Does Capital One have a secured credit card for business?

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. » MORE: Best business credit cards for bad credit

Do Capital One business credit cards require a personal guarantee?

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.

What is Capital One’s business credit card limit?

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: undefined : $5,000. undefined : $5,000. undefined : $2,000. Capital One Spark Miles Select for Business: $2,000. undefined : $300. The undefined and undefined are charge cards so there is no preset spending limit, but any balance charged must be paid in full each month.

Do Capital One business credit cards show up on your personal credit?

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 undefined and the undefined . These business charge cards will only show up on your personal credit report if you stop paying your bill. » MORE: Do business credit cards affect your personal credit score?

Best Capital One Spark Business Credit Cards of June 2025

Best Capital One Spark Business Credit Cards

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees	No preset spending limit	4.9 /5	$150	2%-5% Cashback	$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 Select Apply now on Capital One's website Rates & Fees	No annual fee + welcome bonus	4.6 /5	$0	1.5%-5% Cashback	$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 Miles for Business Apply now on Capital One's website Rates & Fees	Entry-level travel card	4.7 /5	$0 intro for the first year, then $95	2x-5x Miles	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

Credit card	Best for	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees	No preset spending limit	4.9 /5	$150	2%-5% Cashback	$2,000	Apply now on Capital One's website Rates & Fees
Capital One Spark Cash Select Apply now on Capital One's website Rates & Fees	No annual fee + welcome bonus	4.6 /5	$0	1.5%-5% Cashback	$500	Apply now on Capital One's website Rates & Fees
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees	Entry-level travel card	4.7 /5	$0 intro for the first year, then $95	2x-5x Miles	50,000 Miles	Apply now on Capital One's website Rates & Fees

Here are the best Capital One business credit cards

Capital One Spark Cash Plus

4.9

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

Capital One Spark Cash Plus

Best for No preset spending limit

4.9

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 Select

4.6

Best for No annual fee + welcome bonus

Annual fee

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

4.6

Annual fee

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 Miles for Business

4.7

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

Capital One Spark Miles for Business

Best for Entry-level travel card

4.7

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

Other picks: Best Capital One Spark business credit cards

These business credit cards are not available through NerdWallet. Before applying, confirm details on Capital One’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.

How to choose a Capital One business credit card

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, the Capital One® Spark® Classic for Business is 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 Business and Capital 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 the Capital One Venture X Business may 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 the Capital One® Spark® Classic for Business, the fair-credit option, as well.

Alternatives to Capital One business credit cards

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.

» MORE:

Best 0% APR business credit cards

The Business Platinum Card® from American Express

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 .) 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.

Notes from card issuers

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 benefits may be 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 June 9, 2025

Meet the editorial team

Kelsey Sheehy

Senior writer | Small business, personal finance

Kelsey Sheehy is a senior writer and NerdWallet authority on small business. She started at NerdWallet in 2015 and spent six years as a personal finance writer and spokesperson before switching gears to cover the financial decisions and challenges faced by small-business owners. Kelsey’s work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the "Today" show, NBC News and ABC’s "World News Tonight" and has been quoted by the Los Angeles Times, CNBC, American Banker, NPR and Vice, among other publications. Prior to joining NerdWallet, Kelsey covered college (and how to pay for it) for U.S. News & World Report. She is based in Washington, D.C.