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Capital on Tap

Capital on Tap

by New Wave Capital Ltd

5.1K ratings
248 reviews
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • July 23, 2018
  • September 16, 2026

Features

Developer

New Wave Capital Ltd
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About

Manage your business finances effortlessly with this app. Track spending in real-time, set employee limits, view transactions, and manage your credit card. Redeem rewards and add your card to your digital wallet for ultimate convenience.

✓Real-time spend tracking
✓Set employee spend limits
✓View transactions and statements
✓Update payment options
✓Manage cards (order, freeze, cancel)
✓Redeem rewards points
✓Add card to digital wallet
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What users say

Summarized from real user reviews of Capital on Tap. Based on 5.1K reviews and a 4.9/5 average, it highlights the 6 positives and 5 negatives reviewers mention most about this Business app.

Positive things

  • 🚀Reliable and efficient
  • 👍User-friendly app
  • 💰Generous credit limits
  • 💳Excellent rewards program
  • 📈Helps grow business
  • 🤝Great customer service

Negative things

  • 🔍Strict identity verification process
  • 💰High interest rates
  • 🔒Security concerns with ID uploads
  • 🤔Confusing payment policies
  • 🐛Buggy app with crashes
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+1

What's New in Capital on Tap

3.9.33

September 16, 2026

Welcome to Capital on Tap. We’ve been busy fixing minor issues & improving the overall experience of the app. If you have any questions, please reach out, we’d love to hear from you.

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User reviews

Most RecentHighest RatedLowest Rated

Payment

My payment is more that what y’all said it would be it said it was going to be a min of 100.00 but instead I’m paying over that
$dontdoit$dontdoit

Fantastic

So easy to use .. great
eddygaeddyga

5* facility

I’ve had this card for about 5 years and it’s been crucial to the growth and working capital support plan of our business
CooksCCCooksCC

Mr

Useful, helpful and great online bank 👍
gmk29gmk29

Good card

Update
All together I’m happy with card.
The app is garbage. I’m beyond frustrated with this company’s app. It kicked Me off weekly pay two times. It will not allow me to enter a debit card so I can pay my bill. These people need a better programmer to fix their app. They need to remember a bad name spreads like wildfire I lowered their stars to two stars because of this and if they fix it, I will give them a five star
Please fix.
****update please read!
I’ve this card for awhile and I’m definitely paying it off and never using it again.
Why?
1. They charged me interest 2 times for 1 late payment.
2. You can make debit payments to your account if you live in the US being they work out of the UK.
3. The customer service if iffy and as a business owner who believes in customer service and quality above everything. They fail at it. This one of those big corporations who can care less about its customers.
Use this card at your peril!
Show more
Deder80Deder80
See 243 more reviews

User experience

🐞

Reported Bugs

3 issues

Login issues and inability to verify identity

Bug

Inconsistent app performance and frequent crashes

Bug

Problems with payment processing and auto-pay

Bug
✨

Requested Features

4 requests

Multi-account access for businesses

Feature

Dark mode option

Feature

Improved transaction history and reporting

Feature

Easier payment customization

Feature

FAQ

What does the Capital on Tap app do?

The Capital on Tap app is a financial companion for business owners. It allows you to track your business credit card spending in real-time, set limits for employees, view transactions and statements, manage payment options, and control your cards by ordering new ones or freezing/canceling existing ones.

What are the key features of the app?

Key features include real-time spend tracking, the ability to set spend limits for employees, viewing and downloading transactions and statements, updating payment options, managing your physical cards, redeeming rewards points, and adding your card to your digital wallet.

Is the Capital on Tap app free to use?

The app itself is free to download and use. The Capital on Tap Business Credit Card is a financial product that businesses can apply for. The app provides management tools for this card.

What kind of businesses is this app for?

This app is designed for small business owners globally. It helps them manage their business expenses and financial activities more efficiently through their business credit card.

How can I manage my employees' spending with this app?

You can easily set specific spend limits for your employees directly within the app. This feature helps ensure responsible spending practices and gives you greater control over your overall business expenses.