Avios vs Cashback calculator
See which redemption gives more £ for the same pile of reward points. Avios value depends on how you redeem — flights typically give more than gift cards.
Last updated: 21 May 2026By Business Reward Toolkit Editorial TeamReviewed for UK small businesses
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Short answer
With 7,500 reward points: cashback ≈ £75.00, vs Avios ≈ £75.00 (7,500 Avios at 1p each).
Notes
- Cashback rate is fixed by the card issuer. Avios value depends on the redemption — short-haul economy can be ~0.7–1p; long-haul business often 1.5–2p+.
- For Capital on Tap, 1 point = 1 Avios at the reference rate (verify current).
Rewards reality
Rewards are only valuable if they are not outweighed by fees, interest, repayment costs or unnecessary spending. Do not spend more just to earn points or cashback.
Capital on Tap offer
7,500 free reward points with promo code SETTINGUP
Apply for the Capital on Tap business credit card and make your first card transaction within the qualifying period.
Terms, eligibility and fees apply. See full offer details.
BRT
Business Reward Toolkit Editorial Team
Editorial
Our editors research UK business banking, credit cards, expense tools and rewards schemes. We test products, read provider terms in full, and update guides as offers change.
- 10+ years writing about UK small-business finance
- Independently funded by clearly labelled affiliate links