Train NPSL cards to grow purchasing power

Many business owners opt for an NPSL card to make larger purchases and enable more spending that may exceed the limits of a traditional credit card. Consistent business spending and frequent payments throughout the month can help grow your purchasing power with an NPSL card. Unlike a traditional business credit card with a fixed credit limit, an NPSL card’s purchasing power adjusts over time based on factors such as your payment history, account activity and financial profile.

Learn how to train your NPSL card to build purchasing power that grows with your business.

For businesses, an NPSL card offers purchasing power that evolves based on your spending and payment history rather than a fixed credit limit. And since purchasing power can adjust over time, NPSL cards offer big purchasing power and may be a good option for businesses with variable spending needs.

With an NPSL card, your card’s dynamic purchasing power evolves based on your spending behavior and payment activity. You can help grow or “train” it over time by using your card regularly and paying down your balance throughout the month.

With consistent spending and payments on your card, your purchasing power can grow. You can think of it like building muscle over time. The more you use your card and pay it off consistently, the more it will grow. We recommend a “train your card” approach. 

To help build your NPSL card’s “muscle” or purchasing power, focus on responsible financial habits, such as:

• Maintaining healthy business finances: Strong cash flow and responsible credit management can support your overall financial profile.
• Planning for larger purchases: When planning a large expense, the Capital One Confirm Purchasing Power tool offers extra assurance by allowing you to check if a transaction is likely to be approved in advance.
• Avoiding returned payments: Making payments from accounts with sufficient funds can help prevent returned payments, which may affect your account and purchasing power.

Regularly using your NPSL card for everyday and recurring business purchases can help establish consistent spending patterns over time, rather than relying primarily on occasional large purchases.

Many businesses already rely on credit cards as part of their day-to-day operations. According to research by the Capital One Insights Center, more than 71% of small-business owners report that over 25% of their spending is made with credit cards, while 67% say business credit cards are very important or essential for managing everyday expenses. 

Making these routine purchases with your NPSL card can help grow its purchasing power over time.

Making multiple payments throughout the billing cycle can help keep your balance lower and restore available purchasing power. Instead of waiting until your statement due date, paying down your balance as you make purchases can help you manage ongoing business spending.

Combined with consistent card use, making regular payments throughout the month can help support—and potentially increase—your card’s purchasing power over time.

Returned payments can happen when there aren’t enough funds in your linked business bank account or when payment information is entered incorrectly. Because payment activity is one factor that may influence your card’s purchasing power, taking steps to avoid returned payments can help support responsible account management.

To help reduce the risk of returned payments:

• Keep sufficient funds available: Maintain enough funds in the business bank account used to make your payments.

• Verify payment information: Double-check your payment information to help ensure your account and routing numbers are accurate.

• Schedule payments strategically: Align payments with your business’s cash flow projections so funds are available when your payment is processed.

• Monitor payment activity: Keep track of your payment status to confirm payments are completed successfully and address any issues promptly.

NPSL cards can help maximize rewards by letting you earn cash back or miles on eligible business purchases. As your card’s purchasing power adjusts over time, you may be able to put more everyday business spending on your card, creating additional opportunities to earn rewards.

Capital One offers two business cards with NPSL that combine dynamic spending power with valuable rewards on eligible purchases:

Whether you prefer travel or cash back rewards, both cards let you earn rewards on the eligible business purchases you’re already making. 

NPSL cards offer purchasing power that can adjust over time instead of a fixed credit limit. Consistent business spending, frequent payments throughout the billing cycle and responsible account management can help grow your card’s purchasing power.

If you’re a business owner ready to take the next step, see if you’re pre-approved for a Capital One Business credit card—before applying—with no impact on your personal credit score.