Comparison
Capital on Tap vs Pleo
A side-by-side look at Capital on Tap and Pleo — 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.
Pleo
Smart company cards for European teams.
Pleo is Europe's leading spend management platform, pairing physical and virtual cards with automated expense reports, invoice management and accounting integrations across 30+ EU/UK markets.
Side-by-side
| Spec | Capital on Tap | Pleo |
|---|---|---|
| Tagline | The small business credit card with rewards. | Smart company cards for European teams. |
| Headquarters | London, UK | Copenhagen, Denmark |
| Founded | 2012 | 2015 |
| Regions | UK, US | EU, UK |
| Card type | Visa credit | Prepaid + credit (market dependent) |
| Pricing | Free Business card; Pro £99/yr; Elite custom. | Starter free up to 3 users; Essential €45/mo; Advanced €89/mo; Beyond custom. |
| Rewards | 1% cashback or Avios points. | 1% cashback on Advanced+ in select markets. |
| Best for | Small businesses, Sole traders | European SMBs, Distributed teams, Companies using Xero/QuickBooks EU |
| Integrations | Xero, QuickBooks, FreeAgent, Sage | Xero, QuickBooks, Sage, Datev, Economic, Visma |
Capital on Tap: pros & cons
- Real credit line
- Rewards options
- No spend management module
Pleo: pros & cons
- Strong European footprint
- Best-in-class UX
- Local accounting integrations
- Per-user pricing adds up
- Limited US presence