Montana | Capital One

Montana

From our investments in community development to the nonprofit community partners we support, we are committed to Changing Banking for Good in Montana.

CAPITAL ONE IN MONTANA

Capital One has contributed over $19.6M to community development in MT (2018-2025)

Capital One card and small businesses customers earned over $44M in credit card rewards in 2025

Nearly 400K customers across the state, including over 40k small business customers

Helping Montana small businesses thrive

What started in 2021 as a local Billings hobby shop founded by Dalton Heiliger and Ryate Walstad has rapidly evolved into a multi-million dollar sports card and collectibles business. Today, LuckBox Sportscards employs over 20 people and serves a passionate community of collectors nationwide. Scaling a business this quickly requires seamless day-to-day financial management. To support this growth, LuckBox Sportscards uses its Capital One Spark Cash Plus card, helping to provide the financial flexibility needed to scale.

“We started in 2021 with just two guys in a small shop, and we’ve grown into a huge online business. Capital One really helped us bridge the gap between trying to scale and having the money to do it, allowing us to expand while staying focused on what matters most—giving back to our local community. We support our local youth leagues, high school teams and small businesses. If you keep giving back to your community, the community will keep giving back to you.” - Dalton Heiliger, Co-Owner, LuckBox Sportscards

Main Street sign in downtown Bozeman, Montana.

PRESS RELEASE

Capital One announces $3 million investment in Montana

Capital One announces a $3 million investment to support rural economic growth and small business development in Montana, reflecting its focus on expanding opportunities for small business growth.

Mapping Rural Entrepreneurship

Entrepreneurship is one of rural America's greatest strengths–creating jobs, strengthening local economies and building wealth that stays close to home. What's often missing is a clear way to see where that momentum is growing and how new opportunity can take hold.

Read our report

“Small business owners are the backbone of local communities here in Montana. I take pride in my role at Capital One – and the partnerships that I’ve built with my clients – and see my job as making sure they have a fair shot at every opportunity that comes their way by leveraging the right financial tools and products. Being a father to three young boys has taught me that the best partnerships are built on patience and empathy, and I bring that same commitment to every business that I serve.” Luis Garcia, Regional Customer Relationship Manager, Capital One

Meet Luis Garcia: A partner for Montana’s entrepreneurs

Luis Garcia knows that behind every small business is a person who took a leap of faith. As a Regional Customer Relationship Manager in Capital One’s Business Cards & Payments division, Luis leverages his 15 years of experience to help small business owners across Montana and Idaho grow and scale—helping them discover and implement the comprehensive financial solutions and access the credit that is needed to reinvest back into their operations, reward their employees and plan for the future.

Community Benefits Plan Impact In Action

Community Benefits Plan hub

Visit the Community hub for our plan overview, details about our goals, areas of impact and latest news.

Visit the hub

Aerial photograph of a rural neighborhood

Local housing solutions

Mayors are steadfast in their efforts to find solutions to increase access and opportunity to quality affordable housing.

Read our report