Capital One offers eight business credit cards, two of which are charge cards. You have the option to earn cash back or travel rewards in the form of miles. To find the best Capital One business credit card, consider factors like annual fees, ongoing rewards, 0% annual percentage rate (APR) offers, and credit requirements. It takes around 10 minutes to apply for most Capital One business credit cards, and you’ll get a decision in seconds.
The eight Capital One business credit cards are:
- Spark® Miles Select for Business: Best for earning miles with sign-up bonus and no annual fee
- Spark Miles for Business: Best for earning premium miles with Capital One lounge access
- Spark Cash Select for Excellent Credit: Best for earning cash back with generous sign-up bonus
- Spark Cash Select for Good Credit: Best for earning cash back with a 0% APR
- Spark® Classic for Business: Best for business owners with fair credit scores
- Spark Cash Plus: Best for businesses that pay in full and want no preset spending limit
- Venture X Business: Best charge card with premium miles on hotels, car rentals, and flights
- CLUB Business Mastercard®: Best for frequent Bass Pro shops and Cabela’s stores shoppers
Capital One Business Credit Cards At a Glance
Best For | Annual Fee | Welcome Offer | Ongoing Rewards | Credit Needed | ||
---|---|---|---|---|---|---|
Capital One Spark® Miles Select for Business | Earning miles with sign-up bonus and no annual fee | $0 | Excellent | |||
Capital One Spark Miles for Business | Earning premium miles with airport lounge access | $0 for the first year, then $95 after | Excellent | |||
Capital One Spark Cash Select for Excellent Credit | Earning cash back with generous sign-up bonus | $0 | Excellent | |||
Capital One Spark Cash Select for Good Credit | Earning cash back with a 0% APR | $0 | 0% APR on purchases for the first 12 months | Good | ||
Capital One Spark® Classic for Business | Business owners with fair credit scores | $0 | None | Fair | ||
Capital One Spark Cash Plus | Businesses that pay in full and want no preset spending limit | $150, refunded if you spend at least $150,000 in a year | Excellent | |||
Capital One Venture X Business | Charge card with premium miles on hotels, car rentals, and flights | $395 | Excellent | |||
Capital One CLUB Business Mastercard® | Frequent Bass Pro shops and Cabela’s stores shoppers | $0 | Excellent |
1. Credit Score
Your credit score will primarily determine the best Capital One business credit card you can qualify for. If you have fair credit and are looking into rebuilding your credit score, you can qualify for the Capital One Spark® 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, Capital One Spark® Miles for Business, and Capital One Venture X Business. If you prefer to earn cash back, consider other Capital One cards.
3. Preferred Introductory Offer
Aside from the Capital One Spark® Classic credit card, all other Capital One business credit cards offer either an introductory 0% APR or a welcome bonus. If you plan to finance a large purchase, consider the Capital One Spark® Cash Select Good Credit, which comes with a 0% introductory APR. If you don’t need the 0% APR, consider the other Capital One business credit cards that offer a sign-up bonus when you meet the purchase requirement.
4. Paying Habits
If you can pay your balance in full every month and have significant annual credit card expenses, you may want to consider a charge card. Capital One Spark® Cash Plus and Capital One Venture X Business offer a flexible spending limit but require you to pay your full balance each billing cycle. If you don’t usually pay your balance in full, look for a credit card with a low ongoing APR, such as the Capital One Spark® Cash Select Excellent Credit or Capital One Spark® Miles Select for Business.
Capital One® Spark® Miles Select for Business: Best for Earning Miles With Sign-Up Bonus & No Annual Fee
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending of less than $19,000
- 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.
- 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
- Those who want to earn travel rewards without paying annual fees: 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—and there’s no annual fee.
- Those looking to earn bonus miles (without annual fee): As a welcome offer, 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: Redeem your miles for flights, hotels, vacation packages, or as a reimbursement for travel expenses made with your card within 90 days of purchase.
- Miles transfer: Transfer your miles to any of Capital One’s 15-plus travel partners
Capital One’s Partners:
- Accor Live Limitless
- Aeromexico Club Premier
- Air France KLM Flying Blue
- Air Canada Aeroplan
- Asia Miles
- Avianca LifeMiles
- British Airways Avios
- Choice Hotels® - Choice Privileges®
- Emirates Skywards
- Etihad Airways - Etihad Guest
- EVA Air Infinity MileageLands
- Finnair Plus
- Qantas Frequent Flyer
- Singapore Airlines - KrisFlyer
- TAP Air Portugal - Miles&Go
- Turkish Airlines - Miles&Smiles
- Virgin Red - Virgin Point
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 Premium Miles With Capital One Lounge Access
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BEST FOR:
Unlimited 2x miles with every swipe
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- Welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- 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.
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- Welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- 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.
Who Should Consider the Spark Miles for Business
- Those who travel frequently and want to earn more miles 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.
- Those who want to access the Capital Lounge: You can get up to two free Capital Lounge visits per year and enjoy luxurious amenities, local food, and beverage options.
- Those willing to pay an annual fee: The card comes with a $95 annual fee, which is waived for the first year. However, the higher reward points you’ll get from regular purchases justify this reasonable fee.
Other Benefits of Spark Miles for Business
- Travel credit: Receive up to $100 travel credit for Global Entry or TSA PreCheck®.
- Sign-up bonus: Earn 50,000 bonus points if you spend at least $4,500 in the first three months after opening an account
- 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
Capital One’s Partners:
- Accor Live Limitless
- Aeromexico Club Premier
- Air France KLM Flying Blue
- Air Canada Aeroplan
- Asia Miles
- Avianca LifeMiles
- British Airways Avios
- Choice Hotels® - Choice Privileges®
- Emirates Skywards
- Etihad Airways - Etihad Guest
- EVA Air Infinity MileageLands
- Finnair Plus
- Qantas Frequent Flyer
- Singapore Airlines - KrisFlyer
- TAP Air Portugal - Miles&Go
- Turkish Airlines - Miles&Smiles
- Virgin Red - Virgin Point
- 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 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 to earn miles without paying annual fees, consider the Spark® Miles Select for Business.
Capital One Spark Cash Select for Excellent Credit: Best for Earning Cash Back With Generous Sign-up Bonus
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BEST FOR:
Businesses with excellent credit that want a lower ongoing APR
- 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
- Charges $0 annual, transfer, and foreign transaction fees
- Welcome offer
- With protection against lost or stolen cards
Cons
- No interest-free financing option on purchases or balance transfers
- Requires excellent credit
- May do a hard pull of your credit at application
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- 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
- 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
- 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
- Charges $0 annual, transfer, and foreign transaction fees
- Welcome offer
- With protection against lost or stolen cards
Cons
- No interest-free financing option on purchases or balance transfers
- Requires excellent credit
- May do a hard pull of your credit at application
- Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
- 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
- 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 for Excellent Credit
- Those with excellent credit scores who prefer to earn cash back: You will receive unlimited 1.5% cash back on all purchases and 5% cash back when booking hotel stays and car rentals through Capital One Travel.
- Those who can spend at least $6,000 in the first three months: As a one-time welcome bonus, you will earn $750 after you meet this spending requirement.
Other Benefits of Spark Cash Select for Excellent Credit
- 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 date 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 Capital One Spark Cash Select for Good Credit.
Capital One Spark Cash Select for Good Credit: Best for Earning Cash Back With a 0% APR
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BEST FOR:
Businesses with good credit that want a 0% introductory APR and fixed 1.5% cash back rewards
- 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
- Charges $0 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 welcome offer for new cardholders
- 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®
- 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
- Charges $0 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 welcome offer for new cardholders
- 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 for Good Credit
- Those with a good credit score: Unlike most other Capital One business credit cards that require excellent credit, you only need to have a good credit score to qualify for this card and earn unlimited rewards. These are 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on other purchases.
- Those who need to make a large purchase: This is the only Capital One business credit card that offers 0% introductory APR on purchases for the first 12 months of opening an account, making it an ideal choice for business owners who need to make a significant purchase.
Other Benefits of Spark Cash Select for 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.
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 for Excellent Credit.
Capital One® Spark® Classic for Business: Best for Business Owners With Fair Credit Scores
- 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 welcome offer
- 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.
- 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 welcome offer
- 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
- Those with fair credit scores and who want to rebuild their credit: If you’re having trouble qualifying for other Capital One business credit cards because of a low credit score, this card is an excellent option. With consistent responsible use, it can help you build your credit and eventually qualify for a business credit card with better terms.
- Those looking to earn cash back rewards without annual fee: It lets you 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 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 Spark Cash Plus: Best for Businesses that Pay In Full & Want No Preset Spending Limit
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BEST FOR:
Businesses that want purchasing power and can pay their balances in full every month
- Earn a $1,200 cash bonus when you spend $30,000 in the first three months of card ownership
- 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.
- Get a $150 annual fee refund after spending a minimum of $150,000 per year
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.
- Earn a $1,200 cash bonus when you spend $30,000 in the first three months of card ownership
- 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.
- Get a $150 annual fee refund after spending a minimum of $150,000 per year
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
- Those with sufficient working capital: This is a charge card, which means you need to pay your balance in full each billing cycle.
- Those seeking a flexible credit limit: Since it is a pay-in-full card, it has no preset spending limit; your credit limit adjusts based on your spending behavior, payment history, and credit profile.
- Those who prefer to earn premium cash back: You’ll receive unlimited 2% cash back on everyday purchases and 5% cash back on hotels and rental cars booked through Capital One Travel.
- Those without a need for balance transfer services: Note that balance transfers are not allowed for this card. If you need to transfer your balance from another credit card, choose a different Capital One business credit card.
Other Benefits of Spark Cash Plus
- Lucrative sign-up bonus: Earn a $1,500 cash back once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 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.
Capital One Venture X Business: Best Charge Card With Premium Miles on Hotels, Car Rentals & Flights
- Earn 150,000 bonus miles after spending $30,000 within the first three months of card ownership
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- Unlimited 2x miles on every purchase
Pros
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
- Earn 150,000 bonus miles after spending $30,000 within the first three months of card ownership
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- Unlimited 2x miles on every purchase
Pros
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
Who Should Consider the Venture X Business
- Those who travel frequently: You will earn 2x miles on regular business purchases, 5x miles on flights, and 10x miles on hotels and car rentals booked through Capital One Travel. Plus, you’ll receive an annual $300 credit for bookings through Capital One Travel.
- Those who want access to a wide selection of airport lounges: You can access a network of 1,300 or more airport lounges worldwide. Plus, enjoy unlimited free visits at Capital One lounges with two free guests per visit ($45 per additional guest).
- Those capable of paying their balance in full each month: Capital One Venture X Business is a charge card, so you need to pay your entire balance every month. Otherwise, you’ll be charged 2.99% of the unpaid portion of your balance.
Other Benefits of Venture X Business
- Anniversary bonus: Get 10,000 bonus miles every year when you renew your card.
- Sign-up bonus: Receive 75,000 bonus miles after spending $4,000 in the first 3 months
- Credit for Global Entry or TSA PreCheck®: Receive up to $100 statement credit every four years for Global Entry or TSA PreCheck® applications.
- Premier Collection benefits: Get $100 experience credit and other premium benefits when you stay at luxury hotels and resorts from the Premier Collection.
- Miles Transfer: Transfer your miles to any of Capital One’s 15+ travel partners
Capital One’s Partners:
- Accor Live Limitless
- Aeromexico Club Premier
- Air France KLM Flying Blue
- Air Canada Aeroplan
- Asia Miles
- Avianca LifeMiles
- British Airways Avios
- Choice Hotels® - Choice Privileges®
- Emirates Skywards
- Etihad Airways - Etihad Guest
- EVA Air Infinity MileageLands
- Finnair Plus
- Qantas Frequent Flyer
- Singapore Airlines - KrisFlyer
- TAP Air Portugal - Miles&Go
- Turkish Airlines - Miles&Smiles
- Virgin Red - Virgin Point
It’s worth noting that the card comes with a high annual fee of $395. However, its premium rewards and features justify the fee—and you take advantage of those benefits when you travel frequently.
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
- 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
- Charges $0 annual fees
- Has a sign-up bonus
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Both the low ongoing APR and premium rewards are only limited on purchases made at Bass Pro Shops and Cabela’s
- Offers lmited 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®.
- 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
- Charges $0 annual fees
- Has a sign-up bonus
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Both the low ongoing APR and premium rewards are only limited on purchases made at Bass Pro Shops and Cabela’s
- Offers lmited 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®.
Who Should Consider the CLUB Business Mastercard®
- Outdoor sports businesses that frequently shop at Bass Pro Shops and Cabela’s: You can enjoy a low ongoing APR of only 7.99% for purchases at these merchants and 5% back in CLUB points at Bass Pro Shops and Cabela’s without paying an annual fee.
- Those preferring to redeem rewards at Bass Pro Shops and Cabela’s exclusively: You can redeem your CLUB Points at Bass Pro Shops and Cabela’s for merchandise, including boats and ATVs.
- Those who want to access exclusive CLUB offers: As a CLUB Member, you can access exclusive events, discounts, giveaways, other offers, and exclusive hunting and fishing adventures around the world—or get a trip customized for you.
Other Benefits of CLUB Business Mastercard®
- Ongoing rewards on other purchases: Earn 2.5% back in CLUB points at participating Cenex® convenience stores and 1.5% back in CLUB points on all other purchases.
- Sign-up bonus: Receive $100 in CLUB Points after spending $1,000 within 60 days after your account is approved.
- Price match: Take advantage of price match plus 5% less than the prices offered by a local retailer or a qualifying website.
- 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.
It is also one of our top business store cards for outdoor sports businesses. Take note that it has limited redemption options, so if you want other options to redeem points, consider all the other Capital One business credit cards as they offer flexible redemption.
Frequently Asked Questions (FAQs)
To apply for Capital One business credit cards, you need to provide your personal information, including your name, address, and Social Security number. You also need to provide your business information, including the legal business name, business address, and business tax identification number (TIN). To make the application process smoother, ensure that you meet the credit requirements of the card that you are applying for.
According to Capital One’s website, the application process takes about 10 minutes when done online, and you will get a decision in a few seconds. Make sure to get your requirements ready and that your personal credit score qualifies for the card you choose to avoid any delays in the application process.
No. However, it offers a personal secured credit card, the Capital One Platinum Secured Credit Card, which you can consider if you don’t have a fair credit score and couldn’t qualify for Capital One® Spark® Classic for Business—ensure to keep your business and personal finances separate. For a minimum of $200 security deposit, you can use the card for your expenses while helping you build your personal credit.
Yes, virtual card numbers are available with Capital One business credit cards. Virtual cards allow you to make safe payments online because you don’t need to expose your actual credit card number, thus providing more security.
Yes, Capital One requires a personal guarantee as part of the application requirements. A personal guarantee means you will be personally liable for your business’ financial obligations in case it fails to pay its debts.
Bottom Line
Capital One business credit cards charge no foreign transaction fees, making them excellent choices for business owners who travel frequently. You can choose from cash back, miles, or store-point rewards. There are also two pay-in-full cards available for those who need flexible credit limits.
As each card comes with different ongoing APRs, annual fees, and rewards, make sure to consider these factors when deciding which of the Capital One business credit cards is right for you. Keep in mind that the best Capital One business card depends on your business’ unique circumstances and needs.