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

Make vendor payments with Accounts Payable

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

Make vendor payments with Accounts Payable

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.

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.

Looking for a new card?

Take a peek at our Capital One Business cards to find the right card for your business.

Guides to Visa and Mastercard Benefits 3

Learn about Visa® or Mastercard® advantages that come with your business card.

Small Business Card Frequently Asked Questions

Find answers to questions and read additional helpful information about our small business cards.