Capital on Tap USA Reviews 

169
TrustScore 3.5 out of 5

3.3

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

See what reviewers are saying

Rated 1 out of 5 stars

This card is supposed to be good for small businesses - As a small business owner, I've never had a worse experience than with these people. I tried to buy a $10 Starbucks gift card for a client,... See more

Rated 1 out of 5 stars

This was an excellent card that helped me start my business! Then they sent me a notice stating that due to high usage and high balance (not over-balance), they were adding on a business interest fee,... See more

Rated 5 out of 5 stars

Tegan assisted on getting an transaction disputed. we cancelled services on 12/9 and confirmed it cancelled by vendor on 12/15 not to charge us anymore as of Jan 1st and yet they still did. Cust... See more

Company replied

Rated 5 out of 5 stars

Mark was excellent to deal with and quickly gave me an alternative payment option to fix my issue. Rock solid customer service, even after I had to call my bank and it took forever. He had to hang... See more

3.3

Average

TrustScore 3.5 out of 5

169 reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 50% of negative reviews

Typically replies within 2 weeks

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

3.3

All reviews

(169)

15 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Thanks Nick for solving my issue

Nick is my hero for the day, he was able to solve my 2 week issue of going forth and back with different customer representative and keep telling me same story, Nick was able to solve it within 5min.. thanks Nick you are best.

May 3, 2023
Unprompted review
Rated 5 out of 5 stars

What a great experience!

What a great experience! They were quick throughout the entire process, from application to approval! they even called when they realized that I had not gotten an email, I don't remember the guys name that I dealt with but he was super patient and walked me through a few steps all while we kept getting interupted by my inbound calls.

April 24, 2023
Unprompted review
Rated 1 out of 5 stars

DO BUSINESS BETTER!!!!!!

CaponTap... TY for the few years I did use your card. I didn't use it much due to the 10% of the balance is due monthly. We had 2 business that used your cards. On the same day both cards were flagged and was not able to be used due to no funding. 35K between both and I used maybe 3k of the total credit. I called about my business and was told my account was under review and no one knows the reason. I have to wait until the team is done... 1 week later email- We are closing your account. Unable to verify your business but never called to verify anything with me or let me know what they needed. Sooo had my fiancée call about her business also which I recommended her to COT.. LOL well guess what her account is on hold no funds available same reason no one knows.... Then she gets an email guess what it said.. unable to verify business... FUNNY!!!... We both have legit business legit enough to where COT gave us a card. But lets not lie.. We all know its a financial over view and they hoping to give that money to someone else that would use it more then me.... Account Review!!!! I have AMEX business Gold- CHASE INK business card- Although I used the COT when I was establishing business credit what a bunch of BS to tell me and her. - You cannot verify either business two separate entities HMMMM!!! paying off my balance and moving on... Just warning others.. this could be hectic for a business that might truly need to have this card in their back pocket for help... Get a real grip on business relationship.... 0 stars if I could... just because no respectful company should perform business that way... I will never send anyone to you guys..

March 15, 2023
Unprompted review
Rated 5 out of 5 stars

Thank you, Remmie L. For your awesome customer service :)

The customer service is excellent and wiling to provide all relevant information to help you in this best way they can. It takes a lot to be in the field of customer service and sometimes the small things can brighten your clients day. Take care all and grab a hold of the opportunities that CapitalOnTap offers! 2% back on anything and easy expense management are just some.

February 9, 2022
Unprompted review
Rated 2 out of 5 stars

Not 4 The Business Owner

Although this company is easy to apply for your business credit, it SUCKS when it comes to helping their customers who an issue arises with a dispute. I made a purchase with a company using my credit card, the item was broken when it arrived at my business. The company I purchased from would not take their item back and refund me. So I asked Capital On Tap to help me out. I have been waiting with no assistance from COT. They will send a reply email stating that someone will reply within 5 days or sooner, (that's a lie) they don't. And then I call and they are always so apologetic. This has been going on for 60+ days now. I'm still paying my account for a piece of machinery that I can't use and losing money everyday. If I would have known COT didn't have their customers best interest at hand I NEVER would have applied with them and now sadden that I referred them to several other business owners. The easy application and approval (you don't have to be a personal guarantor)should have been a red flag as to what to expect from them. I'm so disappointed and dissatisfied with Capitol On Tap.

November 30, 2021
Unprompted review
Rated 5 out of 5 stars

Capital On Tap-The Best Business Card Available

I am Happy and Thrilled to have Capital On Tap as a Partner helping me get my business On Track. Because of them I have been able to keep bills paid for the last 3 months . It is looking like I am about to cross the red line and get in the black by January and I look forward to paying back the balance on this card by then. Maybe we can go for an increase after that. Thanks To Capital On Tap. My Favorite Creditor.

November 30, 2021
Unprompted review
Rated 5 out of 5 stars

Even though I've been late twice with…

Even though I've been late twice with payments capital on tap has been more than understanding patient and helpful in aiding me to make them. Their representatives are compassionate and friendly. Thanks capitalontap for your service

November 30, 2021
Unprompted review
Rated 5 out of 5 stars

I LOVE CAPITAL ON TAP ITS VERY EASY TO…

I LOVE CAPITAL ON TAP ITS VERY EASY TO USE THERE CARD AND THE REWARD POINTS I EARN ARE AMAZING AND WHEN IT COMES TIME TO PAY MY BILL I LOVE HOW MY BALANCE GOES FROM 7K TO 0 WITH IN MINS WHEN I SUBMIT PAYMENT. GIVE ME THE SECURITY THAT MY BILL HAS BEEN PAID.

November 29, 2021
Unprompted review
Rated 5 out of 5 stars

Amazing customer service patient with…

Amazing customer service patient with my business and also been a driving force in extending credit to my business so that I can meet the rigors of my daily demands of operations capital on tap is the front runner in business support

November 29, 2021
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look