Capital Bank Business Mastercard

Capital Bank Business Mastercard

in Business Credit Cards from Capital Bank


Capital Bank Business Mastercard


in Business Credit Cards from Capital Bank

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Purchase APR  (Variable APR) N/A
Balance Transfer APR  (Variable APR) Starting at 6.4%
Credit Score Range 600 - 850
Annual Fee $25 - $50

Capital Bank Business Mastercard Review

Key Takeaways
  • Annual fee waived the first year. Capital Bank Business Mastercard gives you the chance to have the card for a year without paying the $25 annual fee.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Capital Bank Business Mastercard
The Good The Bad
  • Annual fee waived during the first year.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Capital Bank Business Mastercard reports to multiple credit bureaus.
  • Charges an annual fee of up to $50.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Capital Bank Business Mastercard FAQ

Who is Capital Bank Business Mastercard designed for?

This is a credit card issued by Capital Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

The card has a variable balance transfer APR starting at 6.4% .

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

Capital Bank Business Mastercard Rates & Terms
Balance Transfer APR Starting at 6.4%

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $25.
  • A late payment penalty of up to $35.
  • A returned payment fee of up to $35.
  • An overlimit fee of $35.
Capital Bank Business Mastercard Fees
Fees Amount
Annual Fee $25
Returned Payment Fee $35
Late Payment Fee $35

Does it offer a cash back rewards program?

No, it does not offer a cash back rewards program.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 836-3711.

What is the support contact email?

The support contact email for this business credit card is

Does Capital Bank Business Mastercard report your account activity to credit bureaus?

Yes, Capital Bank Business Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Capital Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Message From Capital Bank Business Mastercard

Business Credit Cards offer convenient purchasing ability and help you with the recordkeeping of your purchases. Monthly statements that help you track purchases. Ability to set the spending limit on each card. 24/7 VIP customer service. Fraud protection.

Feature Breakdown

No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
Annual Fee $25 - $50
Cash Advance Fee (%) Starting at 2%
Cash Advance Fee Minimum $2
Late Fee Amount $35
Minimum Cash Advance Fee ($) $2 - $10
Minimum Interest Charge $0.50
Over-Limit Fee $35
Returned Payment Fee $35
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Balance Computation Average Daily Balance Method (Including Payment)
Balance Transfer APR (Variable APR) Starting at 6.4%
Card Network Mastercard
Card Type
  • Low Interest

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