Editorial and Partnership Disclosure Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
card_name is an excellent credit card designed for businesses that can pay their balance in full every month. This pay-in-full card offers unlimited 2% cash-back rewards on all business-related purchases. It doesn’t have a preset spending limit, which means your credit limit adapts to your needs based on your spending behavior, payment history, and credit profile.
card_name
BEST FOR:
Businesses that want simple yet generous cash back
- 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.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- 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 $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.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- 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.
The Fit Small Business editorial policy is rooted in the company’s mission, which is to deliver the best answers to people’s questions. This serves as the foundation for all content, demonstrating a clear dedication to providing valuable and reliable information. Our team leverages its expertise and extensive research capabilities to identify and address the specific questions our audience has—and this ensures that our content is rooted in knowledge and accuracy.
In addition, we employ a comprehensive editorial process that involves expert writers. This process ensures that articles are well-researched and organized, offering in-depth insights and recommendations. Fit Small Business maintains stringent parameters for determining the “best” answers, including accuracy, clarity, authority, objectivity, and accessibility, and these see to it that our content is trustworthy, easy to understand, and unbiased.
When grading pay-in-full business credit cards like the Capital One Spark Cash Plus, we consider the annual fee first. Then, we look at the card’s rewards, additional features, penalties, and other fees.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Annual Fee | 15 | 30 |
Ongoing Rewards | 20 | 20 |
Introductory Rewards | 20 | 20 |
Penalties | 10 | 15 |
Other Fees | 10 | 10 |
Additional Features | 5 | 5 |
Total Score | 80 | 100 |
Who the card_name Is Best For
- Those who can pay their balance in full every month: Capital One Spark Cash Plus requires full monthly payments; otherwise, you’ll be charged penalties, and your account will be considered past due.
- Those who need a flexible credit limit: With the Capital One Spark Cash Plus, you won’t have a preset spending limit because your credit limit adapts to your needs and spending and payment behavior.
card_name Rewards
- bonus_miles_full
- 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.
card_name Calculator
You can determine how much cash back you can earn from the card_name based on your estimated monthly expenses. Use our rewards calculator to compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
How to Redeem card_name Rewards
Cash back earned is yours for the life of the account and will not expire so long as your account is active. Also, there is no cap on the amount of rewards you can earn on your business purchases.
You can redeem your cash back upon request as a statement credit or check. You can also set an automatic redemption preference, with options including choosing your preferred set time each calendar year or when a threshold has been reached.
card_name Features
Managing accounts
- Purchase records: Quickly and securely download your records in multiple ways, such as via Quicken, QuickBooks, and Excel.
- Year-end summaries: Get an itemized spending report to help simplify budgeting and tax time.
- Payment flexibility: Pick your preferred monthly due date to control when you pay your credit card bill.
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
- Annual fee refunded: Waive your annual fee each year after spending at least $150,000, which will be reflected within two billing cycles from your rewards membership anniversary date.
- No preset spending limit: Acquire a no preset spending limit that adapts to your needs based on spending behavior, payment history, and credit profile.
Travel
- Roadside assistance: Get help from Capital One’s services during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Capital One Travel: Get the best prices on thousands of trip options and pay flexibly with your rewards, card, or both.
Service and protection
- Fraud and security alerts: Get an email, text, or call if Capital One detects potential suspicious transactions or charges made on your account.
- $0 fraud liability: 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
- Card lock: Lock your card or an employee’s if it has been misplaced, lost, or stolen.
card_name Fees
APR
- Introductory: intro_apr_rate,intro_apr_duration
- Ongoing: reg_apr,reg_apr_type
- Balance transfer: balance_transfer_intro_apr,balance_transfer_intro_duration
- Cash advance: cash_advance_apr
Fees
- Annual: annual_fees
- Balance transfer: balance_transfer_fees
- Foreign transaction: foreign_transaction_fee
- Cash advance fee: cash_advance_fee
- Late payment: late_payment_fee
- Capital One Mobile: Use the app to ensure you pay your balances in full each month.
- Phone: Call 800-227-4825 or the number on the back of your credit card.
- Online: Log in to your Capital One account and select “Make a payment.”
- In-person: Visit the nearest Capital One branch.
- Mail: Send a check by United States mail using this address:
Capital One
Attn.: Payment Processing
PO Box 71083
Charlotte, NC 28772-1083
- Overnight: When sending overnight, use this address:
Capital One
Attn.: Payment Processing
6125 Lakeview Rd., Ste. 800
Charlotte, NC 28269
card_name Alternatives
American Express Blue Business CashTM
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
If you have good credit standing and want to earn cash back without keeping track of spending categories, then we recommend the American Express Blue Business CashTM. This card lets you earn fixed-rate unlimited cash-back rewards and spend beyond your credit limit through the expanded buying power.
card_name
card_name
BEST FOR:
Businesses with excellent credit that want a lower ongoing APR
- 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
Pros
- $0 annual, transfer, and foreign transaction fees
- Includes a welcome bonus offer
- Protection for lost or stolen cards
- Downloadable purchase records for easy bookkeeping
Cons
- No 0% Intro APR offer
- Requires an excellent credit score
- Lacks premium perks
- 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
- 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
Pros
- $0 annual, transfer, and foreign transaction fees
- Includes a welcome bonus offer
- Protection for lost or stolen cards
- Downloadable purchase records for easy bookkeeping
Cons
- No 0% Intro APR offer
- Requires an excellent credit score
- Lacks premium perks
- 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
Consider the card_name if you are looking for an alternative Capital One business credit card, as you cannot pay your balances in full each month. This card also lets you enjoy $0 annual, transfer, and foreign transaction fees and lets you earn up to 5% cash back in selected spending categories.
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 16.99% - 25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
The U.S. Bank Business Platinum Card is a viable option if you intend to make large purchases and need a long 0% introductory period. This card is also great if earning rewards is not a priority for you, as it does not offer one for its new and existing cardholders.
Frequently Asked Questions (FAQs)
Capital One has branches in the following states: Virginia, Texas, New York, New Jersey, Maryland, Louisiana, and Washington, D.C.
The card only reports to consumer credit bureaus if the account is not in good standing.
There are several reasons why Capital One has denied your credit limit increase request, namely:
- Your Capital One account is too new
- A recent change has occurred in your card’s credit limit
- Your Capital One account was recently past due
- You’ve been paying too low on your Capital One account
- You don’t use your Capital One’s available credit limit
- A credit reporting agency has detected a recent credit delinquency
- You currently have a low credit score
Bottom Line
card_name is a great option for businesses that can pay their balances in full every month and those that need a flexible credit card. While it lets you earn 2% cash back on all business-related purchases without limits or category restrictions, it requires you to meet a high spending limit within a short period to secure the introductory bonus.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
