendered":"<p><\/p>\n<div><a id=\"capital-on-tap-business-credit-card-overview\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Capital on Tap Business Credit Card overview<\/h2>\n<p>The <a href=\"https:\/\/thepointsguy.com\/apply\/capital-on-tap-business-credit-card\/?issuer=Capital+On+Tap&amp;name=Capital+on+Tap+Business+Credit+Card&amp;pid=8408&amp;tid=post\">Capital on Tap Business Credit Card<\/a> is one of the newest no-annual-fee business cards on the block, and it doesn&#8217;t require a hard pull on your credit report. It comes with a solid set of benefits for a no-annual-fee card, including some protections commonly seen on higher-end, more expensive products. <strong><em>Card rating*<\/em>: \u2b50\u2b50\u2b50<\/strong><\/p>\n<h6><em>* <a href=\"https:\/\/thepointsguy.com\/review-methodology\/\" rel=\"noopener\" target=\"_blank\">Card rating<\/a> is based on the opinion of TPG&#8217;s editors and is not influenced by the card issuer.<\/em><\/h6>\n<hr class=\"jsx-3272990499\"\/>\n<p>Capital on Tap launched in 2021, and it&#8217;s all about making it &#8220;easy&#8221; for business owners by streamlining the eligibility and application process. This is one of the card&#8217;s main distinguishing factors. In addition, you&#8217;ll enjoy unlimited 1.5% cash back and benefits such as a car rental collision damage waiver and travel assistance, along with a simple-to-use online portal for managing your account.<\/p>\n<p>In addition, unlike other small-business cards that are <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ways-you-might-be-eligible-for-business-credit-card\/\" rel=\"noopener\" target=\"_blank\">available to freelancers and sole proprietors<\/a>, the Capital on Tap card is only available if the following criteria are met:<\/p>\n<ul>\n<li>Your business is not a sole proprietorship, charity, non-profit, trust, fund, club or other non-registered organization<\/li>\n<li>Your business has been active for at least six months<\/li>\n<li>You have at least $2,500 per month in revenue<\/li>\n<li>You make money mostly from selling goods and\/or services<\/li>\n<\/ul>\n<p>That said, since the card has <a href=\"https:\/\/thepointsguy.com\/credit-cards\/annual-fee-worth-it\/\">no annual fee<\/a> and conducts a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hard-pull-vs-soft-pull-credit-report\/\">soft pull<\/a> on your credit report, it can be a great option for businesses looking for a straightforward way to earn on business expenses. We recommend a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-credit-scores-work\/\">credit score<\/a> of 670 or higher before applying for this card.<\/p>\n<p>Here&#8217;s everything you need to know about the <a href=\"https:\/\/thepointsguy.com\/apply\/capital-on-tap-business-credit-card\/?issuer=Capital+On+Tap&amp;name=Capital+on+Tap+Business+Credit+Card&amp;pid=8408&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Capital on Tap Business Credit Card<\/a>.<\/p>\n<p><a id=\"capital-on-tap-business-credit-card-pros-and-cons\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Capital on Tap Business credit card pros and cons<\/h2>\n<div class=\"jsx-3297233758 tpg-table has-sticky-left-column \">\n<div tabindex=\"0\" class=\"jsx-3297233758\">\n<table class=\"jsx-3297233758\">\n<thead class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<th class=\"jsx-3297233758\">Pros<\/th>\n<th class=\"jsx-3297233758\">Cons<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"jsx-3297233758\">\n<tr class=\"jsx-3297233758\">\n<td>\n<ul>\n<li>No annual fee<\/li>\n<li>No foreign transaction fees<\/li>\n<li>Free employee cards<\/li>\n<li>Only does a soft pull on your credit<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Other cards offer higher flat cash back rates<\/li>\n<li>Stricter application restrictions compared to other business cards<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p><a id=\"capital-on-tap-business-card-welcome-offer\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Capital on Tap Business card welcome offer<\/h2>\n<p>Unfortunately, the <a href=\"https:\/\/thepointsguy.com\/apply\/capital-on-tap-business-credit-card\/?issuer=Capital+On+Tap&amp;name=Capital+on+Tap+Business+Credit+Card&amp;pid=8408&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Capital on Tap Business card<\/a> does not provide a welcome offer.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Capital-on-Tap-Business.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Capital-on-Tap-Business.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Capital-on-Tap-Business.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Capital-on-Tap-Business.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Capital-on-Tap-Business.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Capital-on-Tap-Business.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Capital-on-Tap-Business.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Capital-on-Tap-Business.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Capital-on-Tap-Business.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">THE POINTS GUY<\/figcaption><\/figure>\n<p>Plenty of business cards offer <a href=\"https:\/\/thepointsguy.com\/credit-cards\/limited-time-card-offers\/\">welcome bonuses<\/a>, so make sure you believe the Capital on Tap card&#8217;s benefits are worth forgoing a welcome bonus before applying.<\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/guide-to-applying-small-business-credit-cards\/\" rel=\"noopener\" target=\"_blank\">How to apply for a business credit card<\/a><\/strong><\/p>\n<p><a id=\"capital-on-tap-business-card-benefits\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Capital on Tap Business card benefits<\/h2>\n<p>While the <a href=\"https:\/\/thepointsguy.com\/apply\/capital-on-tap-business-credit-card\/?issuer=Capital+On+Tap&amp;name=Capital+on+Tap+Business+Credit+Card&amp;pid=8408&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Capital on Tap Business card<\/a> does not offer many perks, it does have certain notable benefits. First, its credit limit can be as high as $50,000, which can be a great fit for small businesses looking for a lot of purchasing power.<\/p>\n<p>Most Capital on Tap applications will receive a response within 24 hours. Capital on Tap also provides unlimited <a href=\"https:\/\/thepointsguy.com\/credit-cards\/authorized-user-company-credit-card\/\">additional cards<\/a> at no extra cost, which allows employees to make purchases on behalf of the company. It also includes easy-to-use expense software for employees.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2024\/05\/Woman-picking-up-mail-from-mail-box-while-checking-smartphone_d3sign.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">D3SIGN\/GETTY IMAGES<\/figcaption><\/figure>\n<p>The card incurs no foreign transaction fees, making it a perfect travel card for your small business and employees who must leave the country. That said, if your small business&#8217;s primary expense is travel, there may be <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener\" target=\"_blank\">better business cards for you<\/a> than the Capital on Tap card. This card also has no ATM fees.<\/p>\n<p>In addition, as a Visa Corporate product, the Capital on Tap card comes with certain benefits built in, including secondary rental collision coverage (not to be confused with <a href=\"https:\/\/thepointsguy.com\/credit-cards\/cards-rental-car-coverage\/\" rel=\"noopener\" target=\"_blank\">primary car rental insurance<\/a>) and travel assistance.<\/p>\n<p>You also receive virtual cards as soon as you are approved, and physical cards are generally delivered in four business days.<\/p>\n<p><a id=\"earning-and-redeeming-cash-back-on-the-capital-on-tap-business-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Earning and redeeming cash back on the Capital on Tap Business card<\/h2>\n<p>Ease of use is clearly a theme for the <a href=\"https:\/\/thepointsguy.com\/apply\/capital-on-tap-business-credit-card\/?issuer=Capital+On+Tap&amp;name=Capital+on+Tap+Business+Credit+Card&amp;pid=8408&amp;tid=post\">Capital on Tap card<\/a> with its simple application process, which also holds true for the card&#8217;s earning and redemption structure.<\/p>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6796875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/10\/GettyImages-1247605438-scaled.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/10\/GettyImages-1247605438-scaled.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/10\/GettyImages-1247605438-scaled.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/10\/GettyImages-1247605438-scaled.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/10\/GettyImages-1247605438-scaled.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/10\/GettyImages-1247605438-scaled.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/10\/GettyImages-1247605438-scaled.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/10\/GettyImages-1247605438-scaled.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2021\/10\/GettyImages-1247605438-scaled.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">You can easily travel and redeem your cash-back rewards through an online portal. DRAGONIMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Eligible purchases earn unlimited 1.5% cash back. If you enroll in weekly autopay, you will receive 2% cash back.<\/p>\n<p>Cardholders can redeem their cash-back rewards for <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-long-statement-credits-take\/\">statement credits<\/a> to pay off an existing balance or to purchase <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-credit-cards-for-purchasing-gift-cards\/\">gift cards<\/a>. These redemption methods are fairly standard for a cash-back business card.<\/p>\n<p>That said, many business owners will find greater value in a card that earns a transferable rewards currency, like <a href=\"https:\/\/thepointsguy.com\/guide\/chase-ultimate-rewards\/\">Chase Ultimate Rewards<\/a> or <a href=\"https:\/\/thepointsguy.com\/guide\/ultimate-guide-amex-membership-rewards\/\">American Express Membership Rewards<\/a>. The points earned in those programs can be <a href=\"https:\/\/thepointsguy.com\/guide\/credit-card-transfer-partners\/\">transferred<\/a> to airline and hotel partners for maximum value.<\/p>\n<p><a id=\"which-cards-compete-with-the-capital-on-tap-business-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Which cards compete with the Capital on Tap Business card?<\/h2>\n<p>There are a number of other no-annual-fee cards geared toward small businesses, so here are some that compete with the <a href=\"https:\/\/thepointsguy.com\/apply\/capital-on-tap-business-credit-card\/?issuer=Capital+On+Tap&amp;name=Capital+on+Tap+Business+Credit+Card&amp;pid=8408&amp;tid=post\">Capital on Tap Business card<\/a>.<\/p>\n<ul>\n<li><strong>If you prefer Chase:<\/strong> The <a href=\"https:\/\/thepointsguy.com\/apply-now\/ink-business-unlimited-credit-card\/?pid=6218&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Chase Ink Business Unlimited\u00ae Card<\/a> is another great no-annual-fee business card. With this card, you&#8217;ll earn an unlimited 1.5% cash back on all eligible purchases, making it a great product for businesses without a targeted spending category or looking to fill the gaps of non-bonus spending. However, it&#8217;s worth noting that the Ink Business Unlimited does impose foreign transaction fees on purchases made outside the U.S. To learn more, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/ink-business-unlimited-credit-card-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Ink Business Unlimited<\/a>.<\/li>\n<li><strong>If you prefer American Express:<\/strong> The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/american-express-blue-business-cash-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">American Express Blue Business Cash\u2122 Card<\/a><\/span> earns 2% back on all purchases up to $50,000 per calendar year and then 1% back thereafter while having no annual fee (see <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-blue-business-cash-card-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\">rates and fees<\/a>). The cash back you earn is automatically credited to your account, so there are no steps you need to take for redemption. To learn more, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/reviews\/card-review-american-express-blue-business-cash-card\/\" rel=\"noopener\" target=\"_blank\">full review of the Blue Business Cash<\/a>.<\/li>\n<li><strong>If you want more cash back:<\/strong> The <span class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b\"><a href=\"https:\/\/thepointsguy.com\/apply-now\/bank-of-america-business-advantage-unlimited-cash-rewards-mastercard-credit-card\/?tid=post\" rel=\"noreferrer noopener\" target=\"_blank\" class=\"jsx-eb69f9b09a3de1d0 jsx-eea0d1f218f5e80b applyLink inherit\">Bank of America\u00ae Business Advantage Unlimited Cash Rewards Mastercard\u00ae<\/a><\/span> is another no-annual-fee card that competes with the Capital on Tap card. It, too, awards 1.5% cash back on all purchases with no limit, but it does charge foreign transaction fees, making the Capital on Tap business card a better option for purchases outside the country. To learn more, check out our <a href=\"https:\/\/thepointsguy.com\/credit-cards\/bank-of-america-business-advantage-unlimited-review\/\" rel=\"noopener\" target=\"_blank\">full review of the Bank of America Business Advantage Unlimited Cash Rewards card<\/a>.<\/li>\n<\/ul>\n<p>For additional options, see our list of <a href=\"https:\/\/thepointsguy.com\/credit-cards\/business\/\" rel=\"noopener\" target=\"_blank\">best business cards<\/a> and <a href=\"https:\/\/thepointsguy.com\/credit-cards\/top-no-fee-business-cards\/\" rel=\"noopener\" target=\"_blank\">best no-annual-fee business cards<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/who-should-get-ink-business-unlimited\/\">Who should (and shouldn&#8217;t) get the Ink Business Unlimited?<\/a><\/strong><\/p>\n<p><a id=\"is-the-capital-on-tap-business-card-worth-it\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Is the Capital on Tap Business card worth it?<\/h2>\n<p>The Capital on Tap Business card is a solid no-annual-fee option if your business is looking for a cash-back card. It offers 1.5% cash back on all purchases with the option for 2% if you enroll in weekly autopayments. It has no foreign transactions and offers generous credit limits of up to $50,000, which can be useful for businesses with high expenses.<\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>Overall, the <a href=\"https:\/\/thepointsguy.com\/apply\/capital-on-tap-business-credit-card\/?issuer=Capital+On+Tap&amp;name=Capital+on+Tap+Business+Credit+Card&amp;pid=8408&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Capital on Tap Business Card<\/a> is a solid business card. It offers a quick and simple application process with no hard pull on your credit score. The card contains few benefits and isn&#8217;t available to all small businesses, but it offers unlimited 1.5% cash back.<\/p>\n<p>Other cards can be more valuable if you are already in a given rewards ecosystem or have a smaller-budget business that wouldn&#8217;t be able to meet the minimum spend required for approval. But for a simple, general business card, it&#8217;s hard to go wrong with Capital on Tap.<\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><strong>Apply here: <a href=\"https:\/\/thepointsguy.com\/apply\/capital-on-tap-business-credit-card\/?issuer=Capital+On+Tap&amp;name=Capital+on+Tap+Business+Credit+Card&amp;pid=8408&amp;tid=post\" rel=\"noopener\" target=\"_blank\">Capital on Tap Business card<\/a><\/strong><\/p>\n<hr class=\"jsx-3272990499\"\/>\n<p><em>Capital on Tap Business credit cards are issued by WebBank.<\/em><br \/><em>For rates and fees of the Amex Blue Business Cash, click <a href=\"https:\/\/thepointsguy.com\/apply\/american-express-blue-business-cash-card-rates-fees\/?tid=post\">here<\/a>.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Capital on Tap Business Credit Card overview The Capital on Tap Business Credit Card is one of the newest no-annual-fee business cards on the block, and it doesn&#8217;t require a hard pull on your credit report. It comes with a solid set of benefits for a no-annual-fee card, including some protections commonly seen on higher-end, 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