The Capital One Spark Cash Plus is our top choice due to its simple — and unlimited — rewards structure. It offers Earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel.
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.
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
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.
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
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.
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
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.
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
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.
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
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.
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
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.
| 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 | |
|---|---|---|---|---|---|
|
Capital One Spark Cash Plus*
|
Winner (Capital One cash back rewards)
|
$2000 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 | Earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel | Excellent | |
|
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 Travel | Excellent | |
|
Capital One Spark Cash Select for Good Credit*
Learn More
on Capital One's secure site |
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 |
Learn More
on Capital One's secure site |
|
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 Travel | Good / Excellent | |
|
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 | |
|
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 |
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:
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.
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.
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 | Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. | 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on 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 |
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:
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.
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.
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 Plus, Capital One Spark Cash Select, Capital One Spark Cash Select for Good Credit, Capital One Spark Miles for Business, Capital One Spark Miles Select for Business, Capital One Spark Classic for Business, Ink Business Cash® Credit Card, The American Express Blue Business Cash™ Card and The Business Platinum Card® from American Express has been 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.
