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.
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.
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Here are the best Capital One business credit cards
Here are the best Capital One business credit cards
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Miles
⏱️ Limited time offer
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
Miles
⏱️ Limited time offer
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
Cashback
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
Cashback
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
Cashback
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
Cashback
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
Cashback
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
Cashback
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
Miles
Miles
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
Miles
Miles
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® Classic for Business
Capital One® Spark® Miles Select for Business
- 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.
Ink Business Cash® Credit Card
Methodology
Frequently Asked Questions
- 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.