Editorial and Partnership DisclosureFit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
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 seven 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
- 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
- Capital One Spark Miles Select for Business: Best for Earning Miles With Sign-up Bonus & $0 Annual Fee
- Capital One Spark Miles for Business: Best for Earning Premium Miles With Capital One Lounge Access
- Capital One Spark Cash Select: Best for Earning Cash Back With Generous Welcome Offer
- Capital One Spark 1% Classic: Best for Business Owners With Fair Credit Scores
- Capital One Spark Cash Plus: Best for Businesses that Pay In Full & Want No Preset Spending Limit
- Capital One Venture X Business: Best Charge Card With Premium Miles on Hotels, Car Rentals & Flights
- Capital One Bass Pro Shops and Cabela’s CLUB Business Mastercard®: Best for Frequent Bass Pro Shops & Cabela’s Stores Shoppers
- Capital One Business Credit Cards Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
Overview of the Capital One Business Credit Cards
| 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 | 50,000 bonus milesAfter spending $4,500 in the first 3 months | Up to 5x miles• 5x miles on hotels and rental cars booked through Capital One Travel • 1.5x miles on all purchases | Excellent | Apply now |
 Capital One Spark Miles for Business | Earning premium miles with Lifestyle Collection benefits | annual_fees | bonus_milesAfter spending $4,500 in the first 3 months | Up to 5x miles• 5x miles on hotels and rental cars booked through Capital One Travel • 2x miles on all purchases | Excellent | Learn more |
 Capital One Spark Cash Select | Earning cash back with generous welcome offer | $0 | bonus_miles_full | Up to 5% cash back• 5% cash back on hotels and rental cars booked through Capital One Travel • 1.5% cash back on other purchases | Excellent | Learn more |
 Capital One Spark 1% Classic | Business owners with fair credit scores | $0 | None | Up to 5% cash back• 5% cash back on hotels and rental cars booked through Capital One Travel • 1% cash back on other purchases | Fair | Apply now |
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 | bonus_milesOnce you spend $30,000 in the first 3 months | Up to 5% cash back• 5% cash back on hotels and rental cars booked through Capital One Travel • 2% cash back on other purchases | Excellent | Learn more |
 Capital One Venture X Business | Charge card with premium miles on hotels, car rentals, and flights | $395 | bonus_milesOnce you spend $30,000 in the first 3 months from account opening | Up to 10x miles• 10x miles on hotels and rental cars • 5x miles on flights • 2x miles on everything else | Excellent | Learn more |
 Bass Pro Shops and Cabela's CLUB Business Mastercard® | Frequent Bass Pro shops and Cabela’s stores shoppers | $0 | $100 in CLUB Pointsafter spending $1,000 within 60 days | Up to 5% back in CLUB Points• 5% back in CLUB Points at Bass Pro Shops & Cabela’s • 2.5% back in CLUB Points at participating Cenex® convenience stores • 1.5% back in CLUB Points on other purchases | Excellent | Apply now |
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
| Intro APR | None |
|---|---|
| Regular APR | 17.49% to 23.49% variable |
| Annual Fee | $0 |
| Credit Needed | Excellent |
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).
Capital One Spark Miles for Business: Best for Earning Premium Miles With Capital One Lounge Access
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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.
- 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 partnersCapital 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: Best for Earning Cash Back With Generous Welcome Offer
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
Why You Should Consider the Capital One Spark Cash Select
- 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.
Choose the Capital One Spark Cash Select 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 1% Classic: Best for Business Owners With Fair Credit Scores
| Intro APR | N/A |
|---|---|
| Regular APR | 29.99% variable |
| Annual Fee | $0 |
| Credit Needed | Fair |
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.
Capital One Spark Cash Plus: Best for Businesses that Pay In Full & Want No Preset Spending Limit
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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.
Capital One Venture X Business: Best Charge Card With Premium Miles on Hotels, Car Rentals & Flights
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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.
Capital One Bass Pro Shops and Cabela’s CLUB Business Mastercard®: Best for Frequent Bass Pro Shops & Cabela’s Stores Shoppers
| 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 |
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.
Capital One Business Credit Cards Alternatives
Delta SkyMiles® Reserve Business American Express Card
| Intro APR | N/A |
|---|---|
| Regular APR | 19.49% - 28.49% Variable |
| Annual Fee | $650 |
| Credit Needed | Excellent, Good |
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®
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
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 Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
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 introductory bonus 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.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards mentioned in this article, reference the following links below:
American Express The Business Platinum Card®
