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