Listopedia

Capital One, National Association

Bank-issued business charge card with 2% cash back

Overview

Capital One offers three small-business checking accounts with unusually explicit fee terms on the product page[5]. Basic Checking costs $15 a month, waived with a $2,000 minimum balance; it has no free-transaction cap, and teller cash deposits above $5,000 in a month cost $1 per $1,000[5]. Enhanced Checking costs $35 a month, waived with $25,000, includes five free outgoing domestic wires per month and has no cash transaction fees, being designed for businesses depositing under $40,000 in cash a month[5]. Premier Checking costs $99 a month, waived at $100,000, and includes discounted wires when sent through the Intellix treasury platform[5].

Cash deposits at Capital One and selected Allpoint ATMs carry no fees on any of the three accounts[5]. Capital One completed its acquisition of Discover Financial Services on 18 May 2025, saying customer accounts and banking relationships were unchanged at closing[21]. The branch footprint is smaller than those of Chase or Bank of America, which makes ATM cash deposit an important part of the offer for cash-handling businesses.

Capital One, National Association features

  • No transaction cap on Basic Checking
  • Fee-free cash deposits at Capital One and Allpoint ATMs
  • Five free outgoing domestic wires on Enhanced
  • Intellix treasury pricing on Premier
  • Itemised wire fees
  • 2% cash back on every purchase
  • 5% on hotels and car rentals via Capital One Business Travel
  • No preset spending limit

Capital One, National Association pricing

Basic: $15/month, waived at $2,000; wires $15 in / $25 out domestic, $15 in / $40 out international; teller cash over $5,000/month $1 per $1,000. Enhanced: $35/month, waived at $25,000; first 5 outgoing domestic wires free, then $25. Premier: $99/month, waived at $100,000; teller cash $5 per deposit ticket.

Capital One, National Association strengths and limitations

Strengths

  • Fees published in detail
  • No transaction cap on entry account
  • ATM cash deposits without fees
  • Enhanced tier suits heavy cash users
  • Flat 2% cash back with no categories
  • Issued directly by a large bank

Limitations

  • $15 fee unless $2,000 is held
  • International outgoing wires $40
  • Premier wire discounts only via Intellix
  • Smaller branch footprint than the largest banks
  • Annual fee unless spend reaches US$150,000
  • Business card, not built around corporate expense policy

Appears in

Capital One, National Association alternatives and competitors

Alternatives to Capital One, National Association: companies ranked in the same lists.

Is this your company?

Update the description, logo, image and link through the submission form. Editors review every change.

Update this listing

Is your company missing from a list?

Send your logo, description and link. Editors review every submission, and approved listings are clearly labelled.

Add your company