10 Benefits of Having a Capital One Business Credit Card

Capital One is one of the leading names when it comes to credit cards, and they do a great job of offering credit cards to average consumers. When it comes to businesses, Capital One has stepped up to the plate to offer businesses, small and large alike, extra features to make finances easier to manage. Capital One offers at least 5 different credit cards for businesses to choose from, and they all have great benefits that will come in handy for many business owners. Capital One’s business brands include the Spark Classic, Spark Cash, Spark Cash Select, Spark Miles, and Spark Miles Select. These are 10 of the benefits you will get when you acquire one of these Capital One Business Credit Cards.

1. Fraud protection

Capital one offer real-time alert for any possible fraudulent activities or attempts that might have been made on your business credit card. The company also covers your business with their $0 Fraud Liability policy if ever your card was stolen or lost.

2. Employee cards

As an employer, you might need to give some of your employees credit cards to be used for business expenses. Capital One makes this an easy process and at no additional cost. In addition, you’ll also be able to access tools that will allow you to monitor spending activity and even earn rewards for whatever purchases were made from all employee cards.

3. Purchase security

Capital One offers replacement or reimbursement for any eligible items that you might have purchased with your business credit cards in case the items were damaged or stolen. This security lasts for 90 days from the time of purchase, but you can also get extended warranty protection if you wish.

4. Summaries

Capital One can give you quarterly and yearly summaries on the activity on your business credit cards whenever you want. This will come especially handy when it comes to tax preparation or any other planning and budgeting you might need to do for your business. These will give you a clear view of one part of your business finances that’s extremely important—your spending.

5. No foreign transaction fees

This benefit will especially come in handy for those businesses that do a lot of international transactions. If you tend to travel for your business a lot, Capital One will offer you the benefit of no foreign transaction fees with their business credit cards. You can understand how valuable this is if you’ve been charged with a hefty bill before from these fees. They add up and do so quickly.

6. Online servicing

Capital One has created a completely solid online customer service experience for busy business owners who can’t be on the phone for long periods of time. You can manage your account online and have the capability of doing most of the things you need to do with your account through their website. You can also download the mobile app for convenience.

7. SavingsEdge

Visa has a program that will allow you to shop at a discounted rate of up to 15%. There are various of merchants that participate in this program, and all you’ll hav to do is enroll your Capital One business credit card to take advantage of it. You can make purchases for your business and save tons of money just through this program alone. SavingsEdge features merchants such as Stamps.com, AutoZone, Chevron, Yext, The Wall Street Journal, and many more.

8. Purchase records

Capital One has made it easy to download your purchase records into various formats that are used for accounting. This works with Quicken, QuickBooks, and Excel. This feature is very handy for accounting purposes, allowing you to monitor and finance accordingly.

9. Auto rental collision damage waiver

If you tend to travel a lot and rent cars with your business credit card, you can be glad that Capital One will cover any damages due to theft or collision as long as you rent an eligible car. This benefit alone will bring you a peace of mind like no other.

10. Emergency assistance

Anytime you might be on any of your travels, Visa offers a lot of emergency assistance that you can take advantage of when you own a Capital One business credit card. Some emergency services include any legal or medical issues, replacement of lost travel tickets, and many more.


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