Capital One Business Credit Cards
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Capital One® Spark® Cash Select for Business Capital One® Spark® Cash Select 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 9 months; 13.99% - 23.99% 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
Capital One® Spark® Classic for Business Capital One® Spark® Classic 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
GM BuyPower Business Card from Capital One GM BuyPower Business Card from Capital One
- 5% Earnings on purchases of GM parts, accessories and service at authorized GM Dealers.
- 3% Earnings on purchases at gas stations, restaurants and office supply stores.
- 1% Earnings on all other purchases. There’s no limit to the amount of Earnings you can build up or redeem.
- Earnings can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle.
- Assign additional employees cards linked to your Account, set individual spending limits and track individual spending activity.
- Mastercard easy savings: Enjoy exclusive savings with automatic rebates when you use your card at participating merchants nationwide.
- See More Details & Reviews About TheGM BuyPower Business Card from Capital One
Capital One® Spark® Cash for Business Capital One® Spark® Cash for Business
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from 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
Capital One® Spark® Miles Select for Business Capital One® Spark® Miles Select 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 9 months; 13.99% - 23.99% 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 $500 initial bonus for spending $4,500 within three months of opening an account 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.
2021's Best Capital One Credit Card Offers
| Card Name | Best For | Annual Fee | Initial Bonus | Ongoing Rewards |
| Capital One® Spark® Cash for Business | Overall | $0 for 1st yr, $95 after | $500 | 2% Cash Back |
| Capital One® Spark® Miles for Business | Travel | $0 for 1st yr, $95 after | 50,000 miles | 2 miles / $1 |
| Capital One® Spark® Cash Select for Business | Cash Back & No Annual Fee | $0 | $200 | 1.5% Cash Back |
| Capital One® Spark® Miles Select for Business | Miles & No Annual Fee | $0 | 20,000 miles | 1.5 miles / $1 |
| Capital One® Spark® Classic for Business | Limited Credit | $0 | N/A | 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.
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 do I apply for a Capital One business credit card? Reply
The most straightforward way to apply for a Capital One business credit card is online. You can also submit an application in a Capital One branch or by phone, at 800-695-5500. No matter how you apply, your application is taken into account for instant approval.
The process of applying for a Capital One business credit card is similar to that for a personal credit card. There are just a few additional sections that ask questions that are specific to your business. Those specific details are your business legal structure, your business tax ID number, business ownership type, industry type, category, and specialty, and an annual approximation of your business' revenue and expenses.
As with any credit card, you'll need your personal information and the application will result in a hard inquiry, so that's a slight dent in your credit score, for a short while.
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 / $1 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.
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. 20.99% (V) regular APR. Good personal credit required.
- Capital One Spark Miles for Business: 2 miles / $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. 20.99% (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 / $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. 13.99% - 23.99% (V) regular APR. Good personal credit required.
- Capital One Spark Classic for Business: 1% cash back on all purchases. $0 annual fee. 26.99% (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 payment address for Capital One business credit cards? Reply
The Capital One business credit card payment address is Capital One, Attn: Payment Processing, PO Box 71083, Charlotte, NC 28272-1083. This is the address to mail all Capital One credit card payments, not just those for business credit cards.
Cardholders can send either a check or a money order to this address in order to pay their credit card bill. Capital One will not accept payments of cash by mail. For the fastest processing time on the payment, Capital One recommends that cardholders write their card number on their check or money order.
Make sure to mail any Capital One business credit card payments well in advance of your due date. Capital One will determine whether the payment is late based on when they receive it, not when the mail is postmarked.
If you want to overnight your payment rather than sending it by regular mail, the proper Capital One business credit card payment address is Capital One, Attn: Payment Processing, 6125 Lakeview Rd, Suite 800, Charlotte, NC 28269. Capital One recommends that you do not use USPS priority mail for overnight payments, but rather an express service like FedEx, UPS or DHL.
Which is better, Chase Ink or Capital One Spark? Reply
Chase Ink cards are better than Capital One Spark cards overall. There are several Chase Ink and Capital One Spark business credit cards, and the best of the bunch is Chase Ink Preferred because it offers valuable travel rewards and a sizeable bonus, with a relatively low cost compared to other premium travel cards.
However, there are some categories where Capital One Spark cards are better than Chase Ink cards.
Cash Back: The best card from Chase Ink and Capital One Spark for cash back rewards is Capital One Spark Cash. It offers the highest flat rate of cash back among all the cards, and has features like free employee cards and a good initial bonus.
No annual fee: The best Chase Ink or Capital One Spark card with no annual fee is Chase Ink Business Unlimited, as it offers higher-than-average cash back rewards and a respectable bonus, along with promotional financing opportunities.
Financing: Chase Ink cards offer better opportunities for financing purchases than Capital One Spark cards, though both Chase and Capital One do have financing promotions. Neither card group is good for balance transfers, though.
Requirements: Capital One Spark credit cards are available to business owners with fair/limited credit or better, depending on the card. All Chase Ink cards require at least good credit.
In general, while Chase Ink credit cards tend to take the lead over Capital One Spark credit cards, it’s really best to compare the individual cards you’re interested in side by side, as well as to understand which cards you qualify for. You can always have a card from each issuer in your wallet to serve different needs, too.
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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