Capital on Tap Promo Code SETTINGUP: 7,500 Reward Points Explained

Step 1: Start your application. Use the link on this page to begin your application for a Capital on Tap business credit card. During the application process, check that the promo code SETTINGUP is shown in the designated promo-code field before you submit the application. If it is not shown, stop and contact Capital on Tap through the application support route before submitting rather than assuming it will be applied later.

Step 2: Pass credit and eligibility checks. Capital on Tap assesses the stated eligibility criteria and credit status. There is no minimum trading history and no minimum turnover: eligible businesses of any age can apply. At application, there is no visible hard search on the business credit file. Capital on Tap runs a standard soft search on the applicant's personal file; it does not affect the personal credit score and is not visible to other lenders. Capital on Tap currently requires a personal guarantee from a director or majority shareholder. This means that person can become personally liable for the business's outstanding debt if the business cannot repay it. Read the current product terms before applying.

Step 3: Make your first transaction. Once approved, you must make at least one qualifying transaction using your new physical or virtual Capital on Tap card within 30 days of the approval date.

Step 4: Receive your 7,500 points. The 7,500 reward points are credited to your Capital on Tap rewards balance shortly after your first qualifying transaction clears.

The code does not make an application eligible. Before starting, check the current product criteria as well as the campaign route. The business must be an active UK-registered private limited company (Ltd), limited liability partnership (LLP) or public limited company (PLC), listed as active at Companies House. The applicant must reside in the UK and be an active director or a majority shareholder who owns at least 25% of the business. Sole traders are not eligible under the stated product criteria. There is no minimum trading history and no minimum turnover: eligible businesses of any age can apply.

• Confirm that the legal entity is active and listed as active at Companies House.
• Confirm that you live in the UK and meet the stated director or shareholding requirement.
• Check that neither you nor the business has an unsatisfied CCJ in the last 12 months.
• Gather the legal business name, registered address, Companies House number and any other application details requested; do not assume a new or lower-turnover business is excluded, because there is no stated minimum trading history or turnover.
• Use the code during the application and retain evidence that it appeared before submission.
• Do not treat this checklist as an approval prediction: Capital on Tap decides status, credit and eligibility after its own checks.

The campaign is for approved new customers. If you have an existing account, have previously received a sign-up reward or are unsure whether a prior application affects eligibility, confirm the current position with Capital on Tap before applying rather than relying on this summary.

At application, there is no visible hard search on the business credit file. Capital on Tap runs a standard soft search on the applicant's personal file; it does not affect the personal credit score and is not visible to other lenders.

A hard search of the business credit file happens later, only when the credit agreement is signed, and it can then be visible to other lenders.

For an otherwise eligible business, the absence of a business-file hard search at application removes a potential reason not to apply. That does not remove the need to consider the later hard search before signing the credit agreement.

People use several names for the same offer. On this page, SETTINGUP is the Capital on Tap promo code. You may also see it described as a referral code, voucher code or bonus code, but it does not reduce the card’s APR, plan fee or interest charges. It gives approved new customers reward points after the qualifying first transaction.

Before submitting, check that SETTINGUP is displayed in the application’s promo-code field. Keep a dated screenshot or note of that screen and your application reference. Those records are useful if the reward does not appear after Capital on Tap has verified the qualifying transaction.

Capital on Tap normally represents 7,500 reward points as worth approximately £75 before any plan, transaction or borrowing costs. Redemption options and values can change, so use the current rewards terms in your account rather than assuming that every redemption route has the same value.

Free and Pro are product plans. SETTINGUP is a separate partner campaign. This page does not state that their bonuses, points or benefits combine, because that needs to be confirmed by current provider terms.

The 7,500 points have a gross redemption value normally represented as approximately £75 before any applicable plan, transaction or borrowing costs. Paying in full can avoid purchase interest only where the current terms and statement timing allow. Up to 42 days' interest-free credit on card purchases, subject to the statement cycle and paying the balance in full by the due date. A reward is therefore not a reason to carry a balance, delay an essential payment or increase spend that the business would not otherwise make.

Illustrative interest check, not a quote: if a £1,200 balance remained outstanding for six months, applying the currently advertised from rate of 13.86% as simple annual interest gives £83.16 before compounding, statement timing, repayments or any other applicable costs. That exceeds the approximately £75 gross reward value. Your actual rate, balance, statement cycle and repayment behaviour can differ, so use the Cashback-versus-Interest Calculator for a planning comparison and check the provider’s current terms.

A credit card may be relevant for controlled business spending where there is a defined repayment source and the full balance can be cleared on time. It is not a solution for unpaid tax, payroll, supplier arrears, a persistent loss or a cash shortfall that has no realistic repayment plan. Approval is never guaranteed, and the personal guarantee can create personal liability if the business cannot repay.

Keep a dated record of the application, the screen showing SETTINGUP, the approval notice, the first qualifying transaction and its cleared date. If possible, retain the transaction reference and a copy of the statement or portal view. This is not a way to guarantee a reward; it gives you a clear evidence trail if the campaign needs to be checked.

If points are missing or delayed, first confirm that the transaction has cleared and that it was made within 30 days of approval. Then contact Capital on Tap through its current support channel, quoting the promo code, application reference, approval date and transaction evidence. Do not make additional purchases simply to chase a reward. If the provider says the transaction does not qualify, ask it to identify the relevant campaign condition and use the current campaign terms as the reference point.

The approved SETTINGUP campaign page is the campaign source. Product eligibility, pricing and plan benefits should be checked against Capital on Tap’s current UK business credit-card page and, where relevant, its Pro plan page.

Founder Finances last checked the campaign and product information on 18 September 2026. Provider terms, rewards, rates, eligibility and promotions can change. The dated source record and central offer data are updated together; where they differ from a provider’s current terms, the provider terms control.

We verify the terms of the Capital on Tap promo code SETTINGUP directly with Capital on Tap's partnership team. We regularly check the qualification criteria, points value, and product risks to ensure this page remains accurate.

Founder Finances is a Capital on Tap partner and introducer. If you apply using our code, we may receive a commission at no extra cost to you. We highlight the risks of credit products clearly so you can make an informed decision.