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Best Capital One Spark Business Credit Cards of August 2024

By Kelsey Sheehy
Last updated on July 16, 2024
Edited byRyan Lane
Fact checked and reviewed

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.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

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.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best Capital One business credit cards

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn 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

$1,200

Apply now

on Capital One's website

Rates & Fees

No annual fee + welcome bonus

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

No annual fee + intro APR

Capital One Spark Cash Select for Good Credit

Apply now

on Capital One's website

Rates & Fees

3.6/5
$0

1.5%-5%

Cashback

N/A

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 forNerdWallet ratingAnnual feeRewards rateIntro offerLearn 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

$1,200

Apply now

on Capital One's website

Rates & Fees

No annual fee + welcome bonus

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

4.9/5
$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

No annual fee + intro APR

Capital One Spark Cash Select for Good Credit

Apply now

on Capital One's website

Rates & Fees

3.6/5
$0

1.5%-5%

Cashback

N/A

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

Discover business products tailored to your needs

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Our pick for

Highest cash-back rewards rate

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200

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

Capital One Spark Cash Plus

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200

Our pick for

No annual fee + welcome bonus

Capital One Spark Cash Select for Excellent Credit

Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750

Pros

  • No annual fee
  • High rewards rate
  • No reward caps

Cons

  • Requires excellent credit

Capital One Spark Cash Select for Excellent Credit

NerdWallet rating 

4.9/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750

Our pick for

No annual fee + intro APR

Capital One Spark Cash Select for Good Credit

Read Review
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
N/A

Pros

  • High rewards rate
  • No annual fee
  • Intro APR period

Cons

  • No bonus offer

Capital One Spark Cash Select for Good Credit

NerdWallet rating 

3.6/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
N/A

Our pick for

Generous travel rewards

Capital One Venture X Business

Read Review
Apply now

on Capital One's website

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

Capital One Venture X Business

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

Our pick for

Travel card sign-up bonus

Capital One Spark Miles for Business

Read Review
Apply now

on Capital One's website

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

Capital One Spark Miles for Business

NerdWallet rating 

4.5/5
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points

NerdWallet's editorial picks: Best Capital One Spark business credit cards

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 for Excellent Credit

Our pick for: No annual fee + welcome bonus
NerdWallet star rating: 4.6
The
Capital One Spark Cash Select for Excellent Credit
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 Cash Select for Good Credit

Our pick for: No annual fee + intro APR
NerdWallet star rating: 4.0
Capital One offers two versions of its Spark Cash Select card with different sign-up benefits: The
Capital One Spark Cash Select for Excellent Credit
comes with a welcome bonus, whereas the
Capital One Spark Cash Select for Good Credit
offers an intro APR period, then a
21.24%-29.24% Variable APR
after that. (See rates and fees.) Opt for the
Capital One Spark Cash Select for Good Credit
if your credit is good, but not excellent (typically a FICO score between 690 and 719), or if you're planning to spend big and prefer paying your purchases off interest free instead of getting a bonus for them. 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 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. 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.
*

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 good credit, check out the
    Capital One Spark Cash Select for Good Credit
    . 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 for Good Credit
    ,
    Capital One Spark Cash Select for Excellent Credit
    ,
    Capital One® Spark® Miles Select for Business
    — don’t charge annual fees. Consider
    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 for Excellent Credit
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 18.49%-24.49% 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 July 16, 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

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Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.

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Find a business credit card that works as hard as you do

Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.