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.
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.
Here are the best Capital One business credit cards from our partners
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 4.2/5 Best for Highest cash-back rewards rate | $150 | 2%-5% Cashback | $1,200 | Apply now on Capital One's website Rates & Fees |
Capital One Spark Cash Select for Excellent Credit Apply now on Capital One's website Rates & Fees | 4.6/5 Best for No annual fee + welcome bonus | $0 | 1.5%-5% Cashback | $750 | Apply now on Capital One's website Rates & Fees |
Capital One Spark Cash Select for Good Credit Apply now on Capital One's website Rates & Fees | 4.0/5 Best for No annual fee + intro APR | $0 | 1.5%-5% Cashback | N/A | Apply now on Capital One's website Rates & Fees |
Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Generous travel rewards | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.7/5 Best for Travel card sign-up bonus | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 4.2/5 Best for Highest cash-back rewards rate | $150 | 2%-5% Cashback | $1,200 | Apply now on Capital One's website Rates & Fees |
Capital One Spark Cash Select for Excellent Credit Apply now on Capital One's website Rates & Fees | 4.6/5 Best for No annual fee + welcome bonus | $0 | 1.5%-5% Cashback | $750 | Apply now on Capital One's website Rates & Fees |
Capital One Spark Cash Select for Good Credit Apply now on Capital One's website Rates & Fees | 4.0/5 Best for No annual fee + intro APR | $0 | 1.5%-5% Cashback | N/A | Apply now on Capital One's website Rates & Fees |
Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Generous travel rewards | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.7/5 Best for Travel card sign-up bonus | $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
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- 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
Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- 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 $1,200 once you spend $30,000 in the first 3 months
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Get your $150 annual fee refunded every year you spend at least $150,000
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
View Rates & Fees
Our pick for
No annual fee + welcome bonus
Capital One Spark Cash Select for Excellent Credit
Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires good/excellent credit
Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires good/excellent credit
- Earn a $750 bonus when you spend $6,000 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
No annual fee + intro APR
Capital One Spark Cash Select for Good Credit
Pros
- High rewards rate
- No annual fee
- Intro APR period
Cons
- No bonus offer
Pros
- High rewards rate
- No annual fee
- Intro APR period
Cons
- No bonus offer
- 0% Intro APR for the first 12 months; 21.24% - 29.24% variable APR after that
- 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
Capital One Venture X Business
Pros
- Lounge membership
- High rewards rate
- Welcome offer
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Pros
- Lounge membership
- High rewards rate
- Welcome offer
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options
- 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
- 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
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
- This is a pay-in-full card, so your balance is due in full every month
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
View Rates & Fees
Our pick for
Travel card sign-up bonus
Capital One Spark Miles for Business
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
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 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
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $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
NerdWallet's editorial picks: Best Capital One Spark business credit cards
Capital One cash-back business credit cards
Capital One Spark Cash Plus
Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Good Credit
Capital One® Spark® Classic for Business
Capital One travel business credit cards
Capital One Venture X Business
Capital One Spark Miles for Business
Capital One® Spark® Miles Select for Business
How to choose a Capital One business credit card
- What’s your credit score? You’ll need excellent credit to qualify for most of Capital One’s cards. If you have good credit, check out theCapital One Spark Cash Select for Good Credit. 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 for Good Credit,Capital One Spark Cash Select for Excellent Credit,Capital One® Spark® Miles Select for Business— don’t charge annual fees. ConsiderCapital One® Spark® Classic for Business, the fair-credit option, as well.
Alternatives to Capital One business credit cards
Ink Business Cash® Credit Card
Methodology
Frequently Asked Questions
- 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.