The best Capital One business credit card is Capital One® Spark® Cash for Business. It offers a $500 initial bonus and doesn’t let up in terms of ongoing rewards, giving you 2% cash back on all purchases. That’s over four times more than the average cash rewards card gives you as an initial bonus and nearly twice as much on an ongoing basis. Plus, there’s no annual fee the first year ($95 after). The Capital One® Spark® Miles for Business offers pretty much the same deal, just with miles instead of cash back. But everyone can use cash back, while lots of small business owners don’t travel a lot.
Of course, the answer will be a bit different if you don’t have good or excellent credit. That’s what all but one Capital One business credit card require. The lone option for less-established owners is the Capital One® Spark® Classic for Business, which you can get even with limited credit.
You can see how your options compare to each other in some key categories below.
2018’s Best Capital One Credit Card Offers:
| Best for… | Card Name | Annual Fee | Initial Bonus | Ongoing Rewards |
| Overall | Capital One® Spark® Cash for Business | $0 for 1st yr, $95 after | $500 | 2% Cash Back |
| Travel | Capital One® Spark® Miles for Business | $0 for 1st yr, $95 after | 50,000 miles | 2 miles / $1 |
| Cash Back & No Annual Fee | Capital One® Spark® Cash Select for Business | None | $200 | 1.5% Cash Back |
| Miles & No Annual Fee | Capital One® Spark® Miles Select for Business | None | 20,000 miles | 1.5 miles / $1 |
| Limited Credit | Capital One® Spark® Classic for Business | None | N/A | 1% Cash Back |
| 0% APR | Capital One® VentureOne® Rewards Credit Card | None | 20,000 miles | 1.25 miles / $1 |
Capital One’s business credit cards are best for purchases you’ll pay off by the due date each month. In general, business cards are bad for financing because issuers can raise the rate on a balance you’re carrying from month to month at any time. That’s why we included a personal card in the 0% APR category. Using such a card for big-ticket business expenses won’t increase your personal liability, as you’re personally liable for debt on nearly all business credit cards anyway.
You can see how your options compare to each other in some key categories below.
