Erika's Picks for Best Capital One Business Credit Cards
- Best for premium travel rewards:
Capital One Venture X Business - Best for travel rewards and low annual fee:
Capital One Spark Miles for Business - Best for travel rewards and no annual fee:
Capital One Spark 1.5X Miles Select - Best for cashback and a low annual fee:
Capital One Spark Cash - Best for building business credit:
Capital One Spark 1% Classic
Earning rewards for your business expenses doesn’t need to be complicated. If you want to earn unlimited miles or cashback on business purchases, these Capital One business credit cards offer straightforward rewards with plenty of perks.
From credit cards to pay-in-full cards, and from cards with no annual fee to those with a higher fee alongside robust benefits, Capital One has a business card for every budget and need.
Best for Premium Travel Rewards
Capital One Venture X Business
Rewards Rate
- 10x on hotels and rental cars booked through Capital One's travel booking site
- 5x on flights and vacation rentals booked through Capital One's travel booking site
- 2x miles on every purchase
Welcome Offer
LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
Annual Fee
$395
The Capital One Venture X Business is your best option for maximizing your business travel benefits.
Though the annual fee is the highest of the cards on our list, the welcome bonus and ongoing perks can easily make up for the fee, if it fits your business spending needs.
Be aware that this card is a pay-in-full card, so you need to be ready to pay off your balance (it’s smart to do so anyway). Late fees will apply if you don’t pay it off on time.
Perks include:
- $300 annual travel credit — this applies when you book through Capital One Travel
- 10,000 annual bonus miles on your cardholder anniversary
- Global Entry or TSA PreCheck® fee statement credit
- No preset spending limit
- Access to over 1,300 airport lounges worldwide
- Flexible rewards redemption, with no blackout dates or restrictions
- Elevated rewards rate on travel booked through Capital One Travel
Despite the high annual fee, you receive a lot of value from perks like the annual travel credit and lounge access. However, be sure you’ll use the benefits, because if you’re not traveling much, you may be better off with a lower-fee card.
The Capital One Venture X Business is easily one of the best travel cards around. You can earn the top rates on hotel, rental car, and flight bookings for your business, so if travel is a priority, consider this one to help smooth out your business travel and earn more rewards for it.
You do need to have a fairly high budget to make the most of this card. If the minimum spend to earn the welcome bonus makes your eyes pop out of your head, consider a different card. However, the valuable perks and ongoing rewards may still make this card worth its fee, as long as you can take advantage of them.
You get a flexible spending limit (it’s not unlimited, but it’s also not preset), however, remember you need to pay off the balance in full.
Best for Travel Rewards and Low Annual Fee
Capital One Spark Miles for Business
Rewards Rate
- 5x miles on hotels, vacation rentals, and rental cars booked through Capital One's travel booking site
- Unlimited 2x miles on everything else
Welcome Offer
Earn 50,000 bonus miles when you spend at least $4,500 in the first 3 months
Annual Fee
$0 for the first year; $95 after that
If you’re interested in outstanding travel benefits but want to keep your annual fee low, the Capital One Spark Miles for Business may fit the bill.
You can earn double miles on all purchases with this business card, and with a fairly low minimum spend, you get a solid welcome bonus.
There is an annual fee for the card, but it’s relatively low, and you get your first year free.
Benefits include:
- Up to $120 statement credit for Global Entry or TSA PreCheck®
- Transfer miles to over 15 travel partners
- Elevated rewards on hotels and rental cars booked through the Capital One Business Travel site
- No foreign transaction fees
- Lifestyle Collection travel perks like $50 experience credits, room upgrades, and more
Not every business owner wants to pay a premium annual fee. The Capital One Spark Miles for Business offers a nice compromise — a low annual fee with many equivalent travel perks.
It’s also exciting to be able to earn a welcome bonus without a massive minimum spending requirement. This makes the card a great option for smaller businesses with smaller budgets.
If you’re a frequent business flyer, reimbursement for Global Entry or TSA PreCheck® saves you money and could save you oodles of time in airports.
Best for Travel Rewards and No Annual Fee
Capital One Spark 1.5X Miles Select
Rewards Rate
- Unlimited 5x miles on hotels and rental cars booked through Capital One's travel booking site
- Unlimited 1.5x miles on every purchase
Welcome Offer
Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
Annual Fee
$0
The Capital One Spark 1.5X Miles Select has no annual fee, but still offers some travel perks. Your business can earn slightly higher rewards on all purchases without paying for the privilege, plus you get higher rewards on hotels and rental cars booked through Capital One Travel.
Benefits include:
- No restrictions or blackout dates on mileage redemption
- Unlimited rewards on all purchases
- Flexible travel redemptions with transfers to travel partners
- $0 fraud liability
- Extended warranty protection on eligible card purchases
If you’re interested in earning travel rewards in the form of miles and don’t want to pay an annual fee, you might go with the Capital One Spark 1.5X Miles Select.
You earn unlimited miles on all of your business purchases, which you can use flexibly thanks to Capital One’s over 15 travel partners.
Note: If the simplicity of this card is appealing but you don’t need miles, check out the Capital One Spark 1.5% Cash Select, which has equivalent benefits, but with cashback rewards instead of miles.
Best for Cashback and a Low Annual Fee
Capital One Spark Cash
Rewards Rate
- Unlimited 5% cashback on hotels and rental cars booked through Capital One's travel booking site
- Unlimited 2% cashback on every purchase
Welcome Offer
Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
Annual Fee
$0 for the first year, then $95
If you’re looking for an excellent basic cashback card, the Capital One Spark Cash is a solid choice. With a low annual fee (that’s waived your first year), you can start earning cash rewards right away.
There’s no cap on your rewards-earning potential, and there are no category restrictions. You’ll earn on all business purchases, plus earn rewards at a higher rate when you book rental cars and hotels using the Capital One travel site.
Benefits include:
- $0 fraud liability
- Virtual card numbers
- Itemized annual spending reports
The Capital One Spark Cash offers a high base rate of rewards on all of your business spending. And while flights aren’t included in the bonus rewards rate, you still get an elevated rate on hotels and rental cars you book using Capital One’s travel booking site.
If you don’t mind a small annual fee, this is a great option. Plus, the fee is waived for your first year.
And while this card doesn’t offer a huge suite of perks like some other business cards do (you won’t get airport lounge access or credits for TSA PreCheck®, for example), you may simply prefer a no-frills card that pays cashback.
Best for Building Business Credit
Capital One Spark 1% Classic
Rewards Rate
- 5% cashback on hotels and rental cars booked through Capital One Travel
- Unlimited 1% cashback on every purchase
Welcome Offer
None
Annual Fee
$0
If you’re searching for a business credit card, but your credit isn’t quite where you’d like it to be, the Capital One Spark 1% Classic is your best option among Capital One’s business cards.
With no annual fee and less stringent eligibility requirements, this card has a low barrier to access.
This is an excellent option for earning cash rewards if you’re a fledgling business owner or need time to bounce back from negative credit events. Since it’s a cashback card and not one with miles, redeeming rewards is about as simple as can be.
Sometimes you need the opportunity to prove yourself, and the Capital One Spark 1% Classic allows you to do so.
You can open this card even if your credit isn’t ideal, and with no annual fee, there’s really nothing to lose. Of course, you still want to focus on paying off your balance in full every month — that’s how you’ll raise that credit score over time.
You also earn modest rewards with this card, including boosted rates on hotels and rental cars booked through Capital One’s travel booking site.
With proper usage, you can eventually upgrade to a more lucrative rewards card.
How To Choose the Best Business Card for You
When selecting a business credit card, go with one that’s affordable and offers you opportunities to earn rewards while still serving your business needs. Check the annual fee (if there is one) and how much you can earn on business purchases.
Some business owners benefit from a pay-in-full card, which means just what it says: pay the full balance each month. This is useful if you have any concerns about racking up interest charges.
Pay attention to the rewards system, too. Good business credit cards offer rewards in the form of miles or cashback, and most of the Capital One business cards give you elevated rewards on travel spending.
Selecting the right business credit card requires careful consideration of your company's unique spending patterns, financial goals, and operational needs.
READ MORE: How To Choose the Best Business Credit Card
Capital One Business Cards vs. Capital One Personal Cards
As you’d imagine, a Capital One business card serves a different purpose than a Capital One personal card. Both offer excellent travel rewards plus a decent percentage of unlimited rewards on all purchases.
Business cards are for business-specific purchases such as office supplies, internet, and telecom services. Travel expenses such as flights, hotels, and rental cars can also be valid business purchases.
Personal cards earn rewards on everyday household purchases, like groceries and streaming subscriptions.
Of course, you might have both business and personal cards. And while there may be some overlap between what you buy for your business and what you buy for yourself, the purpose of having two cards is to keep your expenses as separated as possible.
READ MORE: Can You Put Personal Expenses on a Business Credit Card?
Frequently Asked Questions
Do I need an LLC or incorporated business to apply for a Capital One business card?
No, an LLC isn’t always necessary, especially if you’re a sole proprietor.
In order to apply for a Capital One business card, you need your business’s legal name, along with address and business tax ID number (TIN). You also need names, addresses, and Social Security numbers of all business owners.
Can I transfer points between my Capital One business and personal cards?
It depends. Per Capital One’s website, you can transfer rewards between certain Capital One accounts, but not all of them. Read the fine print on your specific cards or call customer service to be sure.
Will a Capital One business credit card affect my personal credit score?
Although using a business credit card helps you to keep business and personal finances separate, it’s possible for business credit card usage to impact your personal credit. Opening a business card account may temporarily affect your score, and if you miss a payment, it’s more likely that the card issuer will report this to the credit bureaus.
Bottom Line: Should You Get a Capital One Business Card?
Capital One has a suite of business cards with no or low annual fees to help you earn rewards on all of your professional expenses. Even their premium card, the Venture X Business, has a lower annual fee than many of its competitors.
If you’re looking for an affordable card with travel perks or cashback rewards, or want access to Capital One’s 15+ transfer partners, a Capital One business card could be a suitable option.
Was there an issue with your flight?
We read the fine print so you don't have to! Take our Flight Rights Quiz to learn more about the compensation the airline may owe you if your flight was delayed or canceled!
Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
