- The best Capital One business credit cards are the Capital One Spark Cash Plus, Capital One Spark Miles for Business, and Capital One Venture X Business.
- The Capital One Spark business cards offer a variety of reward structures to choose from.
- Using CardMatch can help match you with your perfect business credit card and won’t impact your credit score!
- While most of these cards require excellent credit, there are some options for those with fair or good credit.
When you buy something using links found on our site, we may earn a small affiliate commission. This content is reviewed & supervised by The Los Angeles Times.
On This Page
- Key takeaways
- Best Capital One business credit cards
- Let's compare Capital One business cards
- Best Capital One business cards: Editorial reviews
- Capital One Spark business card rewards
- Additional Capital One Spark business card benefits
- How to choose the best Capital One Spark business card
- How to apply for a Capital One Spark business card
- Alternatives to the Capital One Spark Business cards
- FAQ: Capital One Spark Business cards
On This Page
- Key takeaways
- Best Capital One business credit cards
- Let's compare Capital One business cards
- Best Capital One business cards: Editorial reviews
- Capital One Spark business card rewards
- Additional Capital One Spark business card benefits
- How to choose the best Capital One Spark business card
- How to apply for a Capital One Spark business card
- Alternatives to the Capital One Spark Business cards
- FAQ: Capital One Spark Business cards
Capital One Spark Business Cards: Which Is the Best?
Sarah Stasik - Personal Finance
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
Our top picks for the best capital one spark business cards
- Capital One Spark Cash Plus: Best Business Charge Card for Big Spenders
- Capital One Spark Miles for Business: Best for Basic Travel Rewards
- Capital One Venture X Business: Best for Premium Travel Rewards
- Capital One Spark Cash Select for Excellent Credit: Best for No Annual Fee
- Capital One Spark Cash Select for Good Credit: Best for 0% Intro APR Offer
- Capital One Spark Classic for Business: Best for Fair or Limited Credit
Best Capital One business credit cards
Advertiser Disclosure
Best Business Charge Card for Big Spenders
Capital One Spark Cash Plus
2% Reward Rate
Earn unlimited 2% cash back on all purchases.
Show More
Show Less
Annual Fee
$150
Welcome Offer
$1,200
Regular APR
N/A
Recommended Credit
Excellent (740 - 850)
Why we like it
The Capital One Spark Cash Plus credit card is a solid cash-back charge card option for businesses that spend a significant amount. It offers a flat rate of 2% cash back on all purchases and a generous welcome bonus. Plus, cardholders can have their $150 annual fee refunded each year they spend at least $150,000.
Show More
Show Less
Card Details
More Card Info
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Get your annual fee refunded every year you spend $150,000
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
Pros
- Generous welcome offer for high spenders
- High 2% cash back rate
- Charge card, so no APR
Cons
- No bonus categories
- Must pay card in full each month
- Has an annual fee
Bottom Line
For high-spenders, this business card is a solid option, but if you spend a lot in specific categories, another card may offer more value.
Best for Basic Travel Rewards
Capital One Spark Miles for Business
Up to 5X Reward Rate
Earn 5X miles on all hotel and car rental purchases and 2X miles on all other purchases.
Show More
Show Less
Annual Fee
$0 for the first year, then $95
Welcome Offer
50,000 miles
Regular APR
26.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
Capital One’s Spark Miles for Business is a good card to consider if you’re interested in earning flexible travel rewards when making everyday eligible purchases.
Show More
Show Less
Card Details
More Card Info
- 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
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- High rewards rate
- Free employee cards
- Two complimentary visits each year to Capital One Lounges or Plaza Premium Lounges
Cons
- Has an annual fee after the first year
- High APR
- No intro APR
Bottom Line
For business travelers who value simple rewards, this card meets the brief. It also has a low annual fee and a nice welcome offer.
Best for Premium Travel Rewards
Capital One Venture X Business
Up to 10X Reward Rate
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, earn unlimited 2X miles on all other purchases.
Show More
Show Less
Annual Fee
$395
Welcome Offer
150,000 miles
Regular APR
N/A
Recommended Credit
Excellent (740 - 850)
Why we like it
The premium travel benefits and easy-to-earn rewards available through the Capital One Venture X Business card can easily make up for the $395 annual fee.
Show More
Show Less
Card Details
More Card Info
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs.
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
- This is a pay-in-full card, so your balance is due in full every month
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
Pros
- Can qualify for hundreds of dollars in credits each year
- Unlimited access to Capital One Lounges
- Global Entry or TSA PreCheck credit
Cons
- High annual fee
- Can’t carry a balance from month to month
- Excellent credit required
Bottom Line
Although it comes with a steep price tag, this card boasts plenty of perks to make it worth it for the avid business traveler.
Best for No Annual Fee
Capital One Spark Cash Select for Excellent Credit
Up to 5% Reward Rate
Earn 5% cash back on rental car and hotel bookings through the Capital One Travel portal and earn 2% cash back on all other purchases.
Show More
Show Less
Annual Fee
$0
Welcome Offer
$750
Regular APR
18.49%-24.49% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
The Capital One Spark Cash Select for Excellent Credit is a great no-annual-fee business card option with modest rewards and a generous yet achievable welcome offer.
Show More
Show Less
Card Details
More Card Info
- 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
Pros
- No annual fee
- Unlimited 1.5% cash back on all purchases
- Free employee cards
Cons
- High APR
- Excellent credit required
Bottom Line
If you don’t want to pay an annual fee, this business card offers a decent reward rate and welcome offer for no yearly cost, but you’ll need excellent credit to qualify.
Best for 0% Intro APR Offer
Capital One Spark Cash Select for Good Credit
Up to 5% Reward Rate
Earn 5% cash back on rental car and hotel bookings through the Capital One Travel portal and earn 1.5% cash back on all other purchases.
Show More
Show Less
Annual Fee
$0
Welcome Offer
N/A
Regular APR
21.24%-29.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Capital One Spark Cash Select for Good Credit is one of the few business credit cards with an intro APR offer. Although it doesn’t have a welcome offer, if you have plans to make a large purchase and would like to have time to pay it off interest-free, this could be a good option.
Show More
Show Less
Card Details
More Card Info
- 0% Intro APR for the first 12 months; 21.24% - 29.24% variable APR after that
- 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
Pros
- Can qualify with good credit
- Intro APR period
- Free employee cards
Cons
- No welcome offer
- Lower rewards rate than some cards
Bottom Line
If you don’t want to pay an annual fee, this business card offers a decent reward rate and intro APR offer for no yearly cost, and you can qualify with good credit.
Best for Fair or Limited Credit
Capital One Spark Classic for Business
Up to 5% Reward Rate
Earn 5% cash back on rental car and hotel bookings through the Capital One Travel portal and earn 1% cash back on all other purchases.
Show More
Show Less
Annual Fee
$0
Welcome Offer
N/A
Regular APR
30.74% variable
Recommended Credit
Limited, Fair/Good (580 - 740)
Why we like it
The Capital One® Spark® Classic for Business isn’t a high-earning card and its APR is sky-high (30.74% variable). However, it has a lower credit score requirement than many business cards, giving business owners with limited or fair credit a chance to build it up.
Show More
Show Less
Card Details
More Card Info
- Build and strengthen credit for your business by using this credit card responsibly
- $0 fraud liability for unauthorized charges 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
Pros
- Can qualify with fair or limited credit
- Free employee cards
- No foreign transaction fees
Cons
- No welcome offer
- Lower rewards rate than many cards
- High APR
Bottom Line
Since options are limited when your business has fair or limited credit, this card is at least something to get you by until you qualify for something better.
Let's compare Capital One business cards
Card name
Best for
Reward rate
Annual fee
Welcome offer
Best Business Charge Card for Big Spenders
2%-5% cash back
$150
$1,200
Best for Basic Travel Rewards
2X-5X miles
$0 for the first year, then $95
50,000 miles
Best for Premium Travel Rewards
2X-10X miles
$395
150,000 miles
Best for No Annual Fee
1.5%-5% cash back
$0
$750
Best for 0% Intro APR Offer
1.5%-5% cash back
$0
N/A
Best for Fair or Limited Credit
1%-5% cash back
$0
N/A
Advertiser Disclosure
COMPARE CARDS
Capital One Spark business card rewards
The rewards structure you experience depends on which Spark business credit card you get.
If you choose a miles-based credit card, you can redeem your miles in numerous ways. In most cases, you get the greatest value by redeeming miles for travel through Capital One Travel. However, you can make a one-to-one miles transfer to other loyalty programs partnered with Capital One. For example, 10,000 Capital One miles could be transferred to the Choice Privileges program for 10,000 points.
You could also redeem miles as a statement credit reimbursement for travel expenses, to purchase exclusive Capital One Entertainment tickets or gift cards, or for cash-back statement credits. You can also transfer miles to someone else who has a Capital One card with the same miles program.
If you opt for a cash-back card, you earn cash rebates with your purchases. The easiest way to redeem cash back is as a statement credit. Note that this doesn’t typically count as your minimum payment due, so you may still need to make that even if your cash back is more than enough to cover it.
You can also request a check from Capital One for your cash back. You can use this to cover a specific recent purchase or transfer it as a payment to you via PayPal. Businesses might use cash back to cover purchases through Amazon or Capital One Travel or the cost of merchandise or gift cards through Capital One programs. Your redemption options may be limited by the rules related to your specific credit card account.
Additional Capital One Spark business card benefits
Your Capital One business credit card also offers perks and benefits designed to help you manage your company.
Here are a few of the benefits:
1
Free employee cards.
In most cases, you won’t pay extra for employees to have their own cards. This helps you maximize rewards and minimize tedious expense reimbursement processes.
2
Custom spending limits and account managers.
You can set up customized spending limits and rules for each employee to manage costs and assign account managers to help manage employee spending. Since you can see each transaction as soon as it posts, you can take a proactive approach to employee expense oversight.
3
Vendor payments.
For a 2.9% fee, you can set up invoice payments through Capital One to pay with your credit card even if a vendor doesn’t take credit cards on their end.
4
Business integrations.
You can connect your qualifying Capital One business credit card to financial and ERP platforms for easier management. Integrations supported include, but aren’t limited to, QuickBooks, Abacus and Xero.
5
Fraud protections.
You’re not held liable for charges made if your business cards are lost or stolen. You can also set up fraud and security alerts for additional peace of mind.
6
Business discounts.
Capital One Business Deals lets you save on common business expenses.
Advertiser Disclosure
COMPARE CARDS
How to choose the best Capital One Spark business card
Consider your credit situation and business and spending needs to figure out which of the Spark offerings might be best credit card for you.
These are some factors you should think about when choosing a Capital One Spark business card:
- Your credit score: The Spark Classic is an option if you’re still working on building excellent credit, and the Spark Cash Select for good credit may be an option if your score hovers in the high 600s or low 700s. The other cards on this list typically require excellent credit.
- Rewards options: Travel rewards cards make good sense for businesses with a lot of travel expenses. Otherwise, consider one of the cash-back card options.
- Fees and APR: Ensure you understand the costs of account ownership. Check out fee structures, particularly the annual fee, and choose a card with rewards you believe you can maximize to balance out these costs. If you plan to carry a balance, pay attention to APR — lower is typically better.
- Charge card vs. credit card: Charge cards don’t let you carry a balance. Businesses that might need to rely on cards to extend payments over time may want to opt for traditional credit cards.
How to apply for a Capital One Spark business card
You can apply for any of the Spark cards online.
The application is straightforward but does require the following:
- Personal information for the card account owner. You’ll need to enter your full name, contact information, date of birth, Social Security or Tax ID number and basic information about your income.
- Business information. You’ll need to know the business formation type, legal business name and contact information. The application also requires some information about the age of the business, revenue and spending habits.
- Completion of disclosures. You’ll have to attest that you read and agree to disclosures and other details regarding the credit card agreement.
Depending on the card you choose, you’ll need fair, good or excellent credit. It can take up to 10 days to find out if you’re approved, though some approvals may be almost instant. You typically receive your card within two weeks of approval.
Featured partner offers
Advertiser DisclosureCapital One Spark Cash Plus
LEARN MORE
on Bankrate's secure site
Key Information
Earn unlimited 2% cash back on all purchases. Works like a charge card, so your balance must be paid in full each month. $150 annual fee.
Show More
Show Less
Capital One Spark Miles for Business
LEARN MORE
on Bankrate's secure site
Key Information
- Earn 5X miles on all hotel and car rental purchases through Capital One Travel.
- Earn 2X miles on all other purchases.
- $95 annual fee after the first year.
Show More
Show Less
Capital One Venture X Business
LEARN MORE
on Bankrate's secure site
Key Information
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, earn unlimited 2X miles on all other purchases. $395 annual fee
Show More
Show Less
Alternatives to the Capital One Spark Business cards
Need a business card but want to go with a non-Capital One option?
Here are some alternatives:
- American Express® Business Gold Card. Earn an impressive welcome offer and customize your rewards structure to maximize earnings on your top two categories with this card (see rates and fees).
- Delta SkyMiles® Gold Business American Express Card. This branded airline card can ensure Delta loyalists maximize their rewards, making this a good option for businesses that often fly with Delta (see rates and fees).
- Ink Business® Cash Credit Card. This cash-back card lets you earn 5% on common business expenses and comes with account management perks similar to the Spark offerings.
- Southwest® Rapid Rewards® Premier Business Credit Card. This rewards card offers perks that Southwest loyalists can maximize.
FAQ: Capital One Spark Business cards
Is a Capital One Spark business card hard to get?
You can get approved for the Spark Classic cash-back card with fair credit. Other cards in this line tend to require good or excellent credit.
Does Capital One offer a secured credit card option for business?
No. Capital One doesn’t offer a secured business credit card. It does offer secured credit cards for individuals.
Do Capital One business cards require a personal guarantee?
Yes. Capital One requires a personal guarantee that balances will be paid as agreed. This is standard for most business credit cards.
What is the credit card limit for Capital One business cards?
Credit limits depend on your creditworthiness and ability to pay back any balance. On the low side, initial credit limits can be $500 to $5,000, depending on the card. Those with excellent credit or a proven track record of payments may see credit limits of $60,000 or higher.
Do Capital One Spark business cards show up on your personal credit?
It depends on the card. Most Capital One Spark cards report to both business and personal credit bureaus.
Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.
Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.
Explore related articles by topic
You’ve viewed 3 of 3 articles
LOAD MORE
* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.
All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.