Best Capital One Business Credit Cards
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Capital One has six business credit cards and a cash card—each offers either cash back or travel rewards options. Some provide 0% introductory APR, no annual fees, and sign-up bonuses while others are designed for business owners with low credit scores. The best Capital One business credit card offers rewards and features that are most important for your business.
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Capital One® Spark® Miles for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- 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
N/A
Regular APR
25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good
- Introductory reward worth $500 in travel after you spend $4,500 within the first three months
- 2x miles per $1 spent
- Issue employee cards for free
Pros
- No foreign transaction fees
- TSA PreCheck® or Global Entry application fee credit
Cons
- You’ll pay an annual fee after the first year
- Doesn’t offer interest-free financing
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- 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.
Capital One® Spark® Classic for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Fair credit business owners (580 to 669)
Intro APR
N/A
Regular APR
29.74% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited
- 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
- No annual fee
Cons
- No 0% introductory APR
- No sign-up bonus
- High APR
- Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
- Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.
Intro APR
N/A
Regular APR
29.74% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited
- 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
- No annual fee
Cons
- No 0% introductory APR
- No sign-up bonus
- High APR
- Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
- Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
- Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.
Capital One® Spark® Cash Select Good Credit
BEST FOR:
Businesses with good credit that want a 0% introductory APR
Intro APR
0%
Regular APR
20.24% - 28.24% variable, which adjusts with the prime rate
Annual Fee
$0
Credit Needed
Good
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions
Pros
- No annual fee
- Ability to finance purchases with 0% APR for 12 months
- Free employee cards
Cons
- 0% APR doesn’t apply to balance transfers
- No sign-up bonus
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen cards plus a cash advance
- Roadside assistance: Services like jump-starting, tire changing, and towing
Intro APR
0%
Regular APR
20.24% - 28.24% variable, which adjusts with the prime rate
Annual Fee
$0
Credit Needed
Good
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions
Pros
- No annual fee
- Ability to finance purchases with 0% APR for 12 months
- Free employee cards
Cons
- 0% APR doesn’t apply to balance transfers
- No sign-up bonus
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen cards plus a cash advance
- Roadside assistance: Services like jump-starting, tire changing, and towing
Capital One® Spark® Cash Select Excellent Credit
BEST FOR:
Businesses with excellent credit that want a lower ongoing APR
Intro APR
N/A
Regular APR
16.24%, 19.24%, or 22.24% variable
Annual Fee
None
Credit Needed
Excellent
- Unlimited 5% cash back on hotels and car rentals booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases
Pros
- No annual fee
- $500 sign-up bonus when you spend $4,500 within three months
- Protection against lost or stolen cards
Cons
- No 0% intro APR
- Requires excellent credit
- May do a hard pull of your credit at application
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance
- Roadside assistance: Emergency services such as jump-starting, tire changing, and towing
Intro APR
N/A
Regular APR
16.24%, 19.24%, or 22.24% variable
Annual Fee
None
Credit Needed
Excellent
- Unlimited 5% cash back on hotels and car rentals booked through Capital One Travel
- Unlimited 1.5% fixed-rate cash back on all purchases
Pros
- No annual fee
- $500 sign-up bonus when you spend $4,500 within three months
- Protection against lost or stolen cards
Cons
- No 0% intro APR
- Requires excellent credit
- May do a hard pull of your credit at application
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance
- Roadside assistance: Emergency services such as jump-starting, tire changing, and towing
Capital One® Spark® Cash Plus Card
BEST FOR:
Businesses that want purchasing power and can pay their balances in full every month
Intro APR
None
Regular APR
None. There's no APR because your balance is due in full every month. Otherwise, you'll be charged a 2.99% monthly late fee
Annual Fee
$150
Credit Needed
Excellent
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
- Earn up to $1,000 in the first six months; $500 once you spend $5,000 in the first three months, and $500 once you spend $50,000 in the first six months.
- Earn an annual $200 cash bonus every year you spend $200,000 or more.
Pros
- No preset spending limit
- Up to $1,000 cash bonus
- Unlimited 2% cash back on all purchases
- Opportunity to earn annual cash bonus
Cons
- Requires an annual fee
- Need to pay in full every month
- Requires excellent credit
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance
- Roadside assistance: Emergency services such as jump-starting, tire changing, and towing
Intro APR
None
Regular APR
None. There's no APR because your balance is due in full every month. Otherwise, you'll be charged a 2.99% monthly late fee
Annual Fee
$150
Credit Needed
Excellent
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
- Earn up to $1,000 in the first six months; $500 once you spend $5,000 in the first three months, and $500 once you spend $50,000 in the first six months.
- Earn an annual $200 cash bonus every year you spend $200,000 or more.
Pros
- No preset spending limit
- Up to $1,000 cash bonus
- Unlimited 2% cash back on all purchases
- Opportunity to earn annual cash bonus
Cons
- Requires an annual fee
- Need to pay in full every month
- Requires excellent credit
- $0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
- $0 fraud liability: Advance emergency replacement for lost and stolen card plus cash advance
- Roadside assistance: Emergency services such as jump-starting, tire changing, and towing
Capital One CLUB Business Mastercard®
BEST FOR:
Those who are owners of outdoor sports businesses
Intro APR
N/A
Regular APR
7.99% on purchases made at Bass Pro Shops and Cabela's Either 19.49%, 22.49% or 31.24% variable on other purchases and transfers
Annual Fee
None
Credit Needed
- 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
- Does not charge annual and foreign transaction fees
- Lower APR and premium rewards on purchases made at Bass Pro Shops and Cabela’s
- With sign-up bonus
Cons
- Has no 0% introductory APR
- With high cash advance and penalty APR’s
- Limited 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 set 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®.
- $0 Fraud Liability: You won’t be held responsible for unauthorized charges if either your card’s or employees’ cards are either lost or stolen.
Intro APR
N/A
Regular APR
7.99% on purchases made at Bass Pro Shops and Cabela's Either 19.49%, 22.49% or 31.24% variable on other purchases and transfers
Annual Fee
None
Credit Needed
- 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
- Does not charge annual and foreign transaction fees
- Lower APR and premium rewards on purchases made at Bass Pro Shops and Cabela’s
- With sign-up bonus
Cons
- Has no 0% introductory APR
- With high cash advance and penalty APR’s
- Limited 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 set 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®.
- $0 Fraud Liability: You won’t be held responsible for unauthorized charges if either your card’s or employees’ cards are either lost or stolen.
How to Choose the Right Capital One Business Credit Card
Capital One business credit cards allow you to earn rewards on all your business-related expenses through cash back, travel rewards, and CLUB points. The best Capital One business credit card will depend on your specific business situation and preferences. When considering which card is best for your business, it’s important to identify its unique needs.
Here are four important factors to consider when deciding which Capital One credit card is right for your business:
1. Credit Score
Your credit score will primarily determine what type of Capital One business credit card you can qualify for. If you have fair credit, you would only qualify for the Spark® Classic for Business. If you have good credit, you may qualify for both Spark® Classic and Spark® Cash Select 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 rewards type 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 CLUB Business Mastercard®. If your business requires you to travel frequently, you can choose between Spark® Miles Select for Business and Spark® Miles for Business. If you don’t travel often, consider other Capital One cards or any of the best business credit cards that offer cash back.
3. Preferred Introductory Offer
Aside from the Spark® Classic credit card, all other Capital One business credit cards offer either an introductory 0% APR or a welcome bonus—and the Spark® Miles Select for Business provides both. If you plan to finance a large purchase, a card with a 0% introductory APR allows you to enjoy interest-free financing. If you don’t need the 0% APR, you might benefit more from a card that offers 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 the Spark® Cash Plus because it offers a flexible spending limit. If you don’t usually pay your balance in full, you should look for a credit card that offers a low ongoing APR, such as the Spark® Cash Select Excellent Credit or Spark® Miles Select for Business.
Capital One® Spark® Miles Select for Business: Best Travel Rewards Card With 0% APR & a Sign-up Bonus
Who Is the Capital One® Spark® Miles Select for Business Best For?
Spark® Miles Select for Business is best for business owners who travel frequently, need an interest-free financing period on purchases, and can spend at least $3,000 in the first three months to receive 20,000 bonus miles. You can earn unlimited travel rewards on your purchases without having to pay annual fees and use your miles on flights, hotels, vacation packages, or as cash back in the form of a statement credit or check by mail. You can also transfer miles to any of Capital One’s travel partners.
The card is our best overall travel credit card because of its unlimited rewards, introductory 0% APR, and sign-up bonus. Plus, it doesn’t charge annual fees, balance transfer fees, and foreign transaction fees. This is the only Capital One business credit card that offers both a 0% APR period and a sign-up bonus. If you don’t need the interest-free financing period, you would benefit more from Spark® Miles for Business.
Why We Like the Capital One® Spark® Miles Select for Business
- $0 annual fee: This reduces your credit cost while you earn unlimited travel rewards for every eligible purchase you make.
- Unlimited miles: You can earn unlimited 1.5x miles on all business-related purchases with no blackouts or seat restrictions and no minimum to redeem. Plus, earn 5x on hotels and car rentals booked through Capital One Travel.
- 20,000 bonus miles: You receive a welcome bonus of 20,000 miles once you spend $3,000 on purchases within the first three months of card ownership.
- 0% introductory APR on purchases: Take advantage of interest-free financing for nine months if you plan to make a large purchase.
- No balance transfer and foreign transaction fees: You won’t be charged fees for balance transfers or foreign transactions on purchases made outside of the United States.
What’s Missing From the Capital One® Spark® Miles Select for Business
The 0% introductory APR offered by the Spark® Miles Select for Business doesn’t apply to balance transfers. The balance transfer APR, which ranges from 14.24% to 24.24%, will apply as soon as your transaction is approved. This is a drawback if you plan to transfer a balance from your other credit cards.
Capital One® Spark® Miles for Business: Best for Earning Unlimited Premium Travel Rewards
Who Is the Capital One® Spark® Miles for Business Best For?
Spark® Miles for Business is best for business owners who travel frequently, want to earn unlimited premium travel rewards, and don’t need an interest-free financing period. This small business credit card is also an excellent option if you can spend at least $4,500 on purchases within the first three months to earn 50,000 bonus miles.
It’s our overall best business credit card for airline miles because it offers 2x miles on all business purchases and 5x miles when you book with Capital One Travel for hotel stays and rental cars. It comes with a low annual fee of $95, which is waived for the first year and doesn’t charge a foreign transaction fee and balance transfer fee. However, if you need to make a large purchase and take advantage of 0% APR, Spark® Miles Select for Business is a better option.
Why We Like the Capital One® Spark® Miles for Business
- Unlimited miles: Earn unlimited 2x miles on all business-related purchases with no blackouts or seat restrictions. When you book hotel stays and car rentals through Capital One Travel, you can earn 5x miles.
- 50,000 bonus miles: Receive a sign-up bonus of 50,000 miles after spending $4,500 on purchases within the first three months of card ownership.
- $100 travel credit: Earn up to $100 credit for Global Entry or TSA PreCheck® when you pay the application fee using your card. This feature is unavailable with the Spark® Miles Select for Business.
- No annual fee for the first year: The $95 annual fee is waived for the first year.
- No balance transfer and foreign transaction fees: Transfer a balance from another credit card and use this card when traveling abroad without having to pay additional fees.
What’s Missing From the Capital One® Spark® Miles for Business
Unlike Spark® Miles Select for Business, Spark® Miles for Business doesn’t offer an ongoing $0 annual fee. It also doesn’t offer a 0% introductory APR on purchases or balance transfers. This may be a disadvantage for those planning to make a big purchase or transferring a balance from another credit card.
Capital One® Spark® Classic for Business: Best for Building Business & Personal Credit
Who Is the Capital One® Spark® Classic for Business Best For?
If you have a fair credit score, the Spark® Classic for Business can help you build and strengthen your credit if you use it responsibly. It comes with no annual fee and offers unlimited 1% cash back on all business-related purchases regardless of spending categories. You can also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
This card is great for business owners with personal credit scores between 580 and 669, making it the best business credit card for fair credit. If your credit score is above 669, you may want to consider other Capital One cash back credit cards, such as the Spark® Cash Select Good Credit and Spark® Cash Select Excellent Credit.
Why We Like the Capital One® Spark® Classic for Business
- $0 annual fee: This allows you to enjoy cash back rewards on your purchases without the additional cost.
- Only requires fair credit: Business owners with fair credit can qualify for this card.
- Can help build credit: You build your credit if you use your card responsibly and consistently pay your balances on time.
- Unlimited 1% cash back: You can earn this for your business on every purchase, without expiry and category restrictions.
What’s Missing From the Capital One® Spark® Classic for Business
Spark® Classic for Business doesn’t offer a 0% introductory rate on purchases or balance transfers. It’s important to note that it comes with a high APR of 26.99%, so it’s best to pay your balances in full every month to avoid paying this high interest rate. Also, it doesn’t have a welcome bonus, and the 1% cash back reward it offers is lower compared to the rewards offered by the other Capital One business credit cards.
Capital One® Spark® Cash Select Good Credit: Best for Cash Back Credit Card With a 0% APR
Who Is the Capital One® Spark® Cash Select Good Credit Best For?
The Spark® Cash Select Good Credit card is best for business owners with good credit who prefer to earn cash back and need an interest-free financing period. If you need to make a big purchase, you can take advantage of its 0% introductory rate for 12 months. Plus, it doesn’t charge an annual fee. You can earn unlimited 1.5% cash back on all purchases with no category restrictions and redeem your cash back rewards anytime with no expiration.
We also recommended this as a business credit card for self-employed because of its simple rewards program and zero-interest financing period. It’s important to note that it doesn’t offer a sign-up bonus. If you have an excellent credit score, you may qualify for the Spark® Cash Select Excellent Credit, which even has a welcome bonus.
Why We Like the Capital One® Spark® Cash Select Good Credit
- $0 annual fee: This lets you enjoy its unlimited rewards without an extra cost.
- Only requires good credit: Business owners who don’t have excellent credit can still qualify.
- Unlimited 1.5% cash back: You don’t need to monitor your spending categories because you can earn unlimited 1.5% cash back rewards on all business-related purchases.
- 0% introductory APR: You can take advantage of the introductory rate on purchases for the first 12 months after you open an account, which is beneficial if you plan to make a large purchase.
What’s Missing From the Capital One® Spark® Cash Select Good Credit
Spark® Cash Select Good Credit doesn’t offer a sign-up bonus. Also, its 0% introductory APR only applies to purchases and not to balance transfers. Keep in mind that the ongoing APR, ranging from 16.24% to 24.24%, is slightly higher than the Spark® Cash Select Excellent Credit card.
Capital One® Spark® Cash Select Excellent Credit: Best Cash Back Card With a Sign-up Cash Bonus
Who Is the Capital One® Spark® Cash Select Excellent Credit Best For?
Spark® Cash Select Excellent Credit is best for business owners with excellent credit scores who can spend at least $4,500 on purchases within the first three months to earn a $500 sign-up bonus. You can receive unlimited 1.5% cash back on all purchases and 5% cash back when you book your hotel stays and car rentals through Capital One Travel.
It comes with an annual fee and a low starting APR of 13.49%. Keep in mind, however, that this card doesn’t offer an introductory 0% APR. If you need a 0% APR period, you may want to consider applying for a Spark® Cash Select Good Credit or Spark® Miles Select for Business card instead.
Why We Like the Capital One® Spark® Cash Select Excellent Credit
- $0 annual fee: You can save on your overall financing cost because you don’t have to pay annual fees.
- $500 cash bonus: You can earn this after spending $4,500 on purchases within the first three months of opening an account.
- Unlimited 1.5% cash back: You can earn unlimited 1.5% cash back rewards on all business-related purchases, regardless of expense categories.
- Low ongoing APR: Compared to other Capital One business credit cards, this card offers a low ongoing APR that ranges from 13.49% to 19.49%.
What’s Missing From the Capital One® Spark® Cash Select Excellent Credit
The Capital One® Spark® Cash Select Excellent Credit card doesn’t provide a 0% introductory APR on either purchases or balance transfers, which is a disadvantage for those who need interest-free financing. If you need to make a large purchase, you may consider the Spark® Miles Select for Business, Spark® Cash Select Good Credit, or any of the best business credit cards with a 0% APR period.
Capital One® Spark® Cash Plus: Best Charge Card With Unlimited Premium Cash Back Rewards
Who Is the Capital One® Spark® Cash Plus Best For?
Capital One® Spark® Cash Plus is best for business owners with excellent credit who need a flexible credit limit and can pay their balance in full each month. It offers unlimited 2% cash back on all business-related purchases, and you can earn up to a $1,000 cash bonus when you meet the spending requirements. Also, it doesn’t have preset spending limits because your credit limit adapts to your needs based on your spending behavior, payment history, and credit profile.
Note that this is a pay-in-full card—it doesn’t have an APR because your balance is due in full every billing cycle. If you think your cash flow is insufficient to make full monthly payments, it’s best to find other regular business credit cards that allow you to carry a balance with interest.
Why We Like the Capital One® Spark® Cash Plus
- Unlimited 2% cash back: You can earn this on all purchases—and it’s the highest cash back offer among all Capital One business credit cards.
- No preset credit limit: Your spending limit is flexible, which gives you purchasing power that adapts to your business’s needs.
- Up to $1,000 cash bonus: You can earn a $500 cash bonus after you spend $5,000 in the first three months and another $500 when you spend $50,000 in the first six months.
- $200 annual cash bonus: You can receive a $200 annual cash bonus when your expenses reach $200,000 or more.
What’s Missing From the Capital One® Spark® Cash Plus
Unlike most of the business credit cards from Capital One, Spark® Cash Plus lacks a $0 annual fee. Instead, it charges $150 annually—the highest among all other cards on this list. It also doesn’t have an interest-free financing period, and you’re required to pay your balances in full every month. It’s also worth noting that balance transfers and cash advances aren’t allowed.
Capital One CLUB Business Mastercard®: Best for Frequent Shoppers at Bass Pro Shops & Cabela’s Stores
Who Is the Capital One® CLUB Business Mastercard® Best For?
Capital One CLUB Business Mastercard® is best for business owners of outdoor sports businesses and those who shop frequently at Bass Pro Shops and Cabela’s. You can earn 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.
It’s important to note that you can only use your rewards to make purchases at Bass Pro Shops and Cabela’s, including their online stores, and at their merchandising subsidiaries in the United States—and rewards cannot be redeemed for cash or as a statement credit. If you don’t need to shop at these stores, consider other Capital One business credit cards.
Why We Like the Capital One® CLUB Business Mastercard®
- No annual fee: You can enjoy earning rewards on your purchases without having to pay annual fees.
- Special APR on purchases at Bass Pro Shops and Cabela’s: You can take advantage of the lower APR on purchases at Bass Pro Shops and Cabela’s compared to the regular APR for other purchases.
- Price match feature: If a local retailer or qualifying website offers a lower price than the price offered by Bass Pro Shops and Cabela’s, CLUB Business Mastercard® will beat the price by 5% for CLUB members.
- Sign-up bonus: It offers up to $150 in CLUB points when you meet the spending requirements, which you can use toward free gear at Bass Pro Shops and Cabela’s.
What’s Missing From the Capital One® CLUB Business Mastercard®
The Capital One® CLUB Business Mastercard® doesn’t have a 0% introductory APR period on both balance transfers and purchases. Also, it lacks flexible redemption options—rewards can only be redeemed for purchases at Bass Pro Shops and Cabela’s and their merchandising subsidiaries.
Bottom Line
Capital One has a variety of business credit cards, including cash back, travel, below-excellent credit, and pay-in-full business cards. Some Capital One business cards provide you access to no-interest financing, while others offer lucrative sign-up cash bonuses. They each carry different annual fees, introductory and ongoing APRs, and rewards. The best Capital One business card for your business depends on its unique circumstances and needs.
If none of these cards fit the bill, visit our Credit Card Marketplace and check out our guide to the best small business credit cards to find one.
