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Capital One offers eight business credit cards, two being charge cards, all of which offer cash back or miles. To find the best Capital One business credit card, consider factors like annual fees, ongoing rewards, 0% Annual Percentage Rate (APR), welcome offers, and credit requirements. It takes around 10 minutes to apply for most Capital One business credit cards, and you’ll get a decision in seconds.
Here are the eight Capital One business credit cards:
- Capital One Spark® Miles Select for Business: Best for earning miles with sign-up bonus and $0 annual fee
- card_name: Best for earning premium miles with Lifestyle Collection benefits
- card_name: Best for earning cash back with generous welcome offer
- card_name: Best for earning cash back with a 0% APR
- Capital One Spark 1% Classic: Best for business owners with fair credit scores
- card_name: Best for businesses that pay in full and want no preset spending limit
- card_name: Best charge card with premium miles on hotels, car rentals, and flights
- Bass Pro Shops and Cabela’s CLUB Business Mastercard®: Best for frequent Bass Pro shops and Cabela’s stores shoppers
Overview of the Capital One Business Credit Cards 2024
Best For | Annual Fee | Welcome Offer | Ongoing Rewards | Credit Needed | ||
|---|---|---|---|---|---|---|
 Capital One® Spark® Miles Select for Business | Earning miles with sign-up bonus and $0 annual fee | $0 | Excellent | |||
 Capital One Spark Miles for Business | Earning premium miles with Lifestyle Collection benefits | annual_fees | Excellent | |||
 Capital One Spark Cash Select for Excellent Credit | Earning cash back with generous welcome offer | $0 | Excellent | |||
Capital One Spark Cash Select for Good Credit | Earning cash back with a 0% APR | $0 | 0% APR on purchases for the first 12 months | Good | ||
 Capital One Spark 1% Classic | Business owners with fair credit scores | $0 | None | Fair | ||
Capital One Spark Cash Plus | Businesses that pay in full and want no preset spending limit | $150, refunded if you spend at least $150,000 in a year | Excellent | |||
 Capital One Venture X Business | Charge card with premium miles on hotels, car rentals, and flights | $395 | Excellent | |||
 Bass Pro Shops and Cabela's CLUB Business Mastercard® | Frequent Bass Pro shops and Cabela’s stores shoppers | $0 | Excellent |
1. Credit Score
Your credit score will primarily determine the best Capital One business credit card you can qualify for. If you have fair credit and are looking into rebuilding your credit score, you can qualify for the Capital One Spark 1% Classic. If you have good credit, you may also qualify for Capital One Spark Cash Select for Good Credit. Those with excellent credit can qualify for all other Capital One credit cards.
2. Preferred Rewards
Capital One business credit cards offer CLUB points, cash back, and travel rewards, so identifying what type of rewards your business needs is essential when deciding which card is best for you.
If you prefer to earn CLUB points, you’ll benefit from the Bass Pro Shops and Cabela’s CLUB Business Mastercard®. If your business requires you to travel frequently, you can choose between the Capital One Spark Miles Select for Business, Capital One Spark Miles for Business, and Capital One Venture X Business. If you prefer to earn cash back, consider other Capital One cards.
3. Preferred Introductory Offer
Aside from the Capital One Spark® Classic credit card, all other Capital One business credit cards offer either an introductory 0% APR or a welcome bonus. If you plan to finance a large purchase, consider the Capital One Spark Cash Select for Good Credit, which comes with a 0% introductory APR. If you don’t need the 0% APR, consider the other Capital One business credit cards that offer a sign-up bonus when you meet the purchase requirement.
4. Paying Habits
If you can pay your balance in full every month and have significant annual credit card expenses, you may want to consider a charge card. Capital One Spark Cash Plus and Capital One Venture X Business offer a flexible spending limit but require you to pay your full balance each billing cycle. If you don’t usually pay your balance in full, look for a credit card with a low ongoing APR, such as the Capital One Spark Cash Select for Excellent Credit or Capital One Spark Miles Select for Business.
If you wish to compare a Capital One business card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
Capital One Spark Miles Select for Business: Best for Earning Miles With Sign-up Bonus & $0 Annual Fee
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending of less than $19,000
Intro APR
None
Regular APR
18.49% to 24.49% variable
Annual Fee
$0
Credit Needed
Excellent
- Introductory reward of 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months of opening an account
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- $0 foreign transaction fee
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
None
Regular APR
18.49% to 24.49% variable
Annual Fee
$0
Credit Needed
Excellent
- Introductory reward of 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months of opening an account
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- $0 foreign transaction fee
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Why You Should Consider the Capital One Spark Miles Select for Business
- Unlimited miles with $0 annual fee: Earn unlimited 5x miles on hotel stays and rental car bookings made through Capital One Travel and 1.5x miles on all other business-related purchases with a $0 annual fee.
- bonus_miles_full.
- $0 foreign transaction fees on purchases made outside the United States.
- $0 balance transfer fees: Transfer your balance from another credit card without having to pay balance transfer fees—note that this is subject to APR.
- Flexible redemption options: Redeem your miles for flights, hotels, vacation packages, or as a reimbursement for travel expenses made with your card within 90 days of purchase.
- Miles transfer: Transfer your miles to any of Capital One’s 15-plus travel partners.
Choose the Capital One Spark Miles Select for Business if you:
- Want to earn travel rewards without paying annual fees.
- Frequently make international purchases (you can save on both annual and foreign transaction fees).
It is one of our leading business credit cards for miles because of its straightforward rewards program, $0 annual fee, and flexible redemption options.
Capital One Spark Miles for Business: Best for Earning Premium Miles With Capital One Lounge Access
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BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
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Credit Needed
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- 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, vacation rentals 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
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
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Credit Needed
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- 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, vacation rentals 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
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Why You Should Consider the Capital One Spark Miles for Business
- More miles on regular purchases: Receive 5x miles on hotels and car rental transactions booked through Capital One Travel and 2x miles on all other eligible purchases.
- bonus_miles_full
- Up to $120 travel credit for Global Entry or TSA PreCheck®.
- Lifestyle Collection provides benefits like $50 experience credit, room upgrades when available, and more.
- $0 annual fee for the first year, then pay only $95 per year.
- $0 foreign transaction fees: Pay no foreign transaction fees when you use the card for international purchases.
- $0 balance transfer fees: Pay no balance transfer fees when you transfer your balance from another credit card—pay only the ongoing APR.
- Flexible redemption options: Redeem your miles for flights, hotels, and vacation packages or use them as reimbursement for travel expenses made with your card within 90 days of purchase.
- Miles Transfer: Transfer your miles to any of Capital One’s travel partners
Capital One’s Partners:
- Accor Live Limitless
- Aeromexico Club Premier
- Air France KLM Flying Blue
- Air Canada Aeroplan
- Asia Miles
- Avianca LifeMiles
- British Airways Avios
- Choice Hotels® - Choice Privileges®
- Emirates Skywards
- Etihad Airways - Etihad Guest
- EVA Air Infinity MileageLands
- Finnair Plus
- Qantas Frequent Flyer
- Singapore Airlines - KrisFlyer
- TAP Air Portugal - Miles&Go
- Turkish Airlines - Miles&Smiles
- Virgin Red - Virgin Point
Choose Capital One Spark Miles for Business if you:
- Prefer to earn premium travel rewards on regular purchases and don’t mind paying an annual fee.
- Usually book hotel stays when you travel so you can take advantage of the Lifestyle Collection benefits.
It tops our list of the best business credit cards for miles and is recommended as one of the leading business credit cards for travel because of its premium rewards, low annual fee, and other travel perks. If you prefer to earn miles without paying annual fees, consider the Spark® Miles Select for Business.
Capital One Spark Cash Select for Excellent Credit: Best for Earning Cash Back With Generous Welcome Offer
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BEST FOR:
Businesses with excellent credit that want a lower ongoing APR
Intro APR
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Regular APR
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Credit Needed
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- Earn a $500 bonus when you spend $4,500 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
Pros
- Charges $0 annual, transfer, and foreign transaction fees
- Welcome offer
- With protection against lost or stolen cards
Cons
- No interest-free financing option on purchases or balance transfers
- Requires excellent credit
- May do a hard pull of your credit at application
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
Intro APR
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Credit Needed
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- Earn a $500 bonus when you spend $4,500 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
Pros
- Charges $0 annual, transfer, and foreign transaction fees
- Welcome offer
- With protection against lost or stolen cards
Cons
- No interest-free financing option on purchases or balance transfers
- Requires excellent credit
- May do a hard pull of your credit at application
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
- Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
Why You Should Consider the Capital One Spark Cash Select for Excellent Credit
- Unlimited cash back with $0 annual fee: Receive unlimited 1.5% cash back for your business on every purchase and 5% cash back when booking hotel stays and car rentals through Capital One Travel.
- bonus_miles_full.
- No expiry for cash back, which you can redeem as a statement credit for any amount at any time.
- $0 foreign transaction fees: Pay no additional fees when you use the card for international purchases.
- $0 balance transfer fees: Use the card to transfer your balances from other credit cards without the need to pay balance transfer fees, only APR.
Choose the Capital One Spark Cash Select for Excellent Credit if you:
- Have an excellent credit score and prefer to earn cash back rewards.
- Can spend at least $6,000 in the first three months to take advantage of the welcome offer.
If you don’t have an excellent credit score and want to earn fixed-rate cash back, consider the Capital One Spark Cash Select for Good Credit.
Capital One Spark Cash Select for Good Credit: Best for Earning Cash Back With a 0% APR
card_name
BEST FOR:
Businesses with good credit that want a 0% introductory APR and fixed 1.5% cash back rewards
Intro APR
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Regular APR
reg_apr,reg_apr_type
Annual Fee
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Credit Needed
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- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
Pros
- $0 annual, balance transfer, and foreign transaction fees
- Intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No welcome offer
- High cash advance and penalty APRs
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
Pros
- $0 annual, balance transfer, and foreign transaction fees
- Intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No welcome offer
- High cash advance and penalty APRs
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Why You Should Consider the Capital One Spark Cash Select for Good Credit
- $0 annual fee with unlimited cash back: Earn unlimited 1.5% cash back for your business on every purchase and 5% cash back when booking hotel stays and car rentals through Capital One Travel.
- 0% introductory APR on purchases for the first 12 months of opening an account.
- Cash back has no expiry, and you can redeem your rewards for any amount at any time.
- $0 foreign transaction fees: Use the card for international transactions and pay no extra fees.
- $0 balance transfer fees: Transfer your balance from another credit card and pay no balance transfer fees, only APR.
Choose the Capital One Spark Cash Select for Good Credit if you:
- Have a good credit score and prefer to earn cash back.
- Need to make a large purchase and want to take advantage of the 12-month interest-free financing.
We also recommended this as one of the best business credit cards for self-employed because of its simple rewards program and zero-interest financing period on purchases. However, it lacks a sign-up bonus. If you want to earn a sign-up bonus and you have an excellent credit score, consider the Spark Cash Select for Excellent Credit.
Capital One Spark 1% Classic: Best for Business Owners With Fair Credit Scores
Capital One Spark 1% Classic
BEST FOR:
Those with fair credit
Intro APR
N/A
Regular APR
30.74% variable
Annual Fee
$0
Credit Needed
Fair
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Intro APR
N/A
Regular APR
30.74% variable
Annual Fee
$0
Credit Needed
Fair
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Why You Should Consider the Capital One Spark 1% Classic
- Lenient credit requirement: You only need to have a fair credit score (FICO® Score☉ ranging from 580 to 669) to qualify.
- Credit building capabilities: With consistent responsible use, it can help you build your credit and eventually qualify for a business credit card with better terms.
- Unlimited cash back with $0 annual fee: Receive unlimited 5% cash back on rental cars and hotel bookings made through Capital One Travel, and 1% cash back on all other purchases.
- $0 foreign transaction fees: Use the card for international transactions and pay no foreign transaction fees.
- $0 balance transfer fees: Transfer your balance from another credit card without the extra cost of balance transfer fees—you only need to pay the ongoing balance transfer APR.
Choose the Capital One Spark 1% Classic if you:
- Have a fair credit score and could not qualify for other business credit cards with better terms.
- Want to rebuild your credit score with responsible card usage.
Keep in mind that this card comes with a high APR, so it’s best to budget your finances properly and pay your balance in full each month to save on credit costs. It is our top-recommended business credit card for fair credit.
Capital One Spark Cash Plus: Best for Businesses that Pay In Full & Want No Preset Spending Limit
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BEST FOR:
Businesses that want simple yet generous cash back
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Annual Fee
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Credit Needed
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- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within the first 3 months from account opening
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Intro APR
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Regular APR
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Annual Fee
annual_fees
Credit Needed
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- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within the first 3 months from account opening
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Why You Should Consider the Capital One Spark Cash Plus
- No preset spending limit: Enjoy flexible credit limits that adjust based on your spending behavior, credit record, and payment history.
- Refundable annual fee: The annual fee of $150 can be refunded if you spend at least $150,000 in a year.
- bonus_miles_full.
- Unlimited 2% cash back on everyday purchases and 5% cash back on hotels and rental cars booked through Capital One Travel.
- $0 foreign transaction fees: Use the card for international purchases without paying foreign transaction fees.
Choose the Capital One Spark Cash Plus if you:
- Have sufficient cash on hand to pay your entire balance each billing cycle because this is a pay-in-full card.
- Don’t need to transfer balances from other credit cards because this card does not allow balance transfer transactions.
Due to its flexible spend capacity, the card is also chosen as one of the outstanding high-limit business credit cards. Note that it doesn’t come with an APR since this is a pay-in-full card, and you will be charged a late payment fee of 2.99% of the unpaid portion of your balance.
Capital One Venture X Business: Best Charge Card With Premium Miles on Hotels, Car Rentals & Flights
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BEST FOR:
Those who frequently travel
Intro APR
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- 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 and vacation rentals 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
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
- Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
- Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
- Cell Phone Protection: Get up to $800 in reimbursement if your phone is damaged or stolen, providing added peace of mind.
- Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.
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- 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 and vacation rentals 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
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
- Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
- Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
- Cell Phone Protection: Get up to $800 in reimbursement if your phone is damaged or stolen, providing added peace of mind.
- Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.
Why You Should Consider the Capital One Venture X Business
- Unlimited 2x miles on regular business purchases, 5x miles on flights, and 10x miles on hotels and car rentals booked through Capital One Travel.
- $300 annual credit for bookings through Capital One Travel.
- bonus_miles_full.
- 10,000 bonus miles every year, starting on your first anniversary.
- Priority Pass™: Access a network of 1,300 or more airport lounges worldwide with unlimited free visits for you and up to two guests.
- Capital One Lounge: Enjoy unlimited free visits for you and up to two guests, and pay only $45 per additional guest.
- Up to $120 statement credit every four years for Global Entry or TSA PreCheck® applications.
- Premier Collection: Get a $100 experience credit and other premium benefits when you stay at luxury hotels and resorts from the Premier Collection.
- $0 foreign transaction fees: Pay no additional fees on international purchases.
- Miles Transfer: Transfer your miles to any of Capital One’s 15+ travel partners.
Choose the Capital One Venture X Business if you:
- Travel frequently for business and want to enjoy the mentioned travel perks.
- Can pay your balance in full each month because this is a pay-in-full card.
It’s worth noting that the card comes with a high annual fee of $395. However, its premium rewards and features justify the fee—and you take advantage of those benefits when you travel frequently.
Capital One Bass Pro Shops and Cabela’s CLUB Business Mastercard®: Best for Frequent Bass Pro Shops & Cabela’s Stores Shoppers
Capital One Bass Pro Shops and Cabela’s CLUB Business Mastercard®
BEST FOR:
Those who are owners of outdoor sports businesses
Intro APR
N/A
Regular APR
20.49%, 23.49%, or 32.24% variable on other purchases and transfers
Annual Fee
None
Credit Needed
Excellent
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating Cenex® convenience stores
- 1.5% back in CLUB points on all other purchases
Pros
- Charges $0 annual fees
- Comes with a welcome offer
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Both the low ongoing APR and premium rewards are only limited on purchases made at Bass Pro Shops and Cabela’s
- Offers lmited redemption options
- Payment flexibility: You can choose your preferred monthly due date, letting you control when you want to pay your pending bills.
- Employee cards: Track employee spending by setting customized spending limits and monitoring transactions the moment they are posted.
- Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
Intro APR
N/A
Regular APR
20.49%, 23.49%, or 32.24% variable on other purchases and transfers
Annual Fee
None
Credit Needed
Excellent
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating Cenex® convenience stores
- 1.5% back in CLUB points on all other purchases
Pros
- Charges $0 annual fees
- Comes with a welcome offer
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Both the low ongoing APR and premium rewards are only limited on purchases made at Bass Pro Shops and Cabela’s
- Offers lmited redemption options
- Payment flexibility: You can choose your preferred monthly due date, letting you control when you want to pay your pending bills.
- Employee cards: Track employee spending by setting customized spending limits and monitoring transactions the moment they are posted.
- Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
Why You Should Consider the CLUB Business Mastercard®
- Low ongoing APR and no annual fee: The APR is only 7.99% for purchases at Bass Pro Shops and Cabela’s with a $0 annual fee.
- Premium rewards: Get 5% back in CLUB points at Bass Pro Shops and Cabela’s, 2.5% back in CLUB points at participating Cenex® convenience stores, and 1.5% back in CLUB points on all other purchases.
- $150 in CLUB points when you spend $2,500 within 60 days of account approval.
- Price match: Take advantage of the price match plus 5% less than the prices offered by a local retailer or a qualifying website.
- $0 foreign transaction fees: Use the card anywhere around the world without having to pay foreign transaction fees.
- $0 balance transfer fees: Pay no balance transfer fees when you transfer a balance from another credit card at a regular balance transfer APR.
Choose the Capital One CLUB Business Mastercard® if you:
- Own an outdoor sports business and need to frequently shop at Bass Pro Shops and Cabela’s.
- Prefer to redeem rewards at Bass Pro Shops and Cabela’s exclusively.
It is also one of our top business store cards for outdoor sports businesses. Take note that it has limited redemption options, so if you want other options to redeem points, consider all the other Capital One business credit cards as they offer flexible redemption. Also, the low ongoing APR is only applicable to purchases at Bass Pro Shops and Cabela’s—a higher APR may apply to purchases from other merchants.
Capital One Business Credit Cards Alternatives
Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles® Reserve Business American Express Card
BEST FOR:
Delta SkyMiles® Reserve Business American Express Card
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$650
Credit Needed
Excellent, Good
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Pros
- Premium travel perks
- $0 foreign transaction fee
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 Medallion Qualifying Miles (MQMs) and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight early with Zone 5 Priority Boarding.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$650
Credit Needed
Excellent, Good
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Pros
- Premium travel perks
- $0 foreign transaction fee
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 Medallion Qualifying Miles (MQMs) and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight early with Zone 5 Priority Boarding.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Why we recommend it: You can earn up to 3x miles on your purchases and enjoy generous travel perks. It is ideal for those who prefer to fly with Delta because you can redeem your miles toward flights, seat upgrades, car rentals, merchandise, and gift cards. Note, however, that it charges a high annual fee of $650—so choose this only if you can make use of the perks to justify the high fee.
American Express Business Platinum Card®
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
N/A
Regular APR
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Why we recommend it: You can enjoy luxury travel because this card offers access to more than 1,400 airport lounges worldwide through the Global Lounge Collection, up to $200 airline fee credit, and more. While it charges a high annual fee of $695, you can get over $1,000 in special discounts for selected business tools and up to 5x points on your purchases.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back with long 0% APR period
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.49% - 27.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.49% - 27.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why we recommend it: It comes with 12-month-long interest-free financing on purchases, making it ideal if you plan to make a significant purchase or consolidate your debts from other credit cards. On top of that, you’ll receive up to 5% cash back on your purchases, a $750 welcome offer when you meet the spending requirements, and a $100 annual statement credit on recurring software purchases.
Frequently Asked Questions (FAQs)
To apply for Capital One business credit cards, you need to provide your personal information, including your name, address, and SSN. You also need to provide your business information, including the legal business name, business address, and business tax ID number. To make the application process smoother, ensure that you meet the credit requirements of the card that you are applying for.
According to Capital One’s website, the application process takes about 10 minutes when done online, and you will get a decision in just a few seconds. Make sure to get your requirements ready and that your personal credit score qualifies for the card you choose to avoid any delays in the application process.
No. However, it offers a personal secured credit card, the Capital One Platinum Secured Credit Card, which you can consider if you don’t have a fair credit score and couldn’t qualify for Capital One® Spark® Classic for Business—just ensure to keep your business and personal finances separate. For a minimum of $200 security deposit, you can use the card for your expenses while helping you build your personal credit.
Yes, virtual card numbers are available with Capital One business credit cards. Virtual cards allow you to make safe payments online because you don’t need to expose your actual credit card number, thus providing more security.
Yes, Capital One requires a personal guarantee as part of the application requirements. A personal guarantee means you will be personally liable for your business’s financial obligations in case it fails to pay its debts.
Bottom Line
Capital One business credit cards charge $0 foreign transaction fees, making them excellent choices for business owners who travel frequently. You can choose from cash back, miles, or store-point rewards. There are also two pay-in-full cards available for those who need flexible credit limits.
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