ADVERTISER DISCLOSURE

Best in the Business: The Capital One Spark Small Business Credit Cards

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Capital One just launched its new lineup, the Capital One Spark business credit cards. No longer Venture Business and so forth, the Spark cards still remain among the best options for small business owners. The suite of six cards is headlined by two standout offers: the Capital One Spark Miles and Capital One Spark Cash. The cards offer solid rewards rates across all purchases, plus a few low-interest perks for those businesses using credit cards for working capital.

Before we detail the cards individually, we’ll talk about what Capital One has to offer on all its cards. It charges no foreign transaction fee, key for business travelers. It also offers quarterly and year-end statements that categorize expenses, and the option to personalize the card with your business’ logo.

It’s also worth noting that Capital One has voluntarily adopted the CARD Act protections, which apply only to personal cards, for its business credit cards as well. This means you’re protected from unannounced and sustained interest rate hikes, among other practices. In a time when many issuers push regular consumers to use business credit cards because they’re unregulated, Capital One’s voluntary acceptance speaks well of them.

Meet the team

Capital One® Spark® Miles for Business

The first, the Capital One Spark Miles, is like the Venture Business, and has one of the highest rewards rates in the business. Our opinion of this is the same as our assessment of the consumer version, the Capital One® Venture® Rewards Credit Card: It’s flexible, it earns a lot of rewards and it’s a darn good choice for any business that travels with any frequency. Its annual fee is $0 intro for first year; $59 after that, and it pays out in No Hassle Miles, which allow you to redeem for any travel expense as a statement credit. All told, it’s one of the best small business credit cards out there.

Capital One® Spark® Miles for Business
Capital One Spark Miles Credit Card
Apply Now

on Capital One's
secure website

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  • Earn 2 miles per dollar on every purchase, every day
  • Get a one-time 25,000 bonus miles—just spend $5,000 on purchases within the first 3 months
  • Receive 5,000 bonus miles by signing up for one or more employee cards
  • Enjoy exclusive, award-winning customer service
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards, merchandise, and more
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
thumbsupPros
  • High rewards rate
  • No foreign transaction fee
thumbsdownCons
  • Has annual fee
Annual Fee Signup Bonus APR , Variable* APR Promotions
$0 intro for first year; $59 after that Get a one-time 25,000 bonus miles - just spend $5,000 on purchases within the first 3 months. 13.9% - 20.9% (V) Purchase: None
Transfer: None

Capital One® Spark® Cash for Business

The Spark Cash replaces the Business No Hassle Cash Premier, and is more or less the same as the Spark Miles, except that it earns cash back rather than No Hassle Miles. You earn generous cash back on all purchases, plus a bonus: Get a one-time $250 cash bonus - just spend $5,000 on purchases within the first 3 months. It’s versatile, and cash back is the easiest form of rewards to use, so for businesses that don’t travel as much, it’s an equally solid option.

Capital One® Spark® Cash for Business
Capital One Spark Cash Credit Card
Apply Now

on Capital One's
secure website

starstarstarstar
  • Earn 2% cash back on every purchase, every day
  • Get a one-time $250 cash bonus—just spend $5,000 on purchases within the first 3 months
  • Receive a $50 cash bonus by signing up for one or more employee cards
  • Enjoy award-winning small business customer service
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire
thumbsupPros
  • High rewards rate
  • No foreign transaction fee
thumbsdownCons
  • Has annual fee
Annual Fee Signup Bonus APR , Variable* APR Promotions
$0 intro for first year; $59 after that Get a one-time $250 cash bonus - just spend $5,000 on purchases within the first 3 months. 13.9% - 20.9% (V) Purchase: None
Transfer: None

Capital One® Spark® Miles Select for Business

The Spark Miles Select for Business replaces the Business Platinum, 1.5 miles per $1. It has a good one-time bonus offer and it’s especially friendly to businesses looking for capital given that it sports an intro APR offer, as well as no annual fee.

Capital One® Spark® Miles Select for Business
Capital One Spark Miles Select Business Credit Card
Apply Now

on Capital One's
secure website

starstarstarhalfstar
  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 10,000 miles once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until March 2015
  • Enjoy no annual fee
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
thumbsupPros
  • High rewards rate
  • No annual fee
  • No foreign transaction fee
Annual Fee Signup Bonus APR , Variable* APR Promotions
$0 Earn 1.5 miles per dollar on every purchase, every day. 12.9% - 20.9% (V) 0% on purchases until March 2015

Capital One® Spark® Cash Select for Business

The Capital One Spark Cash Select for Business replaces the Business No Hassle Cash Premier. It’s the same as the CapOne Spark Miles Select, except that it earns cash back and has a one-time cash-back bonus.

Capital One® Spark® Cash Select for Business
Capital One Spark Cash Select Business Credit Card
Apply Now

on Capital One's
secure website

starstarstarhalfstar
  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $100 bonus once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until March 2015
  • Enjoy no annual fee
  • Get online Quarterly and Year-End Summaries
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire
thumbsupPros
  • High rewards rate
  • No annual fee
  • No foreign transaction fee
Annual Fee Signup Bonus APR , Variable* APR Promotions
$0 Earn 1.5% cash back on every purchase, every day. 12.9% - 20.9% (V) 0% on purchases until March 2015

Capital One® Spark® Select for Business

The CapOne Spark Select Business replaces the CapOne Business Platinum Preferred, and earns 1 mile per $1 spent on all purchases. It has no annual fee and offers 0% interest on purchases, but has no signup bonus. It’s meant for businesses with more limited credit than would qualify for the Spark Cash or Miles Select, which earn more rewards.

Capital One® Spark® Select for Business
Capital One Spark Select Business Credit Card
Apply Now

on Capital One's
secure website

starstarstar
  • Save with our lowest intro APR on all purchases until June 2015
  • Enjoy no annual fee
  • Build business credit with responsible use
  • Earn 1 mile per dollar on all purchases and there's no limit to the amount of miles you can earn
  • Miles don't expire and can be redeemed for travel, merchandise, gift cards, cash and more
  • Fraud Coverage if your card is ever lost or stolen
  • No Foreign Transaction Fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service
thumbsupPros
  • No annual fee
  • No foreign transaction fee
Annual Fee Signup Bonus APR , Variable* APR Promotions
$0 Earn 1 mile per dollar on all purchases and there's no limit to the amount of miles you can earn. 10.9% - 18.9% (V) 0% on purchases until June 2015

Capital One® SparkSM Classic for Business

The Capital One Spark Classic is equivalent to the CapOne Business No Hassle Cash and earns 1% cash back, but has no signup bonus or intro APR. It’s a better option if your business can’t qualify for the Capital One Spark Cash, but compared to the other offers it’s not nearly as exciting.

Capital One® SparkSM Classic for Business
Capital One Spark Classic Business Credit Card
Apply Now

on Capital One's
secure website

starstarstarhalfstar
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Separate business expenses from personal expenses
  • $0 Fraud Liability if your card is ever lost or stolen
  • Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service
thumbsupPros
  • No annual fee
  • No foreign transaction fee
thumbsdownCons
  • High APR
Annual Fee Signup Bonus APR , Variable* APR Promotions
$0 Earn 1% cash back on every purchase 22.9% (V) Purchase: None
Transfer: None

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