Dojo & Capital on Tap launch UK business rewards card

Dojo has partnered with Capital on Tap to offer a co-branded business credit card to UK businesses, adding card-based spending and funding options to its existing payments services.

The partnership gives eligible UK limited companies and limited liability partnerships access to a Business Rewards Card through Dojo. Businesses can apply for credit limits of up to £250,000, subject to approval based on their business profile.

Once approved, customers get immediate access to a virtual card, allowing them to start spending before the physical card arrives. The card offers 1% cashback on spending, which can be used against account statements, converted into travel loyalty points, or redeemed for gift cards.

Customers who choose the Pro upgrade, priced at £299 a year, can receive unlimited 1.25% cashback when spending preloaded funds. The card also includes spend controls and integrations with accounting software used by small and medium-sized businesses.

The standard card has no annual fee, foreign exchange fees, or ATM withdrawal fees. The offer is open to new and existing Dojo customers who meet the eligibility criteria.

Applicants must be actively trading, registered with Companies House, and have no unsatisfied county court judgments in the past 12 months. Applications are submitted through a Dojo Payment Consultant.

SME focus

The move reflects continued competition among payments groups, card issuers, and alternative lenders for a larger share of the UK small business market. Cash flow management and day-to-day expense control remain persistent challenges for smaller companies, particularly those balancing working capital needs with rising operating costs.

Dojo, which serves more than 140,000 businesses, has built its presence around in-person and digital payments. This agreement expands that offer into business credit and rewards, an area where merchants often rely on separate providers for payment acceptance and spending management.

Capital on Tap specialises in business credit cards and small business funding. More than 200,000 small businesses across the UK and US have spent over £10 billion on its business credit cards since its founding.

For Dojo, the deal provides a route into a financial product that extends beyond payment acceptance at the till or online checkout. For Capital on Tap, it offers access to Dojo's merchant customer base, many of whom may already use its payment processing services.

Rewards and funding

The card is aimed at businesses looking to combine access to credit with everyday spending tools. In practice, that means using one account for purchases, expense oversight, and reward collection, while also drawing on credit to manage short-term funding needs.

Business rewards products have become more common as providers compete to attract small companies seeking benefits long marketed to consumers. Cashback remains one of the clearest offers in that market because it provides a direct financial return that can be put back into operating budgets.

Dojo said the new arrangement is intended to make access to those tools simpler for eligible businesses. One feature likely to appeal to some firms is immediate access to a virtual card after approval, reducing the wait before spending can begin.

Connor Piercey, General Manager of Cards at Dojo, outlined the rationale for the launch.

"Small businesses are increasingly looking for financial tools that are simple to access, transparent and aligned with how they operate day to day. This partnership with Capital on Tap allows us to broaden Dojo's payments ecosystem with card-based solutions that support more effective spending and cashflow management, while maintaining a clear focus on ease of use and value for businesses," said Piercey.

Capital on Tap said the partnership is designed to give SMEs another route to business credit and spending oversight, positioning the card as a quick way for firms to get set up and start earning cashback.

"Together with Dojo, we're expanding access to flexible card options that help UK SMEs manage spend and support healthier cash flow. It's a straightforward route to getting set up quickly, earning cashback, and keeping tighter control of business expenses," said Damian Brychcy, CEO at Capital on Tap.