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 |
Every rate, fee and bonus is read from the issuer's own published pages. Points are turned into pounds using sourced valuations, shown on the methodology page. Interest assumes about one month's spend carried.