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Capital on Tap — SETTINGUP for 7,500 bonus pointsTide — REFER200 for up to £200*
Business Reward Toolkit
Business Reward Toolkit for UK companies

Spend smarter. Track every expense.
Earn rewards responsibly.

Business Reward Toolkit is an independent UK resource for small businesses that need clear guidance on business expenses, rewards cards, cashback, Avios, employee spend, templates and calculators. It helps limited companies, contractors, agencies, online sellers and growing teams compare options responsibly, keep better records and control costs without treating rewards as financial advice.

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Updated for 2026
Editor-reviewed
Affiliate-supported, never sponsored content
UK small business owner reviewing receipts and a business credit card at a desk

Current partner offers

Capital on Tap offer

7,500 bonus reward points with promo code SETTINGUP

Make a qualifying transaction within 30 days of activating the card. The published Refer a Friend terms say the referred customer receives the bonus within one month of the first transaction.

Get the Capital on Tap offer

Terms, eligibility and fees apply. See full offer details.

Tide offer

Tide referral code REFER200: Up to £200

£75 after £100 of qualifying Tide card spend within 30 days. £125 after depositing at least £5,000 into Tide Instant Saver within seven days of opening and keeping it there for one month.

Get the Tide offer

Terms, eligibility and fees apply. See full offer details.

Start here

What do you want to improve today?

Choose the quickest useful route for your immediate business-spending question.

Compare rewards optionsCashback, Avios and card-reward basics.Control business expensesPolicies, receipts, approvals and workflows.Use a free toolCalculators, templates and checklists.
Explore

Hubs for every part of business spending

Business Rewards
Cashback, Avios, points and loyalty for UK businesses.
Business Credit Cards
How they work, who they suit, and how to use them safely.
Expense Management
Policies, receipts, approvals, software and workflows.
Travel & FX
Cut foreign exchange, hotel and travel costs.
Business Spending
Suppliers, subscriptions, ad spend, supplier payments.
Tools & Calculators
Free calculators, generators and downloadable templates.

Most-read guides

Capital on Tap review
Card features, rewards, fees and who it suits.
Tide vs Capital on Tap
Account vs credit card — what does what.
Cashback credit cards explained
How earnings, caps and fees actually work.
Earning Avios from business spend
Practical ways UK businesses collect Avios.
Employee expense cards
Virtual cards, limits, approvals and risk controls.
Free expense policy template
Editable policy you can adapt in minutes.
UK tradesperson loading tools into a work van on a London street
By business type

Built for the way you actually trade

Spending patterns and reward opportunities differ by industry. Jump to a guide tailored to your business.

Agencies
Software, ad spend and contractor payments.
Contractors
Mileage, tools and per-project costs.
Online sellers
Stock, packaging, ads and marketplace fees.
Tradespeople
Fuel, materials and van expenses.
Property companies
Maintenance, agents and compliance costs.
Creators
Kit, software subscriptions and travel.
Free downloads

Templates and spreadsheets to use today

No signup required. Edit in Google Sheets, Excel or Word.

Laptop with a spreadsheet open beside a notebook, receipts and calculator
Expense policy template
Editable policy your team can actually follow.
Receipt tracker spreadsheet
Receipts, categories, VAT and approvals.
Subscription audit
Cut SaaS waste in an afternoon.
Ad spend tracker
Track ROI by channel and campaign.
Purchase checklist
Approvals, alternatives and receipt rules.
Cashflow buffer guide
How much cash you should hold.

Already trading? Get your spending under control.

Separate income and spending, set card limits, automate receipts and earn rewards on spend you'd make anyway — without spending more to chase points.

Capital on Tap — use code SETTINGUP Tide — use code REFER200
This page contains affiliate links. If you sign up via our links we may earn a commission at no extra cost to you. This never affects our editorial recommendations. This article is for general information only and is not financial, tax or legal advice. Always check current provider terms and seek professional advice where appropriate.