Capital on Tap USA Reviews 168

Fahmeda is Heaven Sent - she just save our business trip in less than five minutes - I’m so happy and I thank you so much Fahmeda

I am a satisfied client and would recommend them to any small business that is trying to build credit and get by.

Excellent service, Fahmeda was patient and very knowledgeable. She created an amazing customer service experience. Thank you for your help Fahmeda.

Avoid Capital on Tap at all costs!
I spent a whopping $50,000 on their credit card in the first 6-7 months of having the account—always paying on time and fully paying off the balance. After taking a brief break from using the card for a few months, I was blindsided by an email stating that they were closing my account due to “low usage.” No warning, no explanation, just a cold, impersonal notice.

But the worst part? They outright stole the $1,400 in reward points I had earned during that time. Their response? “Sorry, your account is inactive, so there’s nothing you can do about it.” No apology, no attempt to resolve the situation—just a clear message that they don’t care about their customers.

This company’s practices are shady, predatory, and completely disrespectful. It’s clear they’ll do whatever they can to take advantage of you once you stop using their card for a while. Do yourself a favor and stay far, far away from Capital on Tap. They’ll just take your money, punish you for not using their card constantly, and then rob you of the rewards points you earned. Total joke.

I had a great experience with my caller. She was very attentive and took care of my needs.

Fahmeda very professional and very pleasant.
Thank you,
AigroegM LLC

Chuma was great customer service representative. He helped me with completing my application.

Chuma was very helpful, patient, and knowledgeable. I enjoyed my experience with him.

At first the card was fine they gave me $32,000 based on my credit then later on lowered my card to $18,000 for whatever reason. Texas had two hurricanes one in July we had no power a week I called and informed them I would be late then August we had another hurricane and again no power for a week I called again to communicate the issue asking for a courtesy. So far it's been awful they have had my account under review pretty much since July it seems as if they closed it. I've been calling for months asking to speak to a supervisor to review my account showing I never been late past two years. They can never give a strait answer on when my account will be active but each month still looking to receive payment, I don't recommend this card unless you pay full balance each month, the fees are insane ! Stick with American Express and chase they give you large amounts and don't cut your card off with no explanations besides oh you were late. I was only one week late each month and I called in advance. Literally avoid this company there are many others out there that treat customers better.

The representative was very helpful and amazing. Thank you!

I have had this card for about two years and it has been an amazing resource for my business. The terms are reasonable and very flexible. The service is excellent, I highly recommend.

Timely Manner For Resolving Issues And Returned Call Backs

He was extremely knowledgeable and effective to address my issue and concern.

Deeply Appreciative for Chukwuma!! Thank you for such awesome customer service..

Trustworthy company. Excellent customer service and helpful.

Always great customer service

The customer service at Capital on Tap is great. Particularly Brandon, he was very quick and answered all of my questions in a satisfactory way. Great customer service rep!

I highly recommend the credit card!

Elliott answered quickly and solved my question. They have very good customer service here. I am very happy using their services!

My rep was professional, knowledgeable, helpful, and friendly … an outstanding experience. Thanks!

I was assisted by Elliot, who was well informed and able to help me with my problems quickly and efficiently. Happy customer