A separate card issuer
The card is provided by New Wave Capital Limited, trading as Capital on Tap. DOJO is the partner route; neither DOJO nor Reeve Consult issues the credit.
AUTHORISED DOJO PARTNER
Capital on Tap Business Rewards Card
Earn rewards on spending your business already makes.
Stock, travel and supplier purchases are already part of running your business. The Capital on Tap Business Rewards Card offers eligible businesses 1% cashback on qualifying card spending, with credit provided and assessed by Capital on Tap.
Free consultation · No obligation
Capital on TapCard provider
1% cashbackEligible spending
Credit assessmentApplication required
partner business credit card
Earn rewards on spending your business already makes.
Earn rewards on spending your business already makes.
IN BRIEF
What is Capital on Tap Business Rewards Card?
The Capital on Tap Business Rewards Card lets eligible businesses earn 1% cashback on qualifying card spending. If you already pay for stock, travel or other business purchases by card, that makes the rewards worth comparing. Capital on Tap provides the credit and sets the terms; weigh the cashback against any interest and charges for the way you expect to repay.
BEST SUITED TO
A limited company or LLP that wants to assess a business card and its rewards against the full credit terms.
THE IMPORTANT DETAILS
Issuer identity, eligibility, personal/business credit searches, APR, fees, repayment obligations and reward exclusions.
WHAT IT DOES
Compare the rewards with the way you repay.
The useful starting point is your existing business spending and whether you expect to repay the balance in full.
Rewards on eligible spending
Earn 1% cashback on eligible card spending under the rewards terms. Compare that value with the interest and charges you would pay, especially if you do not repay the balance in full.
An assessed credit limit
Credit limits of up to £250,000 are available, subject to the issuer assessment. Plan around your actual offer rather than the maximum: the limit depends on your business and credit information.
Business eligibility
The product is intended for eligible limited companies and LLPs. Trading and turnover criteria apply, along with the issuer checks.
Personal and business checks
The application includes personal and business credit searches. Read the issuer disclosure so you understand the type of search and effect on each credit file.
The full cost of credit
Look beyond annual or foreign-exchange fees. Interest, repayment dates, late charges and reward conditions determine what the card costs for the way you use it.
WHERE IT MAY HELP
Where it makes a difference
Consider the purchases you already make and how you expect to repay the card.
Regular business purchases
If you repay in full, rewards may be relevant to an existing spending pattern. If you carry a balance, compare the interest and charges first.
Staff spending
Company cards can support team purchases. Establish cardholder permissions, spending controls and the business responsibility for repayment.
A funding decision
A revolving credit card works differently from a cash advance repaid from daily sales. We help you understand the distinction before you compare individual offers.
IN PRACTICE
What would the card cost for your spending?
Cashback has a different value when you repay in full from when you carry a balance. Look at the purchases you already expect to make, then compare the rewards with the interest, fees and payment dates in your card agreement.
Compare rewards against spending you would make anyway. Buying more to earn cashback can leave the business with a bigger bill, while carrying a balance can introduce borrowing costs that outweigh the reward. Work through the purchases, repayment dates and charges you expect in an ordinary month. That gives you a useful basis for comparing the card with the way you pay today.
It also helps to separate a purchasing need from a cash-funding need. A business credit card is a way to pay for purchases under the card agreement; it should not be assumed to work like a funding facility paid into your bank account. Review the issuer's cash and transfer terms if those functions matter, alongside the credit checks, assessed limit and responsibility for repayment.
YOUR OPTIONS
How do the options compare?
Compare the role of each option with the job you need it to do.
| Option | What it does | Question to ask |
|---|---|---|
| Capital on Tap Business Rewards CardTHIS PRODUCT | A business credit card from Capital on Tap, with rewards on qualifying spending and issuer-set credit terms. | Issuer identity, eligibility, personal/business credit searches, APR, fees, repayment obligations and reward exclusions. |
| DOJO Business Funding ↗ | A YouLend partner advance repaid through a share of card takings. | Do I need card purchasing or a defined advance? |
| DOJO Flex Funds ↗ | A Liberis partner facility with replenishing funding access. | How do drawdown fees and sales deductions compare with card repayments? |
Related pages: DOJO Business Funding · DOJO Flex Funds · Capital on Tap
UNDERSTAND THE COST
What should the quote include?
Compare rewards, borrowing costs and repayment dates.
Review the issuer agreement for interest and APR, repayment dates, minimum payments, late charges and any cash or transfer costs. Then assess the rewards for spending you already expect to make. We explain our role in the product route; Capital on Tap decides eligibility, the credit limit and the credit terms.
Read our business funding guide ↗What your offer should explain.
- 01Interest and fees
The APR, annual fee and any cash, transfer or late-payment charges.
- 02Repaying the balance
Minimum payments, due dates and the cost if you carry borrowing over.
- 03Rewards
Eligible spending, exclusions and how cashback or points can be redeemed.
- 04Eligibility and credit checks
The issuer criteria, personal and business searches and your assessed credit limit.
Capital on Tap makes the credit decision. Approval and any credit limit depend on its assessment.
BEFORE YOU COMMIT
Understand the card before applying.
Capital on Tap assesses eligibility, issues the card and sets your credit limit and terms.
Check eligibility
Establish whether your company type, trading history and turnover meet current issuer criteria.
Understand the checks
Read the personal and business credit-search disclosures before applying.
Compare repayment costs
Work through interest, payment dates and charges for how you expect to use the card.
Review the issuer offer
Capital on Tap makes the decision and sets any limit. Accept only after reviewing the full agreement.
BEFORE YOU DECIDE
Capital on Tap Business Rewards Card questions.
Answers about features, costs and getting started.
Ask about the business rewards card ↗Who issues the Capital on Tap card?
New Wave Capital Limited, trading as Capital on Tap, provides the card and makes the credit decision.
Is it a DOJO card?
It is a Capital on Tap partner product available through DOJO. Your credit agreement is with the issuer, rather than Reeve Consult.
How do the rewards work?
Eligible card spending earns 1% cashback under the rewards terms. Review redemption options and exclusions, then compare the value with any interest and charges you expect to pay.
How much credit can I get?
Limits can be up to £250,000, but the issuer sets your individual limit after assessment. The maximum is not a guaranteed offer.
Who can apply?
Eligible limited companies and LLPs can apply, subject to turnover, trading-history and credit criteria. Check the current issuer requirements before proceeding.
Will the application affect my credit file?
The application route includes a personal soft search and a business hard search. The business search is visible to other funders; read the current issuer disclosure before applying.
Are there annual or FX fees?
Check the fee schedule for the specific card offered. The absence of an annual or foreign-exchange fee does not remove interest, repayment obligations or other charges under the credit agreement.
Does Reeve Consult arrange this card?
We explain the DOJO partner product and clarify our role in any introduction before you proceed. Capital on Tap carries out the checks, issues the card and determines the credit offer.
PRODUCT GUIDANCE
Could your usual business spending earn rewards?
Tell us how you expect to use and repay the card. We can explain the DOJO partner route; Capital on Tap makes the credit decision and issues the card.
No obligation · Terms depend on the provider’s written offer