On this page
- Best Capital One Business Credit Card
- Compare Capital One business credit cards
- Which Capital One business credit card is best for you?
- Is there a Capital One business credit card with no personal guarantee?
- Alternatives to Capital One Spark cards
- Requirements for Capital One business credit cards
- Frequently asked questions
- Methodology: How we chose the best Capital One credit cards
Best Capital One Business Credit Cards in 2025
Our top pick for best Capital One business credit card
Our top pick for best Capital One business credit card
Capital One Spark Cash Plus
The Capital One Spark Cash Plus is our top choice due to its simple — and unlimited — rewards structure. It offers 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site.
All of Capital One’s Spark business credit cards offer small business owners the opportunity to earn rewards at a flat rate. The best Capital One credit card for your business depends on whether you’re looking for cash back, travel rewards, low intro APR, no card fee or something else.
Best Capital One Business Cards in 2024
Winner (Capital One Spark Cash Plus)
Capital One Spark Cash Plus
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.


How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: $1,200
- No preset spending limit
- High flat cash-back rate
- Unlimited cash back
- Earn huge sign-up bonus
- $150 annual fee (refunded when you spend $150,000-plus in a year)
- High spend requirement for sign-up bonus
- Must be paid in full every month
- Late fee of 2.99% of the unpaid portion
The Capital One Spark Cash Plus is one of the best business cards available for business owners who need to spend a lot. It offers a large sign-up bonus, a simple cash-back rewards structure and has no preset spending limit. This card may work best for business owners who travel infrequently and prefer cash back over miles. Just remember, you have to pay the balance in full every month.
- Click APPLY NOW to apply online.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
No annual fee and a sign up bonus
Capital One Spark Cash Select
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.


How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: $750
Earn $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening
- $0 annual fee
- Solid welcome offer
- Simple cash-back rewards
- Hard to qualify for
- Lower cash-back rate
- No intro APR deal
The Capital One Spark Cash Select card will appeal to business owners on a budget who appreciate a straightforward cash-back rewards structure. The card offers a modest welcome bonus compared with our top choice Spark card, but it has a much lower required spending amount. Although it’s recommended for business owners with excellent credit, there’s a similar card designed for those with good credit: the Capital One Spark Cash Select for Good Credit.
- Click APPLY NOW to apply online.
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
No annual fee and an intro APR
Capital One Spark Cash Select for Good Credit*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.


How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro purchase APR: 0% for 12 months
Then, a 21.24% - 29.24% (variable) APR applies
- $0 annual fee
- Intro APR
- Simple cash-back rewards structure
- Easier to qualify for than some other business cards
- No sign-up bonus
- Lower earning potential than some other cards
Capital One Spark Cash Select for Good Credit card has nearly all the same benefits as the Capital One Spark Cash Select, but may work better for business owners with a slightly weaker credit history. It also offers an intro APR, unlike the Capital One Spark Cash Select. The intro APR rate lasts for a year, which is similar to other business cards that offer an introductory rate. The Capital One Spark Cash Select for Good Credit is a solid option for business owners who need to make a big purchase and pay it off over time.
- Click APPLY NOW to apply online.
- 0% Intro APR for the first 12 months; 21.24% - 29.24% variable APR after that
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
- Rates & Fees
Travel Rewards
Capital One Spark Miles for Business
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.


How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Travel rewards: Unlimited 2x miles
- Unlimited miles
- Earn large sign-up bonus
- Two free visits to Capital One airport lounges (until January 2025)
- Up to $100 credit for Global Entry or TSA PreCheck
- Annual fee: $0 intro for first year; $95 after that
- No intro APR deal
Capital One Spark Miles for Business is one of the best business credit cards for travel, especially for small business owners who travel frequently but have modest spending. It also offers high flat-rate rewards earning potential and a very competitive welcome bonus.
- Click APPLY NOW to apply online.
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from 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
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
Travel with no annual fee
Capital One Spark Miles Select for Business*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.


How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: 50,000 miles
- $0 annual fee
- Solid welcome offer
- Rental collision coverage
- Designed for business owners with good / excellent credit
- Lower miles earning rate
- No intro APR
Capital One Spark Miles Select for Business is a solid choice for business owners who fly frequently and want a competitive unlimited cash-back rate with a $0 annual fee. The rental car insurance coverage makes it a good choice for business owners who travel. And even if you’re not a big spender, you may still qualify for the welcome bonus.
- Click APPLY NOW to apply online.
- 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 50,000 miles – equal to $500 in travel – once you spend $4,500 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
- No annual fee
- Transfer your miles to 15+ leading travel loyalty programs like 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
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Business owners with fair credit
Capital One Spark Classic for Business*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.


How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Cash back rewards: Unlimited 1-5% cash back
Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel., 1% on everything else
- $0 annual fee
- Unlimited cash back
- May be able to qualify with lower credit scores
- No sign-up bonus
- A high APR of 29.74% (Variable)
- Lackluster rewards earning rate
The Capital One Spark Classic for Business is one of the best business credit cards for startups. It can also be a great fit for any business owners whose credit history may keep them from qualifying for other business cards. While the rewards earning rate is low compared with other cards, the card doesn’t charge an annual fee and allows business owners to get cash back while they’re rebuilding credit.
- Click APPLY NOW to apply online.
- Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- 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
- 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 foreign transaction fees
Compare Capital One business credit cards
Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
---|---|---|---|---|---|
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Capital One Spark Cash Plus
|
Winner (Capital One cash back rewards)
|
$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year | 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site | Excellent | |
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Capital One Spark Cash Select
|
No annual fee and a sign up bonus
|
$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening | 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site | Excellent | |
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Capital One Spark Cash Select for Good Credit*
|
No annual fee and an intro APR
|
N/A | 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel | Good | |
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Capital One Spark Miles for Business
|
Travel Rewards
|
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. | 2 Miles per $1 on every purchase, everywhere; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site | Good / Excellent | |
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Capital One Spark Miles Select for Business*
|
Travel with no annual fee
|
One-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening | 1.5 Miles per $1 on every purchase | Good / Excellent | |
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Capital One Spark Classic for Business*
|
Business owners with fair credit
|
N/A | Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. | Fair |
Which Capital One business credit card is best for you?
We picked the Capital One Spark Cash Plus as the best Capital One credit card for business. It makes earning rewards simple with a flat cash-back rate, and it has no preset spending limit, giving small business owners more flexibility and purchasing power.
But the best business card for you may be different depending on several factors, including:
- Travel: If your business is travel-heavy, then you may want to opt for a travel card, like the Capital One Spark Miles for Business, so you can rack up miles and fund business travel with rewards.
- Spending habits: If you have any big purchases coming up, you may want a credit card with a long intro 0% APR period to give you time to pay it off without accruing interest (for example, the Capital One Spark Cash Select for Good Credit).
- Credit history: If you don’t have good credit, then your pool of business credit card options may be limited. The best card for someone with poor or fair credit may be the Capital One Spark Classic for Business, since it’s easier to qualify for and can help you build your credit.
Keep in mind that if you may ever not be able to pay your bill in full monthly, you will want to choose a credit card that allows you to carry a balance from month to month. A charge card, such as the Spark Cash Plus for Business or Venture X Business, might not be right for you. Both require payment in full every month.
Is there a Capital One business credit card with no personal guarantee?
Almost all Capital One business cards require a personal guarantee, in which you agree that the credit card issuer can seek payment from you personally for a delinquent business account.
Limited vs. unlimited personal guarantees
With a limited personal guarantee, there is a cap on how much the card issuer can ask to be repaid. With an unlimited personal guarantee, the card issuer can demand you pay back the full amount, no matter how much it is.
If you’re looking for a Capital One credit card for business with no personal guarantee, you may want to look at a Capital One corporate card, such as the One Card. These cards rely on corporate liability instead of a personal guarantee from a business owner.
Alternatives to Capital One Spark cards
Capital One’s Spark cards can be great for small business owners looking for simple rewards structures. But if your business may get a better value from a different type of rewards structure, you might want to consider one of the following cards instead.
CREDIT CARD | WELCOME OFFER | REWARDS RATE | ANNUAL FEE |
---|---|---|---|
Ink Business Cash® Credit Card | Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. | $0 |
The American Express Blue Business Cash™ Card | Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. | Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. | $0 |
The Business Platinum Card® from American Express | Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25. | Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. | $695 |
Requirements for Capital One business credit cards
Anyone who is self-employed can apply for a Capital One business card — including independent contractors and small business owners with or without a limited liability company (LLC) or other formal structure.
What kind of credit is recommended for a Capital One business credit card?In order to qualify for a Capital One small business card, it’s generally recommended that you have good to excellent credit. However, there is one card — the Capital One Spark Classic for Business — that is open to applicants with fair credit.
The Capital One business credit card application will ask you for your personal information, including your Social Security Number (SSN) and your business title. You’ll also need to provide information about your business, including its:
- Legal structure
- Industry
- Annual revenue
- Monthly spending amount
- Employer identification number (EIN).
Frequently asked questions
Our pick for the best Capital One business credit card is the Capital One Spark Cash Plus card, but the best card for you depends on your needs and spending habits. A business owner who travels frequently and wants to rack up miles might want the Capital One Spark Miles for Business, while someone who wants to earn cash back without paying an annual fee might prefer the Capital One Spark Cash Select.
It’s fairly easy and fast to apply for a business credit card from Capital One. You can apply online or by calling 1-866-390-5934. If you got an offer in the mail, call the phone number provided. You’ll need to provide some personal information as well as your business financials and your tax or employer ID number.
Most Capital One small business cards do report to your personal credit. However, for customers that signed up after October 2020, the Capital One Spark Cash Plus won’t report to personal credit bureaus as long as your account is in good standing.
The following Capital One business credit cards earn cash back: Capital One Spark Cash Plus, Capital One Spark Cash Select, Capital One Spark Cash Select for Good Credit, and Capital One Spark Classic for Business.
Three Capital One small business cards earn miles: the Capital One Spark Miles for Business, Capital One Spark Miles Select for Business and the Capital One Venture X Business Card.
Yes, all Capital One small business cards allow cardholders to earn unlimited rewards. The rewards you earn don’t expire. However, you may lose any unused rewards if your account is closed.
Methodology: How we chose the best Capital One credit cards
To determine the best Capital One business cards for various categories, we evaluated the business credit and charge cards issued by Capital One on a variety of factors. Rewards, sign-up bonuses, intro APRs and annual fees were some of the primary factors considered.
Some of these cards charge an annual fee, but offer enough value in certain situations to make the fee worthwhile. Others charge no annual fee and thus may be better for smaller businesses.
Finally, none of the cards here charge a foreign transaction fee, meaning they’re all fine choices for when business takes you abroad.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
For Capital One products listed on this page, some of the benefits may be 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 related to the Capital One Spark Cash Select for Good Credit, Capital One Spark Miles Select for Business and Capital One Spark Classic for Business has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.