Comparison
Capital on Tap vs Brex
A side-by-side look at Capital on Tap and Brex — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Capital on Tap
The small business credit card with rewards.
Capital on Tap is a UK/US small business credit card offering up to £250k credit lines, 1% cashback and unlimited free cards.
Brex
The corporate card built for startups and scale-ups.
Brex pairs a charge card with bill pay, travel and global expense tools — designed for venture-backed companies that need fast underwriting based on cash balance, not credit history.
Side-by-side
| Spec | Capital on Tap | Brex |
|---|---|---|
| Tagline | The small business credit card with rewards. | The corporate card built for startups and scale-ups. |
| Headquarters | London, UK | San Francisco, USA |
| Founded | 2012 | 2017 |
| Regions | UK, US | US |
| Card type | Visa credit | Charge card |
| Pricing | Free Business card; Pro £99/yr; Elite custom. | Free base plan; Brex Premium $12/user/mo; Enterprise custom. |
| Rewards | 1% cashback or Avios points. | Up to 7x points on rideshare, 4x on travel, 3x on dining. |
| Best for | Small businesses, Sole traders | VC-backed startups, Tech companies, Scale-ups |
| Integrations | Xero, QuickBooks, FreeAgent, Sage | NetSuite, QuickBooks, Xero, Sage Intacct |
Capital on Tap: pros & cons
- Real credit line
- Rewards options
- No spend management module
Brex: pros & cons
- Strong limits for startups with runway
- Excellent NetSuite integration
- Great UX
- US-only issuance
- Pulled SMB segment in 2022
- Premium tier is paid