The new Avios SME payment card from Capital On Tap works at HMRC

EDIT:  This article is now out of date.  Capital On Tap has relaunched with just one Avios card, Business Rewards, which is better than both of the cards described below.  Click here to read our review of Capital On Tap Business Rewards.  We still have a higher sign-up bonus for our readers.

Capital On Tap’s Capital Club card is a new payment card for small businesses which offers Avios on your spending.

We covered it in detail here but in summary:

you get 10,000 Capital On Tap points (converts to 5,000 Avios) for signing up and spending £5,000 within 3 months – and HFP readers get a special higher bonus

you get 1 Capital On Tap point for every £1 you spend (converts to 0.5 Avios)

no foreign exchange fees when spending overseas

no ATM fees if withdrawing cash on the card

up to 56 days interest free credit on purchases (minimum monthly repayment is the greater of 10% of balance or £250)

up to 15 free supplementary cards for your staff

The card has an annual fee of £99.  This is obviously tax deductible as a business expense.  The maximum credit limit on offer is £50,000.

I have now heard from two HfP readers who have successfully used the card to pay HMRC.  It appears to go through as a personal debit card and is therefore accepted without any fees.  This would allow our self-employed readers to pay their VAT, PAYE, corporation tax and personal tax via Capital On Tap whilst earning 0.5 Avios per £1 spent.

You can learn more about the card in our main article here, which I have updated to include this HMRC information.  The application page is here.

If you use promo code headforpoints when signing up, you will receive an additional 500 Capital On Tap points.  This is worth an additional 250 Avios.

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Want to earn more points from credit cards? – April 2025 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review