Business credit card repayment calculator
Carrying a balance is the fastest way to wipe out cashback or Avios. See what it would actually cost you.
Last updated: 21 May 2026By Business Reward Toolkit Editorial TeamReviewed for UK small businesses
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.
Short answer
It would take roughly 12 months to clear £5,000 at 25% APR with £500/month payments — and you'd pay about £666 in interest.
Borrow responsibly
Capital on Tap is a business credit card. Credit is subject to status and eligibility. Interest and charges may apply if you do not repay in full or use the card in certain ways. Do not borrow more than your business can afford to repay.
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