Why choose Capital One Business?

Capital One Business

July 17, 2025|7 min read

Capital One offers business banking at your fingertips, a suite of credit cards designed to meet the unique needs of business owners, and tools that help make the day-to-day management of your business easier. The result is a powerful combination of solutions to propel your company forward, such as card offerings that give you big purchasing power along with unlimited cash back or travel rewards. And on the banking side, benefits like unlimited no-fee digital transactions, access to 70,000-plus ATMs and great savings rates make it easy to get business done.

Keep reading to discover why Capital One is the right partner for your business.

What you’ll learn:

Between intuitive banking solutions and a variety of card offerings, Capital One Business provides products and services to help power your business.
Capital One has cards that adapt to your spending needs, reward you for the way you travel and provide generous cash back—all with built-in fraud protection and account management tools to help you stay in control.
You can feel confident about your business’s finances with Capital One Business banking benefits like quick and easy online account opening, no-fee digital transactions or ATM access, and more.

Credit cards designed to bolster your business

From travel rewards cards with business management tools to big purchasing power with no preset spending limit cards¹—and everything in between—Capital One business cards can help your company operate efficiently. For a comprehensive list of cards, check out all the card benefits from Capital One Business. Here are some top card features:

Cash back and travel miles

Capital One business cards provide rewards in the form of cash back or miles.

Cash back: With unlimited cash back, you can return more money into your business by earning a percentage on every purchase made with the card. And with every Capital One cash back business card, you can earn a higher percentage back on hotels and rental cars booked through Capital One’s travel booking site.
Travel miles: Travel rewards cards accrue miles for every purchase you make with the card. You can then apply those earned miles toward travel expenses like airfare, hotels and rental cars. Travel cards from Capital One earn unlimited miles, with no restrictions or blackout dates, so you can travel on your terms. Plus, you can earn additional miles on hotels and rental cars booked through Capital One’s travel booking site.

Next-level travel for business and leisure

Capital One ensures you’ll get the most out of your travel card. That’s because its benefits are designed with travel in mind. Here are some top travel benefits offered by Capital One:

Transfer your miles. Once you’ve accrued miles, you can transfer them to a Capital One airline transfer partner. Make the most of your rewards in a flexible way, with over 15 participating loyalty partners.
Elevate your stay. Venture X Business cardholders enjoy luxurious hotels and vacation rentals from the Premier Collection² and earn a $100 experience credit—for use at hotel spas or restaurants, an in-home chef or other activities unique to each stay—on every booking. Venture X Business cardholders also have access to the vibrant hotels and vacation rentals from the Lifestyle Collection, which come with a $50 experience credit to use on each stay.
Access a network of lounges. Venture X Business cardholders enjoy access to 1,300+ lounges worldwide, including Capital One Lounges and Priority Pass lounges. For more details, see Terms & Conditions.
Skip the lines. Certain Capital One Business cards offset the cost of Global Entry or TSA PreCheck® in the form of a statement credit.
Recharge before takeoff. Travel in comfort with premier amenities at Capital One Lounges featuring working spaces, high-speed Wi-Fi and locally inspired food options.
Enjoy a smart booking experience. Use Capital One Travel features like price drop protection, best-time-to-book alerts and price match guarantee to help ensure you get the best prices.
Avoid foreign transaction fees. Traveling outside the U.S.? With Capital One, you won’t pay transaction fees on purchases, so you can enjoy your trip without added costs.

Simplified day-to-day operations

Use your Capital One business card to seamlessly manage your spending. Take advantage of tools that enable you to pay in a way that works for your business. These include:

Accounts payable: Capital One offers a better way to manage your accounts payable, with flexible payment options and shared access for account managers, directly from your business account. And with Accounts Payable from Capital One, you can earn rewards when you use your card to pay vendors, even if they don’t accept cards.
Employee cards: Manage employee spending from anywhere with employee cards equipped with a personalized tracker so you can quickly see how much has been spent. Also, to maximize your rewards-earning potential, you can earn rewards on every purchase made with an employee card.
Itemized reports: To simplify budgeting and tax season, you can get a year-end summary with a detailed report of your spending.
Recurring transactions: To save time, efficiently view and manage merchants that bill your business every month.
AutoPay: You won’t have to worry about missing a payment when you set up AutoPay. Plus, you can control when payments are made by choosing your own monthly due date.
Account control: Control your account with integrated software providers, like Sage Intacct and Concur Expense.

Fraud protection

Keep you and your business protected with security benefits and features, like:

Virtual cards: Make secure payments with a virtual card so your physical card number isn’t exposed.
Fraud alerts: If suspicious activity or unexpected charges are posted to your account, you’ll receive an email or text from Capital One so your business stays protected.
Spend limits: If you have employee cards, you can set customized spending limits and review purchases in real time.
Card lock: If your card, or the card of one of your employees, gets lost or stolen, you can lock it to avoid potential misuse.
$0 fraud liability for unauthorized charges: You won’t be held financially responsible if fraudulent charges are posted to your account.

Business banking made easy

Check out some top benefits of banking with Capital One that help you feel confident in your business’s finances.

Quick and easy online account opening

Open a business checking or savings account online—without having to visit a branch in person.

Mobile banking app

Bank from almost anywhere, anytime with the Capital One mobile banking platform. And when you’re using the Capital One Mobile app, you can enjoy features like:

Mobile check deposit: By simply snapping a photo, you can deposit checks directly from the mobile app to your account to get faster access to funds.
Transfer and send money: From the app, you can move funds from your Capital One account to other accounts and seamlessly pay your bills and vendors—all from one place.
Alerts and notifications: By signing up for push notifications, texts and emails, you can conveniently receive alerts so you don’t miss important information like a low account balance or a large outgoing transaction.

Unlimited no-fee digital transactions

Take advantage of unlimited free digital transactions, including mobile deposits, ACH payments and select online bill pay options.³

No-fee access to 70,000-plus ATMs

Access your money with no fees at Capital One, MoneyPass® and Allpoint® ATMs. And you can make easy cash deposits at any Capital One branch, Café or ATM, as well as select Allpoint ATMs.⁴

Competitive savings rates

Growing your business finances takes hard work. Capital One helps make the job a bit easier with the great rates found in our business savings accounts. Plus, linked Capital One business checking accounts offer no-cost overdraft coverage to protect your earnings. You also get 24/7 access to your savings account on the web and with the Capital One Mobile app.

Key takeaways

With a robust suite of business credit cards and intuitive banking solutions, Capital One offers products and services that work hard for your business. No matter what stage your business is in, partnering with Capital One provides you with the tools you need to expand and grow. And whether you’re looking for a travel card with a flexible spending limit or features designed to take you further, check out Capital One Business cards that can help move your business forward. See if you’re pre-approved—it’s quick and easy, and it won’t impact your credit.

Capital One Business

Resources and tools to help move your business forward from the experts at Capital One.

Footnotes

Learn more about FDIC insurance coverage.

The information contained herein is shared for educational purposes only and it does not provide a comprehensive list of all financial operations considerations or best practices. This information does not represent any opinion, guidance or recommendation, whether formal or informal, of Capital One, National Association, or any of its officers, directors, employees, advisors, attorneys, consultants, affiliates or subsidiaries (collectively, “Capital One”). Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. Nothing contained herein shall give rise to, or be construed to give rise to, any obligations or liability whatsoever on the part of Capital One. For specific advice about your unique circumstances, consider talking with a qualified professional. Products and services are offered by Capital One, N.A., Member FDIC. © 2025 Capital One.

¹Customers can unlock more purchasing power with no preset spending limit than with fixed line products. Purchasing power is not unlimited and changes over time based on spending behavior, payment history, credit profile and other factors.

²Premier Collection vacation rental experience credit will be applied at time of booking the experience by the host provider to qualifying experience charges up to $100 USD or the local currency equivalent. Lifestyle Collection vacation rental experience credit will be applied at time of booking the experience by the host provider to qualifying experience charges up to $50 USD or the local currency equivalent. Experiences must be booked with a Capital One credit card. Qualifying experience credit options vary by location and are subject to availability. Contact the host provider directly to confirm qualifying experiences—advance reservations recommended for certain experiences. For certain properties, the experience credit will be provided in the form of a gift card. Additional terms apply; see travel.capitalone.com/terms-of-service for details.

³No fee for online bill pay applies only to select payment options, such as payments by ACH, and does not apply to other payment methods, such as payments by credit card. Free online bill pay is for business payments only and not intended for use by commercial and institutional clients with annual sales exceeding $10 million. If you schedule a bill payment through Capital One online bill pay and incur a late fee or penalty fee because the payment does not arrive on time (certain conditions apply), Capital One may reimburse you (up to $50) for any late fee or penalty you incur and will work with you and the payee to resolve any issues associated with a delayed payment. Online bill pay terms referenced above only apply to accounts opened through Small Business Bank. Mobile deposits refers to checks deposited via the Capital One Mobile app. Free ACH payments applies to Basic Checking, Enhanced Checking, and Business Savings accounts. ACH payment fees may apply to other business banking products. Fees and restrictions may apply to wire transfers. For more information, see explanation of key services and charges for Basic Checking and Enhanced Checking.

⁴The Capital One ATM network offers checking customers free access to Capital One, MoneyPass® and Allpoint® ATMs. Fee-free ATM access is limited to consumer and small business checking accounts. As of 8/27/2024, there are 1,244 Capital One ATMs, 36,669 MoneyPass® ATMs and 41,409 Allpoint® ATMs. Cash deposits at select Allpoint® ATMs depend on your geographical location. Find ATMs near you that accept cash deposits using Capital One’s Location Finder.

Premier Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $100 USD or the local currency equivalent. Lifestyle Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $50 USD or the local currency equivalent. Qualifying charges vary by location, are subject to availability, and must be charged to your room during your eligible stay; contact hotel directly to confirm qualifying experiences. Advance reservations recommended for certain experiences.