# RewardsPilot or a business credit card: which earns more on the bills a UK business pays?

Checked 2026-10-01. By the RewardsPilot team.

A business credit card earns about 1 point per £1 and can be used wherever cards are taken, on credit. RewardsPilot earns 4 points per £1 on bills paid from the business's own funds, including HMRC bills that do not take personal credit cards. On £50,000 of monthly bills that is 200,000 points against about 50,000.

## Side by side

The card column uses the Capital on Tap Business Credit Card as a published example; other cards differ.

| | RewardsPilot | Business credit card |
|---|---|---|
| Earn rate | 4 RewardsPilot points per £1 of net spend; each point is 1 airline mile | 1 point per £1, worth 0.8 Avios (free card) or 1 Avios (Pro) each |
| Cash instead of miles | 3% of the spend behind the points (0.75p a point), paid within 24 hours | 1% cashback on card spend |
| HMRC bills (VAT, PAYE, Corporation Tax) | Yes. RewardsPilot pays HMRC by bank transfer with the business's own reference | Corporate cards are accepted online for a non-refundable fee; personal credit cards are not accepted |
| Supplier invoices, rent, payroll | Yes, any genuine business payment, paid to the payee's bank account | Only where the payee takes card payments |
| How it is paid | From the business's bank account, against RewardsPilot's invoice, due one day before the bill's pay-by date | On credit, repaid on the card statement |
| Credit | None. No credit lines are available | Credit limit up to £250,000; interest from 13.86% APR (variable) if not repaid in full |
| Fees | No subscription or set-up fee for qualifying clients. RewardsPilot's invoice carries VAT on its service, intended to be recoverable for VAT-registered businesses, subject to their own position | no annual fee; HMRC's card fee on tax bills; interest if a balance is carried |
| Caps | No minimum monthly spend, no spending limit, points never expire | The credit limit |
| Who it is for | VAT-registered UK businesses with genuine corporate expenditure | UK businesses that pass the lender's credit checks |

Sources: Capital on Tap, business credit cards and Avios pages (https://www.capitalontap.com/en/business-credit-cards/avios/); GOV.UK, "Pay your VAT bill" (card rules) (https://www.gov.uk/pay-vat). Checked 2026-10-01. Card terms change; check the issuer's site.

## Worked figures

Monthly bills put through each. Points are earned on the net amount; the card column assumes every bill could be paid by card, which HMRC and many suppliers limit.

| Monthly bills | RewardsPilot points | or cash | Card points | as Avios (free / Pro) | or cashback |
|---|---|---|---|---|---|
| £10,000 | 40,000 | £300 | 10,000 | 8,000 / 10,000 | £100 |
| £50,000 | 200,000 | £1,500 | 50,000 | 40,000 / 50,000 | £500 |
| £100,000 | 400,000 | £3,000 | 100,000 | 80,000 / 100,000 | £1,000 |

## Questions

### Which earns more, RewardsPilot or a business credit card?

Per pound, RewardsPilot: 4 points per £1 of net spend against about 1 point per £1 on a business card. On £50,000 of monthly bills that is 200,000 points a month against about 50,000, or £1,500 against £500 as cash.

### When is a business credit card the better choice?

When the business needs credit, or is paying at a till or online checkout where only a card will do. A card also suits spend below what a business would route through a bill-payment programme.

### Can I pay HMRC with a business credit card?

HMRC accepts corporate credit and debit cards online for a non-refundable fee, and personal debit cards free. It does not accept personal credit cards. Through RewardsPilot, HMRC is paid by bank transfer with the business's own reference.

### Can I use both?

Yes. Many businesses keep a card for day-to-day and point-of-sale spend and put their large bills, such as VAT, PAYE, suppliers and payroll, through RewardsPilot.

### What does RewardsPilot cost?

There is no subscription or set-up fee for qualifying clients. RewardsPilot invoices its service with VAT on the full amount; for a VAT-registered business using it for taxable activities that VAT is intended to be recoverable through the normal VAT return, subject to its own position, so it is principally a cash-flow timing consideration. This is not tax advice.

### Is RewardsPilot a credit card?

No. RewardsPilot is a corporate membership. The business pays RewardsPilot's invoice from its own funds and RewardsPilot pays the bill. No credit lines are available.

RewardsPilot is not a bank or a lender and does not provide credit or financial advice. Card figures are the issuer's published terms on the date checked. RewardsPilot is not affiliated with Capital on Tap.

Apply: https://www.rewardspilot.co.uk/apply · Request a call: https://www.rewardspilot.co.uk/request-a-call

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Last reviewed: 2026-10-01
Contact: info@rewardspilot.co.uk · 0161 850 2526
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