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

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

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

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.