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 cash back or miles on every dollar your business spends. Plus, Capital One business cards have no foreign transaction fees. But most Spark business cards will show up on your personal credit report, which is something to consider if you'll carry a balance. And while Capital One does have options for fair or good credit, most of its business cards require excellent credit.
Best Capital One business credit cards
- Capital One Spark Cash: Best for cash-back credit card.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Capital One Spark Cash Select: Best for no annual fee + welcome bonus.
- Capital One® Spark® Classic for Business: Best for business owners with fair credit.
- Capital One Spark Miles for Business: Best for entry-level travel card.
- Capital One® Spark® Miles Select for Business: Best for travel card with no annual fee.
- Capital One Venture X Business: Best for generous travel rewards.
While all of our picks for best Capital One business cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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 cash back or miles on every dollar your business spends. Plus, Capital One business cards have no foreign transaction fees. But most Spark business cards will show up on your personal credit report, which is something to consider if you'll carry a balance. And while Capital One does have options for fair or good credit, most of its business cards require excellent credit.
Best Capital One business credit cards
- Capital One Spark Cash: Best for cash-back credit card.
- Capital One Spark Cash Plus: Best for no preset spending limit.
- Capital One Spark Cash Select: Best for no annual fee + welcome bonus.
- Capital One® Spark® Classic for Business: Best for business owners with fair credit.
- Capital One Spark Miles for Business: Best for entry-level travel card.
- Capital One® Spark® Miles Select for Business: Best for travel card with no annual fee.
- Capital One Venture X Business: Best for generous travel rewards.
While all of our picks for best Capital One business cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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Here are the best Capital One business credit cards
Here are the best Capital One business credit cards
Sort By
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
Up to 350,000 Miles
⏱️ Limited time offer
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Capital One Venture X Business
Best for Generous travel rewards
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
Up to 350,000 Miles
⏱️ Limited time offer
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash Plus
Best for No preset spending limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$750
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One Spark Cash
Best for Cash-back credit card
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%
Cashback
Intro offer
$750
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No foreign transaction fees
- New cardholder bonus offer
- No reward caps
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One Spark Cash Select
Best for No annual fee + welcome bonus
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x
Miles
Intro offer
50,000
Miles
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Capital One Spark Miles for Business
Best for Entry-level travel card
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x
Miles
Intro offer
50,000
Miles
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No reward caps
- Statement credit for Global Entry, TSA PreCheck®
- Annual fee waived for first year
Cons
- Reports all card activity to consumer credit bureaus
- Does not include lounge access or automatic elite status
Click the card's star rating to read our review. Before applying, confirm details on the issuer’s website.
Capital One® Spark® Classic for Business
Our pick for: Business owners with fair credit
NerdWallet star rating: 3.3
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® Spark® Miles Select for Business
Our pick for: Travel card with no annual fee
NerdWallet star rating: 4.4
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. Consider theCapital 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 17.49%-25.49% 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 April 28, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-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 (typically 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 Cash: $5,000.
- Capital One Spark Miles for Business: $5,000.
- Capital One Spark Cash Select: $2,000.
- Capital One Spark Miles Select for Business: $2,000.
- Capital One® Spark® Classic for Business: $300.
The
Capital One Spark Cash Plus
and Capital One Venture X Business
are charge cards so there is no preset spending limit, but any balance charged must be paid in full each month.Most Capital One business credit cards will show up on your personal credit, as the issuer reports allcard activity to consumer and business credit bureaus (rather than just negative information like nonpayment, like other business cards). There are two exceptions: the
Capital One Spark Cash Plus
and the Capital One Venture X Business
. These business charge cards will only show up on your personal credit report if you stop paying your bill.
