Best Capital One business cards of July 2024
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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 5:05 a.m. UTC July 1, 2024
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Capital One business credit cards are a great option for business owners who don’t want to deal with a complicated rewards program. With a flat rewards rate on every purchase, plus bonus rewards on select Capital One Travel purchases, there’s likely a Capital One business credit card that’s right for you. Here are our top choices for the best Capital One business cards of 2024.
Best Capital One business credit cards
- Best Capital One business card: Capital One Spark 2X Miles *
- Best charge card: Capital One Spark 2% Cash Plus *
- Best cash-back card with no annual fee: Capital One Spark 1.5% Cash Select *
- Best travel card with no annual fee: Capital One Spark 1.5X Miles Select *
- Best for premium travel perks: Capital One Venture X Business Card *
- Best for fair credit: Capital One Spark 1% Classic *
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 7 cards analyzed.
- 5+ data points considered.
- 5-step fact-checking process.
Best Capital One business card
Capital One Spark 2X Miles
*The information for the Capital One Spark 2X Miles has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best charge card
Capital One Spark 2% Cash Plus
*The information for the Capital One Spark 2% Cash Plus has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best cash-back card with no annual fee
Capital One Spark 1.5% Cash Select
*The information for the Capital One Spark 1.5% Cash Select has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best travel card with no annual fee
Capital One Spark 1.5X Miles Select
*The information for the Capital One Spark 1.5X Miles Select has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for premium travel perks
Capital One Venture X Business Card
*The information for the Capital One Venture X Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for fair credit
Capital One Spark 1% Classic
*The information for the Capital One Spark 1% Classic has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Compare the best Capital One business credit cards
Earn 50,000 bonus miles once you spend $4,500 in the first 3 months
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
Earn a one-time $750 cash bonus once you spend $6,000 on purchases within the first 3 months from account opening.
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel.
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The information for the Capital One Spark 2X Miles has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Capital One Spark 2X Miles * The information for the Capital One Spark 2X Miles has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a high rewards rate on every purchase you make. Additionally, the card’s welcome bonus is large enough to cover the card’s annual fee for several years, and redemption options are incredibly flexible—book travel through Capital One Travel, request a statement credit for travel purchases made with your card or transfer your rewards to partner airline and hotel loyalty programs. The card also comes with an application fee credit for Global Entry or TSA PreCheck.
- Annual fee: $0 intro annual fee for the first year; then $95.
- Rewards: 2 miles per $1 on every purchase and 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment.
- Welcome bonus: 50,000 bonus miles after spending $4,500 on purchases in the first three months of account opening.
- APR: 26.24% variable APR on purchases and balance transfers.
The information for the Capital One Spark 2% Cash Plus has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
If your business has high expenses, the lack of a preset spending limit with the Capital One Spark 2% Cash Plus * The information for the Capital One Spark 2% Cash Plus has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. could be helpful. The card also offers an impressive welcome bonus, a high rewards rate on every purchase and a refund of the annual fee if you spend more than $150,000 in purchases by your membership anniversary date.
- Annual fee: $150.
- Rewards: 2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
- Welcome bonus: $1,200 cash bonus after spending $30,000 in the first three months of account opening.
- APR: There is no APR because the balance is due in full every month. If the bill is paid late, a 2.99% late fee will be charged each month.
The information for the Capital One Spark 1.5% Cash Select has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
If you prefer the flexibility of cash back and no annual fee, look no further than the Capital One Spark 1.5% Cash Select * The information for the Capital One Spark 1.5% Cash Select has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . Despite its low carrying cost, it also offers a solid welcome bonus and a decent rewards rate on all of your purchases.
- Annual fee: $0.
- Rewards: 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
- Welcome bonus: $750 cash bonus after spending $6,000 on purchases in the first three months of account opening.
- APR: 18.49% to 24.49% variable APR on purchases and balance transfers.
The information for the Capital One Spark 1.5X Miles Select has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
If you don’t want an annual fee but you prefer travel rewards over cash back, the Capital One Spark 1.5X Miles Select * The information for the Capital One Spark 1.5X Miles Select has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. should be on your radar. It offers the same rewards rates as the Spark Cash Select, but you’ll be able to focus your efforts on travel redemptions.
- Annual fee: $0.
- Rewards: 1.5 miles per $1 on every purchase and 5 miles per $1 on hotels and rental cars booked through Capital One Travel.
- Welcome bonus: 50,000 miles after spending $4,500 on purchases in the first three months of account opening.
- APR: 18.49% to 24.49% variable APR on purchases and balance transfers.
The information for the Capital One Venture X Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Capital One Venture X Business Card * The information for the Capital One Venture X Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a significant welcome bonus, albeit with a steep minimum spending requirement. The card also offers a high rewards rate on all of your purchases, plus various travel perks — including an annual $300 credit for Capital One Travel bookings, 10,000 bonus miles after every anniversary year, complimentary access to multiple airport lounge networks and an application fee credit towards Global Entry or TSA PreCheck.
- Annual fee: $395.
- Rewards: 10 miles per $1 on hotels and rental cars booked via Capital One Travel, 5 miles per $1 on flights booked via Capital One Travel and purchases through Capital One Entertainment, 2 miles per $1 on other eligible purchases.
- Welcome bonus: 150,000 miles after spending $30,000 in the first three months of account opening.
- APR: This card does not have an APR but a late fee of 2.99% applies if the card is not paid in full each month.
The information for the Capital One Spark 1% Classic has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
If your personal credit score is just fair — generally a FICO Score between 580 and 669 — your business credit card options are limited and you may need to meet other stringent requirements to get approved — such as a minimum bank account balance. With the Capital One Spark 1% Classic * The information for the Capital One Spark 1% Classic has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , you don’t need to worry about those other requirements and you can earn rewards on every purchase you make.
- Annual fee: $0.
- Rewards: 1% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
- Welcome bonus: None.
- APR: 29.99% variable APR on purchases and balance transfers.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product, and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:
Any annual fees and how the fee compares with other cards in this category.
- Rewards rates.
- Welcome bonuses.
- Any benefit or perks that make the card stand out.
- Any potential drawbacks.
Should you get a Capital One business credit card?
A Capital One business credit card could be worth considering if you have a lot of expenses in different categories or if you don’t want to keep track of various rewards rates. With most cards offering 1.5% to 2% back in the form of cash back or miles, a business that spends $3,000 per month could earn between $540 and $600 worth of rewards each year.
Additionally, if you want a travel rewards card — Capital One offers more flexibility than most travel rewards programs, when it comes to redeeming your miles.
That said, if your business spends a lot in a single category — you may be able to get more cash back, points or miles with a card that offers a tiered rewards program with bonus rewards on certain expenses.
Looking for the best business travel rewards cards? We’ve got you covered.
Guide to Capital One business credit cards
If you’re thinking about applying for a Capital One business credit card, it’s important to make sure you pick the right one for you and use it to make the most of your business expenses.
Choosing the best Capital One business credit card
Because Capital One business credit cards all offer flat rewards rates on every purchase you make — with some cards giving you bonus rewards on select Capital One Travel bookings — the right one for you comes down to three factors:
- Your credit score: Most of the best Capital One business credit cards require good or excellent credit. Check your credit score before you apply to gauge your approval odds. If your score is fair, your best bet is the Capital One Spark Classic for Business.
- Your rewards preference: Consider whether you’d rather earn cash back or travel rewards on your everyday business expenses. While cash-back offers more flexibility than miles — you may opt for a travel credit card if you’d prefer to avoid using rewards for other purposes.
- Annual fee: Cards with annual fees tend to have more valuable perks and welcome offers. However, you’ll need to decide if paying an ongoing annual fee is worth it for your business.
What can I use my Capital One business credit card for?
You can use your Capital One business credit card to make everyday purchases for your business. Note, however, that some vendors and merchants may not accept credit cards as a payment method — so you may need to use another form of payment.
You can also use your card to request cash advances or balance transfers. Keep in mind that cash advances and balance transfers come with extra fees and cash advances are also subject to a higher interest rate. Additionally, most Capital One business credit cards don’t offer an introductory APR on balance transfers.
How to get approved for a Capital One business card
If you’re interested in applying for a Capital One business credit card, check your credit score to get an idea of where you stand. Then, apply for a card that you have a good chance of getting approved for based on that information.
When you’re ready to apply, you’ll provide the following information:
- Name.
- Date of birth.
- Social Security Number.
- Residential address.
- Email address and phone number.
- Business role.
- Annual income.
- Housing status and monthly payment.
- Business name.
- Business legal structure.
- Business address and phone number.
- Ownership type.
- Employer identification number (if you have one).
- Age of the company.
- Industry.
- Annual revenue and monthly expenses.
You’ll also answer a few other questions about your business, then review the card’s terms and conditions before submitting your application. You’ll typically get a decision within seconds.
Frequently asked questions (FAQs)
Yes, a Capital One business credit card can be a great option for small businesses that have a lot of expenses across multiple categories or don’t have many expenses at all.
They’re also worth considering if you prefer to avoid the complexity of other business rewards credit cards that offer tiered rewards programs that require you to keep track of different spending categories.
Most Capital One business credit cards require good or excellent credit, meaning a FICO score of 670 or higher. However, you can get approved for the Capital One Spark Classic for Business if you have fair credit, which starts at a FICO score of 580.
The Capital One Venture X Business Card has the highest annual fee and offers the most perks of all of the Capital One business credit cards. If your business can spend enough to earn the card’s welcome bonus, you’ll enjoy premium travel perks — which provide enough value to cover the card’s annual fee.
If you prefer cash-back rewards and a lower annual fee, however, the Capital One Spark Cash Plus may be a better choice.
Yes, all Capital One business credit cards offer rewards, either in the form of cash back or travel miles.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
*The information for the Capital One Spark 1% Classic, Capital One Spark 1.5% Cash Select, Capital One Spark 1.5X Miles Select, Capital One Spark 2% Cash Plus, Capital One Spark 2X Miles and Capital One Venture X Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
