Comparison
Capital on Tap vs Spendesk
A side-by-side look at Capital on Tap and Spendesk — 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.
Spendesk
The 7-in-1 spend management platform for finance teams.
Spendesk unifies corporate cards, invoice payments, expense claims, approval workflows, budgets and pre-accounting — purpose-built for European mid-market finance teams.
Side-by-side
| Spec | Capital on Tap | Spendesk |
|---|---|---|
| Tagline | The small business credit card with rewards. | The 7-in-1 spend management platform for finance teams. |
| Headquarters | London, UK | Paris, France |
| Founded | 2012 | 2016 |
| Regions | UK, US | EU, UK |
| Card type | Visa credit | Prepaid + credit (FR market) |
| Pricing | Free Business card; Pro £99/yr; Elite custom. | Custom pricing based on users and modules. |
| Rewards | 1% cashback or Avios points. | — |
| Best for | Small businesses, Sole traders | Mid-market, Multi-entity European groups, Finance teams that need approval workflows |
| Integrations | Xero, QuickBooks, FreeAgent, Sage | Datev, Netsuite, Xero, QuickBooks, Sage, Cegid |
Capital on Tap: pros & cons
- Real credit line
- Rewards options
- No spend management module
Spendesk: pros & cons
- Workflow depth
- European compliance built-in
- Banking license (Spendesk Financial Services)
- Opaque pricing
- Heavier than Pleo for small teams