Business Card

Small Business Employee Cards

Add employee cards to your Capital One Business card at no additional cost. If you don’t have a Capital One Business card, compare business cards.

Employee Cards

First, choose an access level for each of your employees. There is no charge to add additional employees to your account.

Authorized User

Authorized users can make purchases on behalf of the business. They can track their own spending and monitor their card activity, but they can’t view overall account details.

Activate their own card

View their card's balance and available credit

Review, download and print their transactions

Replace their lost or stolen card

Resolve fraud or purchase disputes on their card

Account Manager

Account managers have greater access to your account—they can manage authorized users, monitor account finances and make payments.

Activate all employee cards on the account

View the account's balance and available credit

Review, download and print all transactions on the account

Replace any lost or stolen employee cards on the account

Resolve fraud and purchase disputes on all employee cards

Add, freeze or remove authorized users

Manage authorized users' spend and cash limits

Make and manage card payments

Review, download and print monthly statements

Make vendor payments with Accounts Payable

Authorized User

Account Manager

Authorized users can make purchases on behalf of the business. They can track their own spending and monitor their card activity, but they can’t view overall account details.
Account managers have greater access to your account—they can manage authorized users, monitor account finances and make payments.

Activate their own card

View their card's balance and available credit

Review, download and print their transactions

Replace their lost or stolen card

Resolve fraud or purchase disputes on their card

Activate all employee cards on the account

View the account's balance and available credit

Review, download and print all transactions on the account

Replace any lost or stolen employee cards on the account

Resolve fraud and purchase disputes on all employee cards

Add, freeze or remove authorized users

Manage authorized users' spend and cash limits

Make and manage card payments

Review, download and print monthly statements

Make vendor payments with Accounts Payable

Don't have a Capital One Business card?

Apply for a Capital One Business card today and start taking advantage of all the benefits and rewards.

Explore Employee Card Benefits 1

Manage From Anywhere

Manage users from your laptop, tablet or mobile device. Take care of your account while working or even when you're on the go.

Track and Monitor

Review all purchases made by employees in real time or in your monthly statement, where purchases are split by account users. 

Protect

Lock and unlock all employee cards. Report fraudulent purchases and replace any missing or damaged cards.

Earn Rewards

Earn more rewards with every purchase made on an employee card.

Receive Notifications

Receive purchase notifications for all employee cards, alerts when an employee goes over their limit or when a purchase is flagged as potential fraud.

Free Employee Cards

Add employee cards at no additional cost.

Learn how to add employee cards and choose the right access level.

Manage Employee Spending

Capital One Mobile Application

  • Manage Spend Limits

    Manage employee spend and cash limits. You can reset an employee’s spend limit at any point during the billing cycle.

  • Track Spending

    Monitor employee spend using the personalized spend tracker. See how much they’ve spent in a cycle, what’s left over and any pending transactions.

  • Add Users

    When adding an employee, all you need is their full name, date of birth and phone number. You’ll have the choice to issue them a card or not.

  • Remove Users

    Delete an employee from your account and they’ll no longer have access to your account or be able to spend.

  • Edit Account Access

    Change a user’s access level from an authorized user to account manager or vice versa. Editing user access is never permanent—you can always go back.

  • Give Online Access 2

    Empower your employees to set up and manage their card online with their own username and password.

Frequently Asked Questions

You will need to know some basic personal information, as well as some information about your business—including your business’s total annual revenue and your business Tax ID Number or Employer ID Number.

This is a nine-digit number that’s assigned to nearly every U.S. business by the IRS to ensure tax compliance. It’s like the equivalent of a Social Security Number for a business. A business tax ID is required for business card applications for all business structures except Sole Proprietorships.

You can apply for a business card online or by calling 1-866-390-5934. Or, if you received an offer in the mail, you can apply by calling the phone number listed on your letter, online or by mail. Please refer to the reservation number and access code listed in your letter.

If you have questions about an application that you’ve already submitted, please call 1-800-903-9177 to speak with an experienced customer service representative.

Once your application has been approved, you should receive your business card within 10 business days.

Yes. Once you get your business card, you can enroll in online banking to pay your bill. You can also mail your payments using U.S. Mail or expedited mail service such as FedEx. You can find our mailing address on our contact us page.

Yes. After your account is open, you can call Customer Relations to request a different payment due date.

After your account is open, you can call Customer Relations to discuss your balance transfer options. You will not be able to transfer a balance from another account issued or acquired by Capital One or any of its affiliates or subsidiaries.

With your card, you'll get numerous benefits, such as a year-end summary to help you track expenses by category, $0 fraud liability if your card is ever lost or stolen and employee cards upon your request at no additional cost. check out our full list of business credit benefits.

We apply your minimum payment to lower rate balances (including 0% APR) before higher rate ones. We apply any portion of your payment in excess of your minimum payment to higher rate balances before lower rate ones. If your payment exceeds the minimum payment by an amount sufficient to pay a higher rate balance shown on your statement, you still may have a balance at that higher rate on your next statement as a result of transactions, interest, or fees charged to your account before your payment was credited. For example, if your monthly statement shows a $1,000 balance for cash advances, sending in a check for $1,000 plus your minimum payment amount may not bring your cash advance balance to $0. This is because interest continues to accrue on the $1,000 balance between the last day of the statement and the date we receive your payment, but the interest does not post to your account until the next statement.

Frequently Asked Questions

Will an authorized user or account manager’s credit score be affected?

No, we do not check credit score for authorized users or account managers since they are just being added to the account.

Do employee cards have the same level of fraud protection?

Yes, employee cards do have the same level of fraud protection as the primary account holder’s card.

Who is eligible to redeem rewards on the account?

Only the primary account holder can redeem rewards. When authorized users and account managers make purchases, it will contribute to the account’s rewards total.

How much does it cost to add an authorized user or account manager?

Adding an authorized user or account manager is free.

Looking for a new card?

Take a peek at our Capital One Business cards to find the right card for your business.

Compare Cards

Guides to Visa and Mastercard Benefits 3

Learn about Visa® or Mastercard® advantages that come with your business card.

See Benefits Guide

Small Business Card Frequently Asked Questions

Find answers to questions and read additional helpful information about our small business cards.

Read FAQs
Rewards claims subject to product type. Not all products earn rewards. See your product terms and conditions for more detail.
1

The benefits described pertain to Capital One branded small business cards and may not be available with consumer, co-brand and retail partner cards. Some benefits are only available to the primary accountholder and not authorized users. If available, balance transfer requests are subject to approval.

Some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.

2

Online capability for greater than 99 account users is coming soon.

3

See your respective Visa® or Mastercard® Guide to Benefits for these and other available benefits. Terms, conditions and exclusions apply.