Capital One Business Credit Cards
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- Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
- Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your 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
- Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
- Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
- See More Details & Reviews About TheCapital One® Spark® Miles for Business
- Limited Time Offer: Earn up to $2,000 in cash bonuses
- Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- $0 annual fee for the first year; $95 after that
- $0 Fraud Liability if your card is lost or stolen
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Spark® Cash for Business
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Save on interest with 0% intro APR on purchases for 12 months; 14.49% - 22.49% variable APR after that
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Spark® Cash Select for Business
- Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Free employee cards, which also earn unlimited 1% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No annual fee
- Build and strengthen credit for your business by using this credit card responsibly
- $0 Fraud Liability if your card is lost or stolen
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Spark® Classic for Business
- Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
- Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
- Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Free employee cards which also earn unlimited 1.5X miles from their purchases
- Save on interest with 0% intro APR on purchases for 12 months; 14.49% - 22.49% variable APR after that
- No annual fee
- See More Details & Reviews About TheCapital One® Spark® Miles Select for Business
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What is the best Capital One business credit card?
The best Capital One business credit card is Capital One® Spark® Cash for Business. It offers a $2,000 initial bonus and doesn’t let up in terms of ongoing rewards, giving 2% cash back on purchases. That’s 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.
2020’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 | $2,000 | 2% Cash Back |
| Travel | Capital One® Spark® Miles for Business | $0 for 1st yr, $95 after | 200,000 miles | 2 miles / $1 |
| Cash Back & No Annual Fee | Capital One® Spark® Cash Select for Business | $0 | $200 | 1.5% Cash Back |
| Miles & No Annual Fee | Capital One® Spark® Miles Select for Business | $0 | 20,000 miles | 1.5 miles / $1 |
| Limited Credit | Capital One® Spark® Classic for Business | $0 | 1% Cash Back |
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.
Questions & Answers
Comparing capital one business credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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How can I redeem Capital One Spark business rewards? Reply
All you have to do to redeem your Capital One Spark business rewards is to sign up for an account on capitalone.com or via their mobile app. After logging in, click your rewards balance, then choose your redemption option. You can take your cash back as a statement credit, which reduces your outstanding card balance and many more options.
What are the Capital One Spark Business annual fees? Reply
What's the best Spark business card? Reply
The best Spark business card is Capital One Spark Cash for Business because it gives 2% cash back on all purchases and offers a $500 cash bonus for spending $4,500 in the first 3 months. Capital One Spark Cash for Business also has a $0 annual fee the first year ($95 after).
If you plan to use your card more for travel, the best Spark business card is Capital One Spark Miles for Business. It gives 2 miles per $1 spent and offers a bonus of 50,000 miles (still worth $500).
If you don’t want to pay an annual fee, the best Spark Business card is either Spark Cash Select or Spark Miles Select. The rewards aren’t as good, but these cards don’t cost anything to own and offer 0% APRs for 9 months on purchases.
2020 Capital One Spark Business Cards:
- Capital One Spark Cash for Business: 2% cash back on all purchases. $500 cash bonus for spending $4,500 in the first 3 months. $0 annual fee first year, $95 after. 18.74% (V) regular APR. Good personal credit required.
- Capital One Spark Miles for Business: 2 miles per $1 on all purchases. 50,000 miles bonus ($500 value) for spending $4,500 in the first 3 months. $0 annual fee first year, $95 after. 18.74% (V) regular APR. Good personal credit required.
- Capital One Spark Cash Select for Business: 1.5% cash back on all purchases. $200 cash bonus for spending $3,000 in the first 3 months. $0 annual fee. 0% APR for 9 months on purchases. Good personal credit required.
- Capital One Spark Miles Select for Business: 1.5 miles per $1 on all purchases. 20,000 miles bonus ($200 value) for spending $3,000 in the first 3 months. $0 annual fee. 0% APR for 9 months on purchases. 14.74% - 22.74% (V) regular APR. Good personal credit required.
- Capital One Spark Classic for Business: 1% cash back on all purchases. $0 annual fee. 24.74% (V) regular APR. For business owners with limited personal credit.
Each of the Capital One Spark business cards caters to different needs. But they have a few things in common. None of them charge foreign transaction fees, for example. And all of the Spark business cards let you get employee cards at no extra cost.
What's the Capital One Spark Classic credit score requirement? Reply
The Capital One Spark Classic credit score requirements aren't as harsh as you might think. A score of 660 should put you in a good position. Having a certain score doesn’t guarantee that your application for a certain card will be approved since they will also look at your income, past negatives, and credit utilization.
Another thing to consider is that the Capital One Spark Classic is designed with people with limited credit in mind, so you should be able to qualify for the Spark even if you have less than 3 years of credit history. Good luck with your application!
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