# Capital on Tap

> Business credit card management app for spend tracking and financial control. (iPhone/iPad app by New Wave Capital Ltd.)

- Source: https://appshunter.io/ios/app/capital-on-tap/id1398201114 (this page in markdown: same URL + `.md`)
- Developer: [New Wave Capital Ltd](https://appshunter.io/developer/1398201113)
- Category: Business, Finance
- Price: Free
- Rating: 4.90/5 from 4,921 App Store ratings · 237 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 161 MB
- Languages: American English
- Released: 2018-07-23
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/capital-on-tap/id1398201114/reviews.md

## What is Capital on Tap?

Running a business is hard, we make it easier with the Capital on Tap Business Credit Card app - your ultimate financial companion. 

Unlock a world of possibilities with our app, designed to empower business owners like you. 

Here's why you need to download it today:


- Real-time spend tracking: Keep a close eye on your spend in real-time, making financial management effortless.
- Set spend limits for employees: Take control of your business expenses by setting spend limits for your employees, ensuring responsible spending practices.
- View transactions and statements: Keep track of your transactions and download statements effortlessly.
- Update payment options: Make one-off payments and manage your payment preferences with ease.
- Manage your cards: Order new cards, freeze or cancel existing ones, all at your fingertips.
- Redeem rewards points: Celebrate your business success by redeeming your hard-earned rewards points.
- Add your card to your digital wallet: Stay connected to your finances by adding your card to your digital wallet.

Don’t have a Capital on Tap Business Credit Card, yet? Find out why over 200,000 small business owners globally love it today by heading to www.capitalontap.com/us. 

Cards issued by Capital on Tap in the UK
Cards issued by WebBank in the US

© 2023 New Wave Card LP dba Capital on Tap.

## Key features

- 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

## What do users think of Capital on Tap?

Overall sentiment: positive

**Pros**

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

**Cons**

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

**Commonly reported bugs**

- Login issues and inability to verify identity
- Inconsistent app performance and frequent crashes
- Problems with payment processing and auto-pay

**Most requested features**

- Multi-account access for businesses
- Dark mode option
- Improved transaction history and reporting
- Easier payment customization

## Recent user reviews (10 of 237)

All indexed reviews: https://appshunter.io/ios/app/capital-on-tap/id1398201114/reviews.md

### 5/5 — Perfect

*2026-08-12, version 3.9.28*

Perfect for fast finance at short notice!

### 5/5 — Amazing

*2026-08-12, version 3.9.28*

The point scoring on this account and how easy the app is to use is so great, you can’t loose track and it’s so easy to
Access funds and know what you’ve spent and what is owed. I’d be lost without this service.

### 5/5 — Mr

*2026-08-11, version 3.9.28*

Easily accessible

### 5/5 — Mr r c

*2026-08-08, version 3.9.28*

Amazing

### 5/5 — Great Credit Card

*2026-08-05, version 3.9.28*

Used for my SME for the last 5 years, operating worldwide and it is excellent

### 5/5 — New customer

*2026-08-04, version 3.9.28*

Amazing customer email support even on Sunday night immediate response love how fast it is to get a business credit card

### 5/5 — Very easy to use

*2026-08-04, version 3.9.28*

The app is very easy to use.

### 5/5 — J Wrigglesworth

*2026-08-02, version 3.9.27*

Over this last few months we have dealt with two incredibly difficult clients. Capital One Tap have helped us get through this. A great service that all businesses should have. Thanks

### 5/5 — Easy fast good so far

*2026-07-29, version 3.9.26*

Seems so far easy to use and register to. Got a decent amount to spend if needed so helps with my cash flow. I like that you can give employees a card also and control there limits. So far so good I’m impressed 👍

### 5/5 — Top service

*2026-07-24*

I’ve been using cap on tap a few years now, the level of speed when we require short term lending is phenomenal. We also use the card quite a lot to build up Avios points as we travel a lot for business.

## Frequently asked questions about Capital on Tap

### 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.

## Version history (last 5 releases)

### 3.9.30 — 2026-08-26

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.

### 3.9.29 — 2026-08-17

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.

### 3.9.28 — 2026-08-03

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.

### 3.9.27 — 2026-07-29

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.

### 3.9.26 — 2026-07-14

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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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*