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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.
The card_name is a straightforward, low-cost cash-back card for business owners, offering unlimited 1.5% cash back on all purchases with $0 annual and foreign transaction fees. Designed for easy recordkeeping, it allows you to download purchase records compatible with popular accounting software.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
card_name
BEST FOR:
Businesses with excellent credit that want a lower ongoing APR
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 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
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 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
When grading fixed-rate cash back business credit cards like the card_name card, we give the most weight to ongoing rewards, with introductory rewards as the second biggest factor. We also consider the annual fee, introductory and ongoing APRs, and additional features.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 30 |
Introductory Rewards | 18 | 20 |
Additional Features | 13 | 15 |
Annual Fee | 15 | 15 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 74 | 100 |
Who the card_name Is Best For
- Those who buy inventory from international vendors and prioritize low costs: It has $0 foreign transaction fees, making international purchases more affordable. Plus, it has $0 annual and balance transfer fees, keeping overall costs low.
- Those who prefer simplicity in managing expenses: You can download purchase records into multiple formats including Quicken®, QuickBooks®, and Excel®. This streamlines expense tracking and management, making it easier to oversee your business finances.
- Those who want to maximize business expenses: Earn 1.5% cash back on all purchases regardless of categories and 5% cash back on hotels and rental cars booked through Capital One Travel. Cash back can be a valuable way to offset business expenses, helping reduce overall costs.
- Those who have excellent credit scores: Its instant approval process ensures favorable terms for applicants with strong credit histories.
See our recommended alternatives below if this card isn’t the best fit for your business. Alternatively, see our roundup of the best Capital One business credit cards for more options from the issuer.
card_name Rewards
- bonus_miles_full
- Enjoy unlimited 1.5% fixed-rate cash back on all other purchases
- Get unlimited 5% cash back on hotels and car rentals booked through Capital One Travel
Here’s an example of the potential rewards value if spending requirements are met:
card_name Calculator
You can use our calculator to compute the potential rewards you might earn from using the card_name. Input your projected monthly spending and let our calculator do the rest.
How To Redeem card_name Rewards
Your points are unlimited and never expire as long as your account remains active. Redeeming them is easy. Just follow these steps:
- Log in: Go to capitalone.com or open the Capital One Mobile app.
- Access your card: Select your card_name card.
- View rewards: Click “View Rewards” to see your points balance and options.
- Redeem your way: You can redeem your cash back as a statement credit or a check—simply choose what works best for you. Plus, view past rewards activity and discover flexible options.
For hands-off rewards, set up automatic redemption:
- By date: Pick a time each year.
- By amount: Redeem once you reach a chosen rewards threshold.
card_name Features
Employee Access
- Free employee cards: Issue at no cost, track spending, and earn rewards on employee purchases.
- Custom spending limits: Set spending caps for each card with real-time updates.
Travel Perks
- Capital One Travel: Access competitive travel prices, paying with rewards, your card, or both.
- Roadside assistance: Offer services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing.
- $0 foreign transaction fees: Travel without extra fees on international purchases.
Manage Your Spending
- AutoPay & flexible dates: Set AutoPay and choose a due date that fits your cash flow.
- Budgeting & tax reporting: Year-end summaries simplify budget planning and tax prep.
- Recurring expenses: Manage subscriptions and bills in one place.
- Downloadable purchase records: Easily track finances with downloadable records for Quicken, QuickBooks, or Excel.
- Vendor payments: Pay vendors via card or ACH from your Capital One Business account.
Security
- Extended warranty: Free added warranty on eligible purchases made with this card.
- Virtual cards: Create virtual cards for secure online purchases.
- $0 fraud liability: Get an emergency replacement and a cash advance if your card is lost or stolen.
- Fraud alerts: Receive alerts if unusual or potentially fraudulent activity is detected.
- Card lock: Instantly lock your card or an employee’s card if lost or stolen to prevent misuse.
card_name Fees
APRs
- Introductory: None
- Ongoing: reg_apr,reg_apr_type
- Cash advance: cash_advance_apr
- Penalty: 34.14% (Variable)
Fees
- Annual: annual_fees
- Balance transfer: balance_transfer_fees
- Foreign transaction: foreign_transaction_fee
- Cash advance: cash_advance_fee
- Late payment: late_payment_fee
Your due date is at least 25 days after the close of each billing cycle.
- 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 Business Platinum Card®
This card is optimal for business owners who travel frequently and enjoy premium travel rewards and perks. These perks justify the high annual fee of $695. What’s more, you can earn premium rewards and a generous welcome offer when you meet the spending requirements.
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on 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.
- 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. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $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®.
- 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 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- 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.
- 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.
Intro APR
N/A
Regular APR
18.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on 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.
- 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. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $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®.
- 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 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- 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.
- 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.
card_name
For a straightforward rewards option with a lower annual fee, consider this card. It offers unlimited 2X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel. Miles are transferable to more than 15 airline and hotel partners. Plus, it offers a annual_fees, making it a great option for those seeking upfront savings. New cardholders can also earn a bonus after meeting the spending requirements.
card_name
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 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
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- 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.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- 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
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- 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.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is one of the best business credit cards if you want to save on overall credit costs. It comes with a $0 annual fee, 0% APR on purchases, lucrative rewards and bonuses, and a pay over time feature without interest. It leads our list of the top business cards with no annual fee.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- 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.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- 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.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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
Frequently Asked Questions (FAQs)
Applying takes around 10 minutes, with an instant decision. Here’s what you’ll need to provide:
- Legal names, addresses, and SSNs for all business owners
- Your legal business name, address, and tax ID number (TIN)
Capital One Travel is available to customers with a US-issued, eligible Capital One credit card. Book flights, hotels, and car rentals through Capital One Travel and pay with rewards, travel credits, or your Capital One card. Eligible cards include:
- Venture Series: Venture X, Venture, VentureOne
- Quicksilver Series: Quicksilver, QuicksilverOne, Quicksilver for Good Credit, Quicksilver Student, Quicksilver Secured
- Savor Series: Savor, SavorOne, SavorOne Student, SavorOne for Good Credit
- Business Series: Venture X Business, Spark Miles, Spark Miles Select, Spark Cash Select, Spark Classic, Spark Cash Plus
- Journey, and Capital One Walmart Rewards
Capital One can be found in Washington, D.C., and the following states: Virginia, Texas, New York, New Jersey, Maryland, and Louisiana.
Bottom Line
The card_name is a simple, low-cost card ideal for business owners who value ease and unlimited cash back. With a annual_fees annual fee, $0 foreign transaction fees, and tools to streamline expense management, it’s a practical choice for everyday business spending. However, its lack of premium perks, like travel protections or higher rewards rates, may not appeal to those seeking more robust benefits.
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.