Best Capital One Business Credit Cards of 2023
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 seven business credit cards with straightforward rewards in the form of cash back or miles. The best Capital One business credit card depends on your rewards preference and personal credit score. When choosing which is right for you, consider the features that are most important for your business. 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 business credit cards from Capital One:
- Spark® Miles Select for Business: Best for earning travel rewards with sign-up bonus and no annual fee
- Spark® Miles for Business: Best for unlimited premium travel rewards with sign-up bonus
- Spark® Cash Plus: Best for businesses that pay in full and want no preset spending limit
- Spark® Cash Select Excellent Credit: Best for fixed-rate cash back with sign-up bonus
- Spark® Cash Select Good Credit: Best for fixed-rate cash back with a 0% annual percentage rate (APR)
- Spark® Classic for Business: Best for business owners with fair credit scores
- CLUB Business Mastercard®: Best for frequent Bass Pro shops and Cabela’s stores shoppers
Overview of Capital One Business Credit Cards
Best For | Annual Fee | Welcome Offer | Ongoing Rewards | Key Features | |
|---|---|---|---|---|---|
 Capital One Spark® Miles Select for Business | Earning travel rewards with sign-up bonus and no annual fee | $0 | 50,000 miles after spending $4,500 in three months |
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Credit Needed: Excellent | |||||
 Capital One Spark® Miles for Business | Earning unlimited premium travel rewards with sign-up bonus | $0 intro for the first year; $95 after that | 50,000 miles after spending $4,500 in three months |
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Credit Needed: Excellent | |||||
 Capital One Spark® Cash Plus | Businesses that pay in full and want a flexible credit limit | $150 | $1,200 cash bonus after spending $30,000 in three months |
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Credit Needed: Excellent | |||||
 Capital One Spark® Cash Select Excellent Credit | Earning fixed-rate cash back with sign-up bonus | $0 | $500 cash bonus after spending $4,500 in three months |
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Credit Needed: Excellent | |||||
 Capital One Spark® Cash Select Good Credit | Earning fixed-rate cash back with a 0% APR | $0 | None |
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Credit Needed: Good | |||||
 Capital One Spark® Classic for Business | Business owners with fair credit scores | $0 | None |
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Credit Needed: Fair | |||||
 Capital One CLUB Business Mastercard® | Frequent Bass Pro shops and Cabela’s stores shoppers | $0 | $75 in CLUB Points after spending $1,000 within 60 days |
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Credit Needed: Excellent | |||||
If Capital One does not have the business credit card that you need, you can review our lists of the best Chase business credit cards and top U.S. Bank business credit cards.
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 and are looking into rebuilding your credit score, you can qualify for the Capital One Spark® Classic for Business. If you have good credit, you may also qualify for Capital One 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 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 Capital One CLUB Business Mastercard®. If your business requires you to travel frequently, you can choose between the Capital One Spark® Miles Select for Business and Capital One Spark® Miles for 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 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 offers a flexible spending limit but requires 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 Excellent Credit or Capital One Spark® Miles Select for Business.
To see how these cards stack up against others we reviewed on our site, click Add to Compare on the card below and choose up to two additional cards for comparison.
Capital One® Spark® Miles Select for Business: Best for Travel Rewards With Sign-up Bonus & No Annual Fee
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending less than $19,000
Intro APR
None
Regular APR
17.99% to 23.99% (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
None
Regular APR
17.99% to 23.99% (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.
Who Should Consider the Spark® Miles Select for Business
The card is best for those who travel frequently, have excellent credit scores, and don’t want to pay an annual fee. You can 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. Plus, you’ll receive 50,000 bonus miles when you spend $4,500 in the first three months after opening an account.
Other Benefits of Spark® Miles Select for Business
- Flexible redemption options: Use your miles to book flights, hotels, and vacation packages. You can also get reimbursed 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.
- 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 Points
- Low ongoing APR: Enjoy lower ongoing APR (compared to most other Capital One business credit cards) when you carry your balance to the next billing cycle.
- No foreign transaction fees: Use the card for international purchases when you travel without paying extra fees.
- No balance transfer fees: Transfer your balance from another credit card without having to pay balance transfer fees. Note that this is subject to APR.
Capital One® Spark® Miles Select for Business is also one of our leading business credit cards for travel because of its straightforward rewards program. If you prefer to earn more miles on regular purchases, consider the Spark® Miles for Business.
Capital One® Spark® Miles for Business: Best for Earning Unlimited Premium Travel Rewards With Sign-up Bonus
Capital One® Spark® Miles for Business
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.
Who Should Consider the Spark® Miles for Business
This card is a great choice if you travel frequently, have excellent credit, and want to earn more rewards on regular purchases. It offers 5x miles on hotels and car rental transactions booked through Capital One Travel, and 2x miles on all other eligible purchases. The higher reward points justify the $95 annual fee, which is waived for the first year. Also, you’ll get 50,000 bonus miles if you can spend at least $4,500 within the first three months of card ownership.
Other Benefits of Spark® Miles for Business
- Travel credit: Receive up to $100 travel credit for Global Entry or TSA PreCheck® every four years.
- Flexible redemption options: Redeem your miles for flights, hotels, and vacation packages or use them 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 travel 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 Points
- No foreign transaction fees: Pay no foreign transaction fees when you use the card for international purchases.
- No balance transfer fees: Pay no balance transfer fees when you transfer your balance from another credit card—pay only the ongoing APR.
- Capital Lounge access: Get up to two free Capital Lounge visits per year and enjoy luxurious amenities, local food, and beverage options.
Capital One® Spark® Miles for Business tops our list of the best business credit cards for miles because of its premium rewards, low annual fee, and other travel perks. If you prefer not to pay annual fees, consider the Spark® Miles Select for Business.
Capital One® Spark® Cash Plus: Best for Businesses that Pay In Full & Want a Flexible Credit Limit
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, 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.
Who Should Consider the Spark® Cash Plus
Capital One® Spark® Cash Plus is ideal if you have excellent credit, need a flexible credit limit, and have sufficient monthly working capital. It offers unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and 2% cash back on all business-related purchases. Since it is a charge card, you need to pay your full balance every month. But the good news is that it doesn’t have preset spending limits—your credit limit adapts to your needs based on your spending behavior, payment history, and credit profile.
Other Benefits of Spark® Cash Plus
- Lucrative sign-up bonus: Earn a $1,200 cash bonus when you spend $30,000 in the first three months.
- Annual fee refund: Spend at least $150,000 in a year and get your $150 annual fee refunded.
- No foreign transaction fees: Use the card for international purchases without paying foreign transaction fees.
Capital One® Spark® Cash Plus is one of our top instant approval business cards because of its quick approval process. Note that it doesn’t come with an APR since this is a pay-in-full card, and you will be charged a late payment fee of 2.99% of the unpaid portion of your balance. Also, balance transfers are not allowed. If you need to transfer your balance from another credit card, choose a different Capital One business credit card.
Capital One® Spark® Cash Select Excellent Credit: Best for Fixed-rate Cash Back Card With Sign-up Bonus
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
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
Who Should Consider the Spark® Cash Select Excellent Credit
This is ideal for those with excellent credit scores who want to earn a fixed-rate cash back and sign-up bonus. Spend at least $4,500 on purchases within the first three months of card ownership, and you’ll earn a $500 sign-up bonus. Also, receive unlimited 1.5% cash back on all purchases and 5% cash back when booking hotel stays and car rentals through Capital One Travel.
Other Benefits of Spark® Cash Select Excellent Credit
- Low ongoing APR: Carry a balance from time to time and enjoy a low APR compared to most other Capital One business credit cards.
- No annual fee: Enjoy earning rewards and all other benefits offered by this card without having to pay an annual fee.
- No foreign transaction fees: Pay no additional fees when you use the card for international purchases.
- No balance transfer fees: Use the card to transfer your balances from other credit cards without the need to pay balance transfer fees, only APR.
You can redeem your cash back rewards as a statement credit for any amount at any time. Your cash back has no expiration for as long as your account remains open and in good standing. If you don’t have an excellent credit score and want to earn fixed-rate cash back, consider the Spark® Cash Select Good Credit.
Capital One® Spark® Cash Select Good Credit: Best for Fixed-rate Cash Back With a 0% APR
Capital One® Spark® Cash Select Good Credit
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®
Who Should Consider the Spark® Cash Select Good Credit
Capital One® Spark® Cash Select Good Credit is a good option if you have a good credit score, prefer to earn fixed-rate cash back, and need to make a large purchase. You can earn unlimited 1.5% cash back on all purchases with no category restrictions. Plus, it offers a 0% introductory rate on purchases for the first 12 months.
Other Benefits of Spark® Cash Select Good Credit
- No annual fee: Take advantage of unlimited rewards and other benefits without paying an annual fee.
- No foreign transaction fees: Use the card for international transactions and pay no extra fees.
- No balance transfer fees: Transfer your balance from another credit card and pay no balance transfer fees, only APR.
- No expiration on rewards: Redeem your cash back rewards anytime with no expiration for as long as your account remains open and in good standing.
We also recommended this as one of the best business credit cards for self-employed because of its simple rewards program and zero-interest financing period. However, its 0% introductory APR only applies to purchases and not to balance transfers. Plus, it lacks a sign-up bonus. If you want to earn a sign-up bonus and you have an excellent credit score, consider the Spark® Cash Select Excellent Credit.
Capital One® Spark® Classic for Business: Best for Business Owners With Fair Credit Scores
Capital One® Spark® Classic for Business
BEST FOR:
Those with fair credit
Intro APR
N/A
Regular APR
30.49% 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
30.49% 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.
Who Should Consider the Spark® Classic for Business
Business owners who have a fair credit score and want to earn fixed-rate cash back should consider this option. With responsible use and consistent on-time payments, you can build your business credit and eventually qualify for a business credit card with better terms. You can also earn unlimited 1% cash back on all eligible purchases and 5% cash back on rental cars and hotel bookings made through Capital One Travel.
Other Benefits of Spark® Classic for Business
- No annual fee: Build your credit and enjoy earning unlimited rewards without having to pay annual fees.
- No foreign transaction fees: Use the card for international transactions and pay no foreign transaction fees.
- No 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.
Keep in mind that this card comes with a high APR, so it’s best to budget your finances properly and pay your balance in full each month to save on credit costs. It is our top-recommended business credit card for fair credit, making it a good option if your personal credit score falls between 580 and 669.
Capital One CLUB Business Mastercard®: Best for Frequent Bass Pro Shops & Cabela’s Stores Shoppers
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; and 120.24%, 23.24%, or 31.99% (variable) on other purchases and transfers
Annual Fee
None
Credit Needed
Excellent
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating Cenex® convenience stores
- 1.5% back in CLUB points on all other purchases
Pros
- 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 setting customized spending limits and monitoring transactions the moment they are posted.
- Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
- $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; and 120.24%, 23.24%, or 31.99% (variable) on other purchases and transfers
Annual Fee
None
Credit Needed
Excellent
- 5% back in CLUB points at Bass Pro Shops and Cabela’s
- 2.5% back in CLUB points at participating Cenex® convenience stores
- 1.5% back in CLUB points on all other purchases
Pros
- 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 setting customized spending limits and monitoring transactions the moment they are posted.
- Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
- $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.
Who Should Consider the CLUB Business Mastercard®
This card is best for those who manage outdoor sports businesses and those who shop at Bass Pro Shops and Cabela’s frequently. You can enjoy a low ongoing APR of only 7.99% for purchases at these merchants. On top of that, you’ll receive 5% back in CLUB points at Bass Pro Shops and Cabela’s and 2.5% back in CLUB points at participating Cenex® convenience stores. You’ll also earn 1.5% back in CLUB points on all other purchases.
Other Benefits of CLUB Business Mastercard®
- Sign-up bonus: Receive $75 in CLUB Points after spending $1,000 on your CLUB Business card within 60 days after your account is approved.
- No annual fee: Save on credit costs while earning unlimited rewards without having to pay an annual fee.
- Price match: Take advantage of price match plus 5% less than the prices offered by a local retailer or a qualifying website.
- Signature events: Access exclusive hunting and fishing adventures all around the world—or get a trip customized for you.
- No foreign transaction fees: Use the card anywhere around the world without having to pay foreign transaction fees.
- No balance transfer fees: Pay no balance transfer fees when you transfer a balance from another credit card at a regular balance transfer APR.
You can redeem your CLUB Points at Bass Pro Shops and Cabela’s for merchandise, including boats and ATVs. As a CLUB Member, you can access exclusive events, discounts, giveaways, and other offers. Take note that you need an excellent credit score to qualify. If you want to earn rewards with flexible redemption options, consider other Capital One business credit cards.
Frequently Asked Questions (FAQs)
Capital One will need the business owner’s personal information, such as the legal name, address, and Social Security number. The issuer will also need to gather business information, including the legal business name, business address, and business tax identification number (TIN). To make the application process smoother, prepare all necessary information and other supporting documents before applying.
According to Capital One’s website, the application process takes about 10 minutes when done online, and you will get a decision in 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.
Capital One does not have a secured business credit card. Its secured credit card, the Capital One Platinum Secured Credit Card, is a personal credit card. If you couldn’t qualify for Capital One® Spark® Classic for Business, which requires a fair credit score, you may consider the Platinum Secured Credit Card—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 credit.
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 debts, in case your business fails to pay for them.
Bottom Line
Capital One offers business credit cards with cash back, miles, or store-point rewards. It also has cards for business owners with below-excellent credit scores and a pay-in-full card with flexible credit limits. All Capital One business cards charge no foreign transaction and balance transfer fees, and most of them come with zero or low annual fees and lucrative introductory offers. Each card offers different ongoing APRs and rewards.
The best Capital One business card for you depends on your business’s unique circumstances and needs. Check out our best small business credit cards for other options.
