Best Capital One Spark Business Credit Cards of July 2025

Capital One business credit cards earn unlimited cash back or miles on every dollar your business spends. But most also show up on your personal credit report. Keep that in mind if you plan to carry a balance.
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Best Small Business Credit Card 2025
Ink Business Unlimited℠ Credit Card
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Best small-business credit card

Ink Business Unlimited® Credit Card

on Chase's website

Best Capital One Spark Business Credit Cards

Credit card Best for NerdWallet rating Annual fee Rewards rate Intro offer Learn more
N/A

Capital One Venture X Business

on Capital One's website

Generous travel rewards

$395

2x-10x

Miles

150,000

on Capital One's website

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 Spark Cash Plus

Capital One Spark Cash Plus

on Capital One's website

No preset spending limit

$150

2%-5%

Cashback

$2,000

on Capital One's website

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 Credit Card

Capital One Spark Cash

on Capital One's website

Cash-back credit card

$0 intro for the first year, then $95

2%-5%

Cashback

$1,500

on Capital One's website

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 Select for Excellent Credit

Capital One Spark Cash Select

on Capital One's website

No annual fee + welcome bonus

$0

1.5%-5%

Cashback

$500

on Capital One's website

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 Credit Card

Capital One Spark Miles for Business

on Capital One's website

Entry-level travel card

$0 intro for the first year, then $95

2x-5x

Miles

50,000

Miles

on Capital One's website

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
N/A

Capital One Venture X Business

on Capital One's website

Generous travel rewards

$395

2x-10x

Miles

150,000

on Capital One's website

Capital One Spark Cash Plus

Capital One Spark Cash Plus

on Capital One's website

No preset spending limit

$150

2%-5%

Cashback

$2,000

on Capital One's website

Capital One Spark Cash Credit Card

Capital One Spark Cash

on Capital One's website

Cash-back credit card

$0 intro for the first year, then $95

2%-5%

Cashback

$1,500

on Capital One's website

Capital One Spark Cash Select for Excellent Credit

Capital One Spark Cash Select

on Capital One's website

No annual fee + welcome bonus

$0

1.5%-5%

Cashback

$500

on Capital One's website

Capital One Spark Miles Credit Card

Capital One Spark Miles for Business

on Capital One's website

Entry-level travel card

$0 intro for the first year, then $95

2x-5x

Miles

50,000

Miles

on Capital One's website

Here are the best Capital One business credit cards

Capital One Venture X Business

Best for Generous travel rewards

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

on Capital One's website

Capital One Venture X Business

Best for Generous travel rewards

Annual fee
$395

Rewards rate
2x-10x

Miles

Intro offer
150,000

on Capital One's website

Capital One Spark Cash Plus

Best for No preset spending limit

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

Capital One Spark Cash Plus

Best for No preset spending limit

Annual fee
$150

Rewards rate
2%-5%

Cashback

Intro offer
$2,000

on Capital One's website

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
$1,500

on Capital One's website

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
$1,500

on Capital One's website

Capital One Spark Cash Select

Best for No annual fee + welcome bonus

Annual fee
$0

Rewards rate
1.5%-5%

Cashback

Intro offer
$500

on Capital One's website

Capital One Spark Cash Select

Best for No annual fee + welcome bonus

Annual fee
$0

Rewards rate
1.5%-5%

Cashback

Intro offer
$500

on Capital One's website

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

on Capital One's website

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

on Capital One's website

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.
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.
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 10, 2025

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.

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.