Capital One Business Credit Cards
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- 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
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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.
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 | $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 | $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 | 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
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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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