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

Tide vs Capital on Tap

They aren't really competitors — Tide is a business account for getting paid and managing day-to-day money, Capital on Tap is a credit card for short-term spend and rewards. Here's how to think about both.

First published: 21 May 2026Last materially updated: 28 August 2026Product facts checked: 28 August 2026Next review due: 28 September 2026By Business Reward Toolkit Editorial TeamReviewed for UK small businesses
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Short answer
Use Tide as your business account to receive customer payments, send invoices and separate business money from personal. Use Capital on Tap as a credit card on top of your account to manage cashflow, control employee spend and earn 1 point per £1 spent. Many UK businesses use both side-by-side.

At a glance

TideCapital on Tap
Product typeBusiness accountBusiness credit card
Main useGet paid, send invoices, hold cashSpend on credit, earn rewards
RewardsNone on the card (cash bonuses for new customers)1 point per £1 on eligible spend
Sign-upUp to £200 with REFER2007,500 points with SETTINGUP
Credit checkNot for the basic account (check current)Yes, subject to status
Most growing UK businesses end up using both — a business account for income and reconciliation, plus a credit card for short-term flexibility and rewards.
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.

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.

FAQs

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