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