Editorial and Partnership DisclosureFit 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.
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
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
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:
| Category | Reward Rate | Estimated Annual Spend | Reward Annual Value |
|---|---|---|---|
| All Spending | 1.5% | $25,000 | $ 375 |
| Hotel Spending | 5% | $25,000 | $ 1,250 |
| Car Rental Spending | 5% | $25,000 | $ 1,250 |
| Welcome BonusProvided $4500 is spent within the first three months | $ 500 | ||
| Total Annual Reward Value: | $ 3,375 | ||
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.
Capital One Spark Cash Select Calculator
Your potential annual reward earnings are:
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 $895. What’s more, you can earn premium rewards and a generous welcome offer when you meet the spending requirements.
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
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.
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card 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.
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
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.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Business Platinum Card®
