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Capital One business credit cards are known for their generous rewards and simplicity. The issuer’s business credit cards all have no-limit reward programs, meaning you’ll earn points or miles on everything your business spends.
Capital One’s Spark business credit cards are all solid choices for cash-back and travel business credit cards. And you’ll have options if you have fair or good credit, not just excellent credit. Want luxury travel perks? Check out the
Capital One Venture X Business
.We’ve broken Capital One’s business credit cards down into cash-back cards and travel cards to help you figure out which is right for you. All these business credit cards have no foreign transaction fees, and like most issuers, Capital One offers free employee cards too.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Capital One business credit cards are known for their generous rewards and simplicity. The issuer’s business credit cards all have no-limit reward programs, meaning you’ll earn points or miles on everything your business spends.
Capital One’s Spark business credit cards are all solid choices for cash-back and travel business credit cards. And you’ll have options if you have fair or good credit, not just excellent credit. Want luxury travel perks? Check out the
Capital One Venture X Business
.We’ve broken Capital One’s business credit cards down into cash-back cards and travel cards to help you figure out which is right for you. All these business credit cards have no foreign transaction fees, and like most issuers, Capital One offers free employee cards too.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Here are the best Capital One business credit cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Highest cash-back rewards rate Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
No annual fee + welcome bonus Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website Rates & Fees |
Generous travel rewards Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Travel card sign-up bonus Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.5/5 | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Highest cash-back rewards rate Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 5.0/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
No annual fee + welcome bonus Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees | 4.9/5 | $0 | 1.5%-5% Cashback | $500 | Apply now on Capital One's website Rates & Fees |
Generous travel rewards Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Travel card sign-up bonus Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.5/5 | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
I'M INTERESTED IN:
Our pick for
Highest cash-back rewards rate
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- Earns cash back on primary and employee cards
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- Earns cash back on primary and employee cards
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Our pick for
No annual fee + welcome bonus
Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$500
Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires excellent credit
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
View Rates & Fees
Our pick for
Generous travel rewards
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Pros
- Lounge membership
- High rewards rate
- Welcome offer
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
View Rates & Fees
Our pick for
Travel card sign-up bonus
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
View Rates & Fees
Click the card's star rating to read our review. Before applying, confirm details on the issuer’s website.
Capital One cash-back business credit cards
Choose the best Capital One cash-back credit card for you by weighing the rewards rate, annual fee, intro APR period and welcome bonus.
Capital One Spark Cash Select
Our pick for: No annual fee + welcome bonus
NerdWallet star rating: 4.6
The
Capital One Spark Cash Select
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards. (See rates and fees.) Businesses that expect to spend $30,000 or more in their first three months should look to the Capital One Spark Cash Plus
, which offers a higher bonus and rewards rate (for a higher annual fee). (See rates and fees.) Learn more and apply.Capital One Spark Cash Plus
Our pick for: Highest cash-back rewards rate
NerdWallet star rating: 4.2
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, you can earn a welcome bonus if you hit certain spending requirements. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. (See rates and fees.) Learn more and apply.Capital One® Spark® Classic for Business
Our pick for: Business owners with fair credit
NerdWallet star rating: 3.0
The rewards rate on the
Capital One® Spark® Classic for Business
isn't going to wow anyone; there's no sign-up bonus and the APR is high. What makes this card valuable is that it's available to business operators with fair credit, who don't have a lot of options in business credit cards.Capital One travel business credit cards
Travel business credit cards offer higher rewards rates on flights, hotels, rental cars and other travel-related spending. Two of the three cards in this category charge annual fees.
Capital One offers points transfer partnerships with Turkish Airlines Miles&Smiles, Air France/KLM Flying Blue and other airline and hotel chains.*
Capital One Venture X Business
Our pick for: Generous travel rewards
NerdWallet star rating: 5.0
The
Capital One Venture X Business
offers some of the highest travel rewards rates around and a solid cash-back rate on everything else: Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
This is a charge card, so it doesn't come with a preset spending limit — but you'll have to pay it off in full every month. If you can swing that (plus the $395
annual fee), it could be a valuable addition to your wallet. (See rates and fees.) Learn more and apply.Capital One Spark Miles for Business
Our pick for: Travel card sign-up bonus
NerdWallet star rating: 4.7
The
Capital One Spark Miles for Business
earns 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus, too. (See rates and fees.) Learn more and apply.Capital One® Spark® Miles Select for Business
Our pick for: Travel card with no annual fee
NerdWallet star rating: 3.7
The
Capital One® Spark® Miles Select for Business
offers a lower rewards rate and a smaller bonus offer than the regular Spark Miles card, but there's no annual fee, either. Smaller spenders might come out ahead compared with the regular version. Learn more and apply. *Answer these questions to choose the right Capital One business credit card for you:
- What’s your credit score? You’ll need excellent credit to qualify for most of Capital One’s cards. If you have fair credit, theCapital One® Spark® Classic for Businessis your best bet.
- Do you want to be able to carry a balance? Two of the cards in Capital One’s lineup —Capital One Venture X BusinessandCapital One Spark Cash Plus— are business charge cards, which means you’ll have to pay off your balance in full every month.
- What kind of rewards do you want to earn? Cash back is the better deal for most people because you can redeem these rewards as a check or statement credit, making it easy to use them however you want. Miles, which are worth 1 cent each, can be redeemed only for travel — either for booking trips directly through Capital One's travel portal or as a statement credit against travel purchases. But if you’re loyal to Capital One travel rewards, the high rewards rates on theCapital One Venture X Businessmay be enticing.
- Do you mind paying an annual fee? If so, focus on cards with the word “Select” in their name. Those cards —Capital One Spark Cash Select,Capital One® Spark® Miles Select for Business— don’t charge annual fees. ConsiderCapital One® Spark® Classic for Business, the fair-credit option, as well.
Capital One’s no-fuss approach can make its business credit cards a good fit for lots of entrepreneurs — even those without excellent credit. But if you don’t mind a higher-maintenance card or are seeking specific perks, the following alternatives are solid choices too.
Ink Business Cash® Credit Card
Better for: Cash back on bonus categories
The
Capital One Spark Cash Plus
credit card offers a strong 2%-5%
cash back on all purchases. (See rates and fees.) The $0
-annual-fee Capital One Spark Cash Select
matches the industry standard of 1.5%-5%
. (See rates and fees.) But if common expenses like office supplies and telecommunication tools make up most of your spending, consider the Ink Business Cash® Credit Card
instead. It comes with 1%-5%
cash back, a welcome bonus and a perk those Capital One business credit cards lack: 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR
.Best for: Luxury travel rewards card that allows a balance
The Business Platinum Card® from American Express
isn’t cheap: Its $695
annual fee far exceeds that of the Capital One Venture X Business
card ($395
). (See rates and fees.) At first glance, the benefits are similar — high rewards rates on hotels and rental cars booked through the issuers’ websites and access to a nationwide network of airport lounges, for instance. But the AmEx card allows you to carry a balance, while the Capital One Venture X Business
does not. That alone may not be worth an extra few hundred dollars in annual fees. However, if you want to pay off a balance over time and you’ll take advantage of credits that AmEx offers that Capital One doesn’t (such as on purchases with Dell, Indeed and Adobe), The Business Platinum Card® from American Express
might make sense for you. Terms apply.To view rates and fees of The Business Platinum Card® from American Express, see this page.
*Information for the Capital One® Spark® Classic for Business and Capital One® Spark® Miles Select for Business not reviewed by or provided by Capital One.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Last updated on December 10, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.
Frequently Asked Questions
Capital One doesn't offer a secured business credit card. If your personal credit history is thin, consider the Capital One Spark Classic for Business, which is available to business owners with fair or average credit (a FICO score between 630 and 689).
Business credit cards do not help your personal credit score, though. Consider a secured personal card if your goal is to build your personal credit to qualify for a better business credit card down the road. Just remember: It's best to keep business and personal expenses on separate cards, so avoid mixing the two.
Like most small-business credit cards, Capital One requires a personal guarantee: If your business is unable to repay for purchases, you’ll be personally liable for those charges.
Capital One doesn't publish the maximum limit on its business credit cards. But the issuer does share the minimum credit card limit approved entrepreneurs will receive:
- Capital One Spark Miles for Business: $5,000.
- Capital One Spark Cash Select for Business: $2,000.
- Capital One Spark Miles Select for Business: $2,000.
- Capital One Spark Classic for Business: $300.
The
Capital One Spark Cash Plus
is a charge card so there is no preset spending limit, but any balance charged must be paid in full each month.Capital One Spark Cash
accounts opened as of October 2020 don't show up on your personal credit, provided the account is in good standing. If you received a Capital One Spark Cash
card before that date — or have a different Spark card — your business spending can affect your personal credit score.