Capital One Business Credit Card
Capital One business credit card is designed to meet the needs of small business owners, providing rewards, cash back, and various benefits. Capital One provides multiple business credit card options tailored for different business needs. These cards offer benefits like travel rewards, cash back, and flexible payment options to help businesses manage expenses efficiently. In this guide, we’ll explore the best Capital One business credit cards, how to apply, and frequently asked questions.
Best Capital One Credit Card for Business:
Venture X Business
Purchase + Travel Card
Unlimited 10X Miles at Hotels & Car Rentals & 5X Miles at flight booking by Capital One Travel.
Welcome Bonus 150,000 Bonus Miles during first 3 months of account opening + $300 Annual Capital One Credit.
Rewards Unlimited 2X Miles at every purchase
Annual Fee $395
Cash Advance 5%
Foreign Transaction Fee $0
Credit History Excellent
Late Payment 2.99%
Pay in full card
Spark 2% Cash Plus
Purchase + Cash Rewards
Unlimited 5% Cash Back at Hotels & Car Rentals booking through Capital One Travel.
Welcome Bonus $4,000, Get $2,000 after spending $30,000 during first 3 months and $2,000 for every spent $500,000 in first year.
Rewards Unlimited 2% Cash Back at every purchase
Annual Fee $150
Cash Advance 5%
Foreign Transaction Fee $0
Credit History Excellent
Late Payment 2.99%
Pay in full card
Spark 2X Miles Card
Travel + Low Annual Fee
Unlimited 5X Miles at Hotels & Car Rentals booking through Capital One Travel.
Welcome Bonus 50,000 Bonus Miles after spending $4,500 during first 3 months + Transfer Miles to 15+ Travel Partners.
Rewards Unlimited 2X Miles at every purchase
Annual Fee $0 for first year
Cash Advance 5%
Foreign Transaction Fee $0
Credit History Excellent
Late Payment $39+33.65%
25.24% Purchase Rate
Spark 2% Cash Card
Cash Rewards + Low Annual Fee
Unlimited 5% Cash Back at Hotels & Car Rentals booking through Capital One Travel.
Welcome Bonus One-time $750 cash bonus after spending $7,500 within first three months of account opening.
Rewards Unlimited 2% Cash Back at every purchase
Annual Fee $0 for first year
Cash Advance 5%
Foreign Transaction Fee $0
Credit History Excellent
Late Payment $39
25.24% Purchase Rate
Spark 1.5X Miles Select
Travel Card + No Annual Fee
Unlimited 5X Miles at Hotels & Car Rentals & 5X Miles at flight booking by Capital One Travel.
Welcome Bonus 50,000 Bonus Miles after spending $4,500 during first 3 months of account opening.
Rewards Unlimited 1.5X Miles earning at every purchase
Annual Fee $0
Cash Advance 5%
Foreign Transaction Fee $0
Credit History Excellent
APR 17.49% to 23.49% Variable
Spark 1.5X Cash Select
Cash Rewards + No Annual Fee
Unlimited 5% Cash Back at Hotels & Car Rentals booking through Capital One Travel.
Welcome Bonus Earn $500 Cash Bonus after spending $4,500 during first 3 months of account opening.
Rewards Unlimited 1.5% Cash Back at every purchase
Annual Fee $0
Cash Advance 5%
Foreign Transaction Fee $0
Credit History Excellent
APR 17.49% to 23.49% Variable
Spark 1% Classic Credit Card
Best for Bad Credits + Low Annual Fee
Unlimited 5X Miles at Hotels & Car Rentals booking through Capital One Travel.
Welcome Bonus Earn Unlimited rewards with building credits. However, this car does not have welcome bonus.
Rewards Unlimited 1% cash back at every purchase
Annual Fee $0
Cash Advance 5%
Foreign Transaction Fee $0
Credit History Excellent
APR 29.74% Variable
Types of Capital One Business Card
Capital One has six types of Business Cards. We will discuss all one by one.
1. Spark 2% Cash Plus
Spark 2% Cash Plus is suitable for the businesses that always want pay bill within due dates and with full amount. This card has high annual fee that is $150 but it will be offset with its benefits. This card (Capital One Credit Card) has onetime cash bonus of worth $1,000, Spark 2% Cash Plus also give you opportunity to get annual bonus of $200 each year after spending $200,000. No other card in the market has such a big annual cash offer. Just imagine that if your monthly spending is $100,000, you can earn $24,000 cash back annually. This card also provides facilities just like automatic payments, $0$ fraud liability, year-end summaries, Assignment of account manager, purchase records & virtual card numbers. Just put your 10 minutes to apply the card.
Rewards
- Get earning of 5% cash back hotel & car rental booking through Capital One Travel.
- This card has earning 2% cash back on all other purchases.
Welcome Bonus
Just spend $500 during first 3 months of getting card membership and earn onetime cash bonus of $500, then further spend $50,000 during the six months and earn more $500. Total Bonus from this card will be $1,000.
Annual Fee:
At this card annual fee is $0.
2. Spark 1.5% Cash Select
Spark 1.5% Cash select (Capital One Credit Card) is best for such a business that want pay monthly bill within due date with full amount and want to earn maximum rewards and bonus without paying any annual fee. If your monthly spending are $50,000 than you have opportunity to earn $9,000 annually in shape of cash back. This card offer 1.5% unlimited cash back at all kind of purchases. By using Capital One Travel, rate of earning reaches at 5% that in unmatchable by any competitor. To apply for this card, you needed just 10 minutes, put business owner and your business information; card will be at your door step within 10 business days. This card has extra features such as $0 fraud liability, year-end summaries, account manager assignment, purchase record and virtual card number.
Rewards
- Reward is 5% cash back at hotel & car rental booking through Capital One Travel.
- Unlimited 2% cash back on all other purchases.
Welcome Bonus
Just spend $4,500 during first ninety days of getting card membership and earn $500.
Annual Fee
Annual Fee at this card is $0.
3. Spark 1% Classic Credit Card
Spark 1% Classic Credit Card (Capital One Credit Card) is best for such a businesses that have need of credit building. Credit Score building need arise when you have some bad financial decision in the past or you are new to the credit card history and want become good future credit card user. In both cases you have need of excellent credit score. This card will meet your this need of credit building.
This card offers you to pay minimum payment of 15% outstanding amount with 1% mark up. This will secure your credit history. If your credit score is fair, you have opportunity to avail this card. This card will lead you towards excellent credit score. This card has zero annual fees with 1% unlimited cash back rewards at all kinds of purchases. Suppose that your monthly spending through this card is $10,000, then you can earn $1200 annually. This card has extra features such as $0 fraud liability, year-end summaries, account manager assignment, purchase record and virtual card number.
Rewards
- Earn 5% cash back hotel & car rental booking through Capital One Travel.
- Get 2% unlimited cash back on all other purchases.
Welcome Bonus
This card does not have any welcome or sign-up bonus.
Annual Fee
Annual Fee at this card is $0.
4. Spark 2X Miles Credit Card
Spark 2X Miles Credit Card ( Capital One Credit Card ) is especially for such a businesses that have need of occasional travelling. Now world have become global village, mostly business have cross border customers & set ups, so for supplier agreements, business meetings, employee vacation tours, machinery purchase, or expansion of business have occasionally need of travel. With this card your business can get 5X Miles on hotels $ rental car bookings. You can also get up to $100 credit for Global Entry or TSA Pre.
There is no annual fee for the first year, after that you will be charged $95 as annual fee. However this annual fee will be offset with its benefits. You have opportunity to earn 2X Miles at all kind of purchases. This card have awesome welcome bonus. You can get one-time bonus of 50,000 miles after spending $4,500during the first 90 days of card membership. These earned miles can be redeemed at flights, hotels & vacation packages. When your monthly spending through this card is $50,000 you will get 1200,000 miles annually as a reward.
You have need of just 10 minutes to apply for this card, just put business owner and business details online and get card in10 business days. For this card you have need of excellent credit score history. Extra features in this card are $0 Fraud Liability, Year End Summaries, Account Manager Assignment, Purchase Record and Virtual Card.
Rewards
- 5X Miles earning for hotel & car rental booking through Capital One Travel.
- 2X Miles on all other purchases.
- $100 credit for Global Entry or TSA Pre.
Welcome Bonus
Spent $4,500 within first 90 days of card membership and earn 50,000 Bonus Miles. Spending of bonus restricted to Capital One Travel Partners.
Annual Fee
This card does have any fee for first year. After first year annual fee, be $95.
5. Spark 1.5X Miles Select Credit Card
Spark 1.5X Miles Select Credit Card ( Capital One Credit Card ) is best for the businesses that have need of travel. Businesses can reduce their operating costs of travel. Beauty of this card is that it does not have annual fee and foreign transaction fee is also zero. One more attraction of this card is that it have 0% Intro APR for the first nine (9) months.
Drawback of this card is that it does not have welcome bonus. You can earn 5X Miles at travel through Capital One Travel. You will get 1.5X Miles for all other purchases.
You have need of just 10 minutes to apply for this card, just put business owner and business details online and get card in10 business days. For this card you have need of excellent credit score history. Extra features in this card are $0 Fraud Liability, Year End Summaries, Account Manager Assignment, Purchase Record and Virtual Card.
Rewards
- Attractive earning of 5X Miles for hotel & car rental booking through Capital One Travel.
- 2X Miles on all other purchase.
Welcome Bonus:
No welcome bonus.
Annual Fee
Zero annual fees.
How to Get a Capital One Business Credit Card
To apply for a Capital One business credit card, follow these steps:
Choose the Right Card – Select a card that aligns with your spending habits and rewards preferences.
Check Eligibility – Ensure you meet the credit score and income requirements.
Gather Business Information – Provide details such as your business name, address, revenue, and tax ID.
Apply Online – Visit Capital One’s website and fill out the application form.
Wait for Approval – Capital One will review your application and notify you of their decision.
Best Capital One Credit Card for Small Business
Some of the top Capital One business credit cards include:
Capital One Spark Cash Plus – Offers unlimited 2% cash back on all purchases.
Capital One Spark Miles for Business – Provides 2x miles per dollar spent, ideal for frequent travelers.
Capital One Spark Classic for Business – A great option for those with fair credit, offering 1% cash back.
Capital One Business Credit Card Pre-Approval
Capital One does not offer pre-approval for business credit cards. However, you can check for personalized offers by using Capital One’s pre-qualification tool for personal cards.
Capital One Business Credit Card Offers
Capital One frequently updates its business credit card offers, which may include welcome bonuses, introductory 0% APR, and additional cash back rewards. Check the Capital One website for the latest promotions.
Capital One Business Credit Card Cash Back
Many Capital One business credit cards provide cash back benefits. For example, the Spark Cash Plus card offers unlimited 2% cash back on all purchases with no spending limits.
Frequently Asked Questions
Is Capital One a Good Business Card?
Yes, Capital One business credit cards are highly rated for their rewards programs, flexible payment options, and lack of foreign transaction fees.
What Credit Score Is Needed for a Capital One Business Credit Card?
Most Capital One business credit cards require a good to excellent credit score (700+). However, the Spark Classic card is available for those with fair credit (580-669).
Is It Hard to Get a Capital One Business Credit Card?
Approval depends on your credit score, business revenue, and financial history. Those with strong credit have a higher chance of approval.
Is Capital One a Visa or Mastercard?
Capital One offers both Visa and Mastercard business credit cards, depending on the specific card.
Is Capital One a Good Bank?
Capital One is considered a reliable bank, offering competitive credit card options, online banking, and business solutions.
Is Capital One Accepted Internationally?
Yes, Capital One business credit cards are widely accepted worldwide and do not charge foreign transaction fees.
Final Thoughts
Capital One business credit cards provide excellent rewards, competitive rates, and international acceptance. Whether you need cash back, travel miles, or an option for fair credit, there is a Capital One business card to suit your needs.