Capital on Tap: SME Visa Card Adds Virgin Points, Keeps No FX Fees

The Capital on Tap Visa credit card is a significant financial product tailored for UK Limited Companies and LLPs with an annual turnover exceeding £24,000, notably excluding sole traders and partnerships. This fintech ‘unicorn' offers a unique proposition as the only small business Visa card allowing indirect earning of Avios or Virgin Points, with the recent addition of Virgin Points as a transfer option alongside Avios.

The free version of the Capital on Tap card is a compelling choice. It incurs no annual fee and provides 0.8 Capital on Tap points for every £1 spent, convertible to 0.8 Avios, 0.8 Virgin Points, or 1p cashback. A standout benefit is its global absence of foreign exchange fees, a feature unmatched by other Avios or Virgin Points-earning cards in the UK. Points transfers to Avios or Virgin Flying Club accounts are instantaneous. Additional benefits include unlimited free supplementary cards, credit limits up to £250,000, 42 days interest-free credit, seamless integration with accounting software like Xero and Sage, and the option to preload funds for large purchases while still earning points.

For businesses with substantial spending, the Capital on Tap Pro Visa card, priced at £299 annually, offers an enhanced earn rate of 1 Avios or Virgin Point per £1, potentially increasing to 1.25 points with pre-loaded funds. Pro cardholders also receive valuable perks such as Radisson Rewards VIP status, a full Priority Pass for airport lounge access, and a digital subscription to The Times. A special sign-up bonus of 10,500 Avios or Virgin Points is available for HfP readers. While the Pro card’s fee requires significant spend to justify, both cards offer a flexible cashback option, though this is taxable as business income unlike points and miles which generally are not. The choice between points and cashback provides a useful fallback against potential travel plan changes or point devaluations.

(Source: https://www.headforpoints.com/2025/12/04/capital-on-tap-adds-virgin-points/)