Capital on Tap Free Rewards vs Capital on Tap Pro
Same four spending profiles, both cards, value in pounds. For your own numbers, run the full calculator.
| Profile | Capital on Tap Free Rewards | Capital on Tap Pro | Verdict |
|---|---|---|---|
| £2k/month, pays in full | £240 | £41 | Capital on Tap Free Rewards by £199/yr |
| £5k/month, pays in full | £600 | £401 | Capital on Tap Free Rewards by £199/yr |
| £10k/month, 20% foreign spend | £1,200 | £1,001 | Capital on Tap Free Rewards by £199/yr |
| £5k/month, carries a balance | £93 | £292 | Capital on Tap Free Rewards by £199/yr |
All rates, bonuses, point valuations, APRs, FX fees, perk values and eligibility thresholds are placeholders to be replaced with issuer-approved figures. Interest assumes ~one month's spend carried. See the methodology page for every assumption.