Capital on Tap offers two rewards schemes for its Business Credit Card The standard option comes without any monthly or yearly fees and allows you to earn 1% cashback on your business spending. Or you can opt to upgrade to the Business Rewards scheme, which costs £99 per year and lets you choose between earning cashback or Avios points. Plus, if you’re a new Capital on Tap customer, you could be eligible for 10,000 bonus points when you spend £5,000 in your first 3 months.