Capital on Tap Rewards Calculator
Estimate reward points from eligible spend, then compare alternative cash and Avios redemptions. Credit is subject to status and eligibility.
Capital on Tap awards points for eligible spend. Each point has a cash redemption value of 1p, or it can be converted to Avios at the selected plan’s rate. These are alternative redemptions of the same points: do not add the cash and Avios figures together. The model excludes introductory offers, interest, non-eligible transactions and any changes made by the provider after the checked date.
Cash redemption or Avios conversion?
A cash redemption has a clear 1p-per-point value. Avios conversion can be useful for a business that would otherwise buy eligible travel, but its value varies with route, cabin, timing, availability and the taxes or fees payable. Treat the displayed Avios figure as a point total, not a cash-equivalent value. You choose how to redeem the points rather than earning the displayed cash and Avios alternatives together.
Interest and fees can easily outweigh rewards if a balance is carried. Treat rewards as a benefit on planned eligible business spending that can be repaid in full, not as a reason to spend more or borrow for longer. Check the current provider terms before applying or redeeming points.
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Information on this page is general guidance for UK small businesses and is not financial, tax or legal advice. Tax rules, allowances and product terms change. Always check current information with HMRC, Companies House or a qualified professional before making decisions.