7 Best Capital One Business Credit Cards

• Introductory reward of 50,000 one-time bonus miles after spending $4,500 on purchases within the first three months of opening an account
• 1.5x miles per $1 spent
• 5x miles on hotel and rental car bookings through the issuer
• Issue employee cards for free

• 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.

• Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
• Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles from their purchases

• Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
• Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
• Fraud Coverage: $0 Fraud Liability for unauthorized charges
• Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time

• Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
• Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
• No annual fee
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Rewards won't expire for the life of the account
• Redeem your cash back rewards for any amount
• Free employee cards, which also earn unlimited 1.5% cash back on all purchases
• $0 Fraud Liability for unauthorized charges

• Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
• Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
• Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
• $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
• Exclusive deals at 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
• Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time

• 1% cash back every time you swipe
• Build your business credit through responsible usage
• Issue employee cards for free

• 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.

• Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
• 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.

• 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.

• Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
• This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
• Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
• This is a pay-in-full card, so your balance is due in full every month
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection

• Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
• Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
• Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
• Cell Phone Protection: Get reimbursed up to $600. Certain terms, conditions and exclusions apply.
• Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.

• 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

• 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®.

• Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
• Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
• Earn 3 miles per dollar on eligible Delta purchases.
• Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
• Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
• With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
• Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
• When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
• Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
• Terms and limitations apply.

• Annual boost: Get $1 Medallion^® Qualification Dollar for each $10 in purchases on your Delta SkyMiles^® Reserve Business Card in a calendar year, making earning Medallion Status for next Medallion Year that much quicker.
• Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
• Free checked baggage: Receive free checked baggage for you and eight guests.
• Priority boarding: You can board your flight early with Zone 5 Priority Boarding.
• In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
• Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.

• Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
• Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• $695 Annual Fee.
• Terms Apply.

• American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
• Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
• Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
• Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
• Rental status: Elite status at a number of car rental agencies.
• Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
• Dell statement credit: Up to $400 in statement credits annually for Dell purchases.

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)

• Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
• Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
• 1% cash back on all other eligible net purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
• No limit on total cash back earned.
• Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
• Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
• Terms and conditions apply.

• MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
• Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
• Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
• U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee