Simplify the way you do business
The One Card from Capital One® is designed to streamline the way your business works. Choose maximum rewards or extra cashflow flexibility, while simplifying expenses, accounts payable and billing processes. For more details and to apply, schedule a call back with an experienced representative.
Customized for your business.
Maximize rewards with a 14-day billing cycle. Or extend your billing
cycle to 30 days and earn competitive rewards.
Choose the right solution for your business
Managing the details
Virtual Card Leverage our digital platform to send payments to suppliers in just a few clicks, generate ancillary revenue from rebates, enhance control and visibility into procurement spend, and simplify account reconciliation.
Employee Cards Your corporate card account has no cap on the number of authorized cardholders supported.
Real-Time Spend Controls Set and adjust daily, monthly and transaction–specific spend limits in real-time. Choose employee spend restrictions by transaction type.
Flexible Employee Card Management Manage your card program online 24/7. Add employee cards, see transaction details as soon as they post, and generate standard and custom reports.
Expense Management Support Upload receipts, delegate expense approval authorities, build custom hierarchies for expense management routing and more.
Downloadable Purchase Records Quickly and securely download your purchase records into multiple formats, including Quicken®, QuickBooksTM and Excel® for easy accounting.
No Foreign Transaction Fees You won’t pay a transaction fee when making purchases outside of the United States.
Online Management Tools Conveniently track and manage spend by supplier, schedule automated reports, access up to 36 months of extended transaction data and more.
MasterCard Easy Savings® Save 1%–4% on qualified business purchases at 30,000+ participating merchants nationwide. No sign-up is required; savings are automatically credited to your monthly statement. See participating merchants and additional details.
More ways to redeem Choose to earn points, which can be redeemed at either the company or employee level for gifts cards, merchandise, and statement credits. Or, choose to earn rebates, which provide cash back directly to the company.
Protecting your interests
Chip Technology An embedded microchip provides extra security against fraud by encrypting customer data when used at chip-enabled registers. Get more information on our FAQ page.
Fraud Coverage Get peace of mind with liability protection against employee misuse2.
Purchase Security Within the first 90 days of purchase, this coverage will replace, repair or reimburse you for eligible items purchased with your business card in the event of theft or damage3.
Extended Protection You’ll get additional warranty protection at no charge on eligible items that are purchased with your business card, up to one year past the manufacturer’s warranty3.
Providing service you can count on
Experienced Commercial Card Service Representatives Our representatives are specially trained to work with you and are available seven days a week to help with any questions you may have. Just call 1-866-772-4497.
Hands-On Integration and Training Assistance We understand that smooth systems integration is crucial to performing your day-to-day business activities without disruption. That’s why we have experts trained on integration procedures and our tools available to help.
Traveling with confidence3
Auto Rental Insurance There’s no need to pay extra for rental insurance when you use your Capital One MasterCard®. Insurance can cover physical damage, theft, towing expenses and reasonable fees assessed by the rental company.
Travel and Emergency Assistance When you’re traveling for business, you can count on a wide range of MasterCard emergency services, including ticket replacement, legal or medical referrals and more – 24 hours a day, 365 days a year.
24-Hour Card Replacement If your card has been lost or stolen, you can call 1-800-MASTERCARD 24/7, 365 days a year for assistance with your account and card replacement.
Capital One's Commercial Card Program is designed for businesses with a minimum annual card spend of $1,000,000. If your business does not meet this criteria, please talk to your banker about alternatives, such as our Spark Business products, which may better suit your business needs.
Certain transaction types are excluded because of the lower interchange MasterCard® pays on those transaction types. Based on 2015 spend data, our clients on average earn 1.34x rewards per net dollar purchase when opting for the 1.5x rewards program and 1.09x rewards per net dollar purchase when selecting the 1.25x rewards program. Prior to application, we offer a vendor analysis based on your actual spend to estimate your blended reward earn. Ask your Commercial Card representative for more information.
In order for Fraud Coverage to apply, employees must use a covered MasterCard for charges that do not directly or indirectly benefit the company. Eligibility requirements as well as additional terms, conditions and exclusions apply. Unauthorized use or fraud liability claims are subject to verification and investigation. See the MasterCoverage Program Brochure for further details and program conditions.
Additional terms, conditions and exclusions apply. Please refer to the MasterCard Guide to Benefits for further details.