Best Capital One Business Credit Cards of 2023
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.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
Capital One has business credit cards, a cash card, and a secured card—each offers cash back or travel rewards options. Some provide 0% introductory annual percentage rate (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.
Here are the eight business credit cards from Capital One:
- Spark® Miles Select for Business: Best travel rewards card with 0% APR and a sign-up bonus
- Spark® Miles for Business: Best for earning unlimited premium travel rewards
- Spark® Cash Plus: Best charge card with unlimited premium cash back rewards
- Spark® Cash Select Excellent Credit: Best cash back card with a sign-up cash bonus
- Spark® Cash Select Good Credit: Best for cash back credit card with a 0% APR
- CLUB Business Mastercard®: Best for frequent Bass Pro Shops and Cabela’s shoppers
- Spark® Classic for Business: Best for improving business and personal credit
- Platinum Secured Credit Card: Best for rebuilding credit scores
Capital One Business Credit Cards At A Glance
Best For | Annual Fee | Credit Score Needed | ||
|---|---|---|---|---|
 Spark® Miles Select for Business | Best Travel Rewards Card With 0% APR and a Sign-up Bonus | None | Good to Excellent | |
 Spark® Miles for Business | Best for Earning Unlimited Premium Travel Rewards | 95, waived for the first year | Good to Excellent | |
 Spark® Cash Plus | Best Charge Card With Unlimited Premium Cash Back Rewards | $150 | Excellent | |
 Spark® Cash Select Excellent Credit | Best Cash Back Card With a Sign-up Cash Bonus | None | Excellent | |
 Spark® Cash Select Good Credit | Best for Cash Back Credit Card With a 0% APR | None | Good to Excellent | |
 CLUB Business Mastercard® | Best for Frequent Bass Pro Shops and Cabela’s Stores Shoppers | None | Undisclosed | |
 Spark® Classic for Business | Best for Improving Business and Personal Credit | None | Fair | |
 Platinum Secured Credit Card | Best for Rebuilding Credit Scores | None | No credit needed |
When considering which card is best for your business, it’s important to identify 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 are looking into rebuilding your credit scores, you can qualify for Platinum Secured Credit Card. 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 for Business 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. Alternatively, if you want to control your business expenses, consider the Platinum Secured Credit Card since your security deposit determines your credit limit. If you don’t usually pay your balance in full, you should look for a credit card with a low ongoing APR, such as the Spark® Cash Select Excellent Credit or Spark® Miles Select for Business.
If Capital One doesn’t have the business credit card that you need, you can review our list of the best Chase business credit cards.
Capital One® Spark® Miles Select for Business: Best Travel Rewards Card With 0% APR & a Sign-up Bonus
Capital One® Spark® Miles Select 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:
Travel rewards and annual spending less than $19,000
Intro APR
0% on purchases
Regular APR
18.74% to 28.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- 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
0% on purchases
Regular APR
18.74% to 28.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- 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.
When To Consider Getting the Capital One® Spark® Miles Select for Business
Spark® Miles Select for Business is best for those who travel frequently, need an interest-free financing period on purchases, and want to earn travel rewards. You can earn unlimited travel rewards on your purchases without paying annual fees and use your miles on flights, hotels, and 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.
It’s our leading travel business credit card because of its unlimited rewards, introductory 0% APR, and sign-up bonus. Plus, it doesn’t charge annual, balance transfer, and foreign transaction fees.
Note that 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 16.99% to 26.99%, 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. Moreover, its interest-free financing option offered on purchases is shorter than other travel business credit cards.
Consider Spark® Cash Select Good Credit as it offers a longer 0% introductory APR period on purchases, has fixed-rate rewards, and doesn’t charge annual fees. If you prefer not to be charged interest rates but still want to earn rewards, consider Spark® Cash Plus, a pay-in-full card that requires you to pay the full balance each billing cycle. If you need to do balance transfers, see our roundup of the best business credit card balance transfer offers.
Capital One® Spark® Miles for Business: Best for Earning Unlimited Premium Travel Rewards
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
25.74% (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
- $100 credit for Global Entry or TSA Pre✓
- 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
25.74% (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
- $100 credit for Global Entry or TSA Pre✓
- 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.
When To Consider Getting the Capital One® Spark® Miles for Business
Spark® Miles for Business is best for those 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 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. Moreover, it doesn’t charge foreign transaction and balance transfer fees. Finally, you can 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.
Consider getting the Spark® Miles Select for Business if you need an introductory APR period on purchases, are interested in earning unlimited travel rewards, and want annual, foreign transaction, and balance transfer fees waived for life.
Capital One® Spark® Cash Plus: Best Charge Card With Unlimited Premium Cash Back Rewards
Capital One® Spark® Cash Plus Card
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:
Businesses that want purchasing power and can pay their balances in full every month
Intro APR
None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.
Regular APR
None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.
Annual Fee
$150
Credit Needed
Excellent
- Earn up to $1,000 in the first six months after opening an account—$500 after you spend $5,000 in the first three months and $500 after you spend $50,000 in the first six months.
- 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.
- You can earn a $200 cash bonus each year after spending a minimum of $200,000 in net purchases by your rewards membership anniversary.
Pros
- Does not have preset spending limits
- With introductory bonus
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- 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
None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.
Regular APR
None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.
Annual Fee
$150
Credit Needed
Excellent
- Earn up to $1,000 in the first six months after opening an account—$500 after you spend $5,000 in the first three months and $500 after you spend $50,000 in the first six months.
- 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.
- You can earn a $200 cash bonus each year after spending a minimum of $200,000 in net purchases by your rewards membership anniversary.
Pros
- Does not have preset spending limits
- With introductory bonus
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- 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.
When To Consider Getting the Capital One® Spark® Cash Plus
Spark® Cash Plus is ideal if you have excellent credit, need a flexible credit limit, and can pay your 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.
Consider getting the Spark® Cash Select Good Credit as it only requires you to have Good Credit to qualify and doesn’t charge annual fees. Spark® Cash Plus charges an annual fee of $150—the highest among all other cards on this list.
If you’re in need of an interest-free financing option, then consider getting the Spark® Miles Select for Business. It offers an introductory APR period on purchases, unlimited travel rewards, and waived annual, foreign transaction, and balance transfer fees for life.
Capital One® Spark® Cash Select Excellent Credit: Best Cash Back Card With a Sign-up Cash Bonus
Capital One® Spark® Cash Select Excellent Credit
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:
Businesses with excellent credit that want a lower ongoing APR
Intro APR
N/A
Regular APR
17.99%, 20.99%, or 23.99% 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, transfer, and foreign transaction fees
- With sign-up bonus
- With protection against lost or stolen cards
Cons
- No interest-free financing option on both purchases and balance transfers
- Needs excellent credit
- May do a hard pull of your credit when at application
- With high cash advance and penalty interest rates
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- 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
N/A
Regular APR
17.99%, 20.99%, or 23.99% 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, transfer, and foreign transaction fees
- With sign-up bonus
- With protection against lost or stolen cards
Cons
- No interest-free financing option on both purchases and balance transfers
- Needs excellent credit
- May do a hard pull of your credit when at application
- With high cash advance and penalty interest rates
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
- Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards.
- Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
- 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
When To Consider Getting the Capital One® Spark® Cash Select Excellent Credit
Spark® Cash Select Excellent Credit is ideal for those 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 booking hotel stays and car rentals through Capital One Travel.
If you need a 0% APR period, consider Spark® Cash Select Good Credit or Spark® Miles Select for Business, although both require at least good credit to qualify. Alternatively, you can check our list of the best business credit cards with a 0% APR period.
Capital One® Spark® Cash Select Good Credit: Best for Cash Back Credit Card With a 0% APR
Capital One® Spark® Cash Select Good Credit
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:
Businesses with good credit that want a 0% introductory APR and fixed 1.5% cash back rewards
Intro APR
0%
Regular APR
20.74%, 25.74%, or 28.74% variable
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, balance transfer, and foreign transaction fees
- With intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No sign-up bonus for their new cardholders
- With 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
0%
Regular APR
20.74%, 25.74%, or 28.74% variable
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, balance transfer, and foreign transaction fees
- With intro 0% APR on purchases
- Free employee cards
Cons
- No intro 0% APR on balance transfers
- No sign-up bonus for their new cardholders
- With 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®
When To Consider Getting the Capital One® Spark® Cash Select Good Credit
Spark® Cash Select Good Credit is a good option if you have good credit, 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. However, its 0% introductory APR only applies to purchases and not to balance transfers. It also lacks a sign-up bonus.
If you have an excellent credit score, you may qualify for the Spark® Cash Select Excellent Credit, as it offers a sign-up bonus on top of a lower ongoing APR. Another option is the Spark® Cash Plus, which also requires you to have an excellent credit score. It gives you a flexible credit limit since it requires you to pay your balances in full each month.
Capital One CLUB Business Mastercard®: Best for Frequent Bass Pro Shops & Cabela’s Stores Shoppers
Capital One CLUB Business Mastercard®
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:
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
- Doesn’t 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
- Doesn’t 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.
When To Consider Getting the Capital One® CLUB Business Mastercard®
CLUB Business Mastercard® is best for those who manage outdoor sports businesses and those who shop at Bass Pro Shops and Cabela’s frequently. 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.
CLUB Business Mastercard® doesn’t have a 0% introductory APR period on 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.
Consider getting Spark® Cash Select Good Credit for its long interest-free financing option—it offers 0% introductory APR on purchases for the first 12 billing cycles. You may also be interested in the Spark® Classic for Business if your credit score is between 580 and 669, as it can help improve your personal and business credit scores while earning rewards.
Alternatively, you can get Spark® Cash Plus with excellent credit, which offers 2% cash back on all business-related purchases and doesn’t have an ongoing APR. However, you’re required to pay your balance in full each month.
Capital One® Spark® Classic for Business: Best for Improving Business & Personal Credit
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:
Those with fair credit
Intro APR
N/A
Regular APR
29.99% (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 sign-up bonus
- 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
29.99% (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 sign-up bonus
- 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.
When To Consider Getting the Capital One® Spark® Classic for Business
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 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.
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.
If you’re only starting to build your business credit, consider the Platinum Secured Credit Card, as you won’t need your existing business credit score to qualify. Note that you’ll only have to make a minimum security deposit of $49 to qualify for an initial credit limit of $200.
Capital One® Platinum Secured Credit Card: Best for Rebuilding Credit Score
Capital One® Platinum Secured
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:
Rebuilding your personal credit
Intro APR
N/A
Regular APR
29.74% Variable
Annual Fee
None
Credit Needed
N/A
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the three major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
Pros
- Doesn’t charge annual fees
- Requires only a minimum security deposit of $49 to get a credit line of $200
- Offers installments for the security deposit
- Reports to the three major credit bureaus and helps build your credit
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Requires a bank account to qualify
- Has no rewards for new and existing cardholders
- Review credit score via CreditWise®: Capital One offers unlimited access to CreditWise®, which lets you track your credit score in real time. Available for iOS and Android users, it will give you credit reports from TransUnion® or Experian® and personalized suggestions to help improve your credit score.
- $0 fraud liability: You won’t be held responsible for unauthorized charges if your card is lost or stolen.
- Emergency card replacement: If your card is lost or stolen, you can get an emergency replacement card.
- Account alerts via Eno: You can receive an alert if Capital One detects a potential mistake or unexpected charge, such as a potential duplicate purchase or a recurring bill increase.
Intro APR
N/A
Regular APR
29.74% Variable
Annual Fee
None
Credit Needed
N/A
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the three major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
Pros
- Doesn’t charge annual fees
- Requires only a minimum security deposit of $49 to get a credit line of $200
- Offers installments for the security deposit
- Reports to the three major credit bureaus and helps build your credit
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Requires a bank account to qualify
- Has no rewards for new and existing cardholders
- Review credit score via CreditWise®: Capital One offers unlimited access to CreditWise®, which lets you track your credit score in real time. Available for iOS and Android users, it will give you credit reports from TransUnion® or Experian® and personalized suggestions to help improve your credit score.
- $0 fraud liability: You won’t be held responsible for unauthorized charges if your card is lost or stolen.
- Emergency card replacement: If your card is lost or stolen, you can get an emergency replacement card.
- Account alerts via Eno: You can receive an alert if Capital One detects a potential mistake or unexpected charge, such as a potential duplicate purchase or a recurring bill increase.
When To Consider Getting the Capital One® Platinum Secured Credit Card
Platinum Secured Credit Card is a great option for those who are unqualified to get an unsecured business credit card and wish to rebuild their business credit. It has a high ongoing APR of 29.74%—the highest among Capital One business credit cards. It also only requires a minimum security deposit of $49 to open an account with an initial credit limit of $200.
As a secured business credit card, it reports to the three major credit bureaus, making it easier to rebuild your credit score. Note that you’ll need a Capital One bank account to qualify and that this card doesn’t offer any rewards.
Given how this card lacks rewards and is best suited for those rebuilding their credit scores, you may check our lists of the best secured business credit cards and leading business credit cards for bad credit if you want a card that suits your business needs better.
See our lists of the best small business credit cards for additional cards.
Bottom Line
Capital One has a variety of business credit cards, including cash back, travel, below-excellent credit, pay-in-full, and secured. Some Capital One business cards provide access to no-interest financing, while others offer lucrative sign-up cash bonuses and opportunities to help improve your business credit score. Each carries 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.
