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Capital on Tap Founder Rewards Business Visa card

Capital on Tap Founder Rewards Business Visa

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
$199
Recommended credit
Excellent / Good / Fair
Card network
Visa
Regular purchase APR
17.74% to 35.99% variable based on the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Capital on Tap Founder Rewards Business Visa is the premium business card offering from Capital on Tap and WebBank. The card features the same credit limits of up to $50,000 as the no annual fee card, an APR as low as 10%, and the benefit of 2% cash back on all purchases – for a $199 annual fee.

Our review of the Capital on Tap Founder Rewards Business Visa

The Capital on Tap Founder Rewards Business Visa is a top choice for small-to-medium-sized businesses looking to earn cash back rewards. With double the rewards of the Regular Rewards Card and a generous signup bonus, this card is a lucrative option for companies that plan to issue multiple cards and spend heavily.

Earn Double the Rewards

The Capital on Tap Founder Rewards Card earns an impressive 2% cash back on every purchase, compared to the 1% back offered by the Regular Rewards Card. With the ability to add up to 20 employee cards at no extra cost, the potential for earning rewards is substantial.

New accounts can also take advantage of a signup bonus that offsets the $199 annual fee for the first year. By spending $15,000 in purchases within the first three months, new cardholders can earn $199 back, making this card a valuable investment for businesses with high expenses.

High Credit Limits

Both the Capital on Tap Founder Rewards Business Visa and the Regular Rewards Visa offer credit limits of up to $50,000 for eligible companies. This easy access to credit and funding can be a game-changer for businesses in need of financial support.

However, it’s important to note that the credit limits start at just $1,000 and the card is only available to US-chartered businesses with a trading history of at least three months and an annual turnover of $30,000 or more.

Exceptional APR for Some

The Capital on Tap Founder Rewards Card features an excellent APR for those with high credit scores, with rates below 10% – almost half of the national average for small business credit cards. This makes it a great option for companies that pay their balance in full each month.

On the other hand, the APR for purchases can be as high as 35%, which may not be ideal for businesses looking to carry a balance. However, for those with excellent credit, this card offers exceptional value in terms of rewards and benefits.

Is the Capital on Tap Founder Rewards Business Visa Right for You?

If your company plans to issue multiple cards and spend heavily, the Capital on Tap Founder Rewards Business Visa is a smart choice. With a generous rewards program, a valuable signup bonus, and no foreign transaction fees or annual fee, this card is a strong contender for businesses in need of a reliable credit card option.

For companies with excellent credit, the low APR and unlimited rewards potential make this card a top pick. However, if you’re looking for a card with better value, the Capital One® Spark® Cash might be a better fit.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Unlimited 2% cash back on every purchase
  • Up to 20 additional employee cards free of charge
  • No foreign transaction fees
  • Interest rates as low as 9.99%

Who this card may suit

  • You have a U.S. registered business with at least three months of trading history
  • You have a good to excellent credit score
  • You want additional employee cards to maximize rewards earning
  • You prefer earning a higher level of cash back rewards
  • You spend enough to justify the $199 annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual Fee$199
Regular Purchase APR17.74% to 35.99% variable based on the Prime Rate
Cash Advance APR35.99%
Penalty APR34.99% for 12 months
Late Payment Penalty Fee$29

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.

Apply Now for Capital on Tap Founder Rewards Business Visa (opens in a new tab)View issuer terms for Capital on Tap Founder Rewards Business Visa (opens in a new tab)

Capital on Tap Founder Rewards Business Visa

Apply Now for Capital on Tap Founder Rewards Business Visa (opens in a new tab)

You will leave this site for the issuer’s page. Confirm current terms there.

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Annual fee
$95
Recommended credit
Excellent / Good
Purchase APR
20.74% to 25.74% Variable
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