The Capital One Venture X Business is the best Capital One card for business because it offers the most value out of any card in our survey. You’ll get a bevy of perks, including lounge access, a Global Entry/TSA PreCheck® credit up to $120 and a $300 travel credit that can cover most of the annual fee each year.
| Credit Cards | Our Ratings | Rewards Rate | Welcome Offer | 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 Venture X Business
|
Overall winner
|
2X - 10X Miles
| 150,000 miles
150,000 Miles once you spend $30,000 in the first 3 months from account opening
| Excellent | |
Capital One Spark Cash Plus
|
Cash back
|
2% - 5% Cash Back
| $2,000 cash back
$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
| Excellent | |
Capital One Spark Cash
|
Low annual fee and cash back
|
2% - 5% cash back
| $1,500 cash back
Earn $1,500 Cash Back once you spend $15,000 in the first 3 months from account opening
| Excellent | |
Capital One Spark Cash Select
|
No annual fee and a sign up bonus
|
1.5% - 5% Cash Back
| $500 Cash Back
$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
| Excellent | |
Capital One Spark Miles for Business
|
Travel rewards on a budget
|
2X - 5X Miles
| 50,000 miles
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.
| Good / Excellent | |
Capital One Spark Miles Select for Business*
|
Travel with no annual fee
|
1.5X Miles
1.5 Miles per $1 on every purchase
| 50,000 miles
One-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
| Good / Excellent | |
Capital One Spark Classic for Business*
|
Business owners with fair credit
|
1% - 5% cash back
| N/A | Fair |
To bring you the list of best Capital One business credit cards, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor Statistics data.
We rank cards based on the following criteria:
We calculate the rewards earned for the average cardholder using Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes sign-up bonus and annual bonuses (including annual free night certificates). We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We consider how easy the rewards are to use, looking at factors like expiration dates, minimum redemption thresholds, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
We also compare a card’s benefits — such as purchase protections, travel protections, elite status benefits and travel credits — against benefits from other cards.
Note, that our ratings are a starting point for comparing and choosing the best rewards credit card. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to spend in a card’s bonus categories and which benefits you value to choose the best card for you.
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.Sign-up bonus: Earn 150,000 miles
Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.
The Capital One Venture X Business is one of the most valuable business travel cards around. It offers a ton of value via rewards and experiences, such as access to an extensive list of airport lounges. It’s also one of the most flexible travel cards, allowing cardholders to redeem rewards in various ways, including transferring to Capital One’s hotel and airline partners. Plus, you’ll get many other solid features, like a credit (up to $120) for Global Entry or TSA PreCheck®.
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.Sign-up bonus: Earn $2,000 cash back
Earn $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.
By our estimates, the Capital One Spark Cash Plus is one of the most rewarding cash back business cards. It lets you earn a massive sign-up bonus, a high rate of cash back on every purchase and has no preset spending limit. The Capital One Spark Cash Plus may work best for business owners with a large budget, since you can have the fee refunded each year you spend $150,000 or more on the card.
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.Sign-up bonus: Earn $1,500 cash back
The Capital One Spark Cash card is the best Capital One small business credit card for those who want to earn the most cash back possible for a relatively low annual fee. Plus, top-tier features — like extended warranties and the ability to set spending limits on employee cards — make it an ideal card to manage a wide array of business expenses.
Want to avoid an annual fee? The American Express Blue Business Cash™ Card lets you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% for no annual fee (see rates & fees).
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.Sign-up bonus: Earn $500 Cash Back
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 will appeal to business owners on a budget who want a Capital One business rewards credit card with a straightforward cash back rewards structure. The card lets you earn a modest sign-up bonus and offers a lower earning rate than Capital One’s other cash back cards for business. But it has no annual fee and much lower spending requirements to earn its rewards, making it a better fit for smaller businesses.
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.Sign-up bonus details: Earn 50,000 miles
The Capital One Spark Miles for Business is a great business travel card for small business owners who want to rack up rewards for travel. It offers high flat-rate rewards earning potential, a very competitive sign-up bonus and free employee cards, so you can earn rewards on your employees’ purchases, too. You’ll get flexible miles that can be used for flights as well as hotels and vacation packages (plus, you can transfer them to Capital One partners, if desired).
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.Sign-up bonus details: Earn 50,000 miles
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening.
The 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 (a standard feature on Cap One cards) makes it a good choice for business owners who travel by car. And even if you’re not a big spender, you may still qualify for the sign-up 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.One of few business credit cards available for business owners with fair credit.
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 is available to business owners with fair credit. Plus, unlike many cards targeted to applicants with lower credit scores, it doesn’t charge an annual fee.
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.
Upcoming expenses
If you have any sizable purchases coming up, you may want a credit card with a spending bonus to help you recoup some of those costs. For example, the Capital One Spark Cash Select card offers a chance to earn $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening.
Credit history
If you don’t have good credit, then your pool of business rewards credit cards may be limited. The best card for someone with 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.
No annual fee
If you want a business card with no annual fee, you may want to consider the Capital One Spark Miles Select for Business or the Capital One Spark Cash Select.
Consider if you may need to carry a balance from month to month. A charge card, such as the Capital One Spark Cash Plus or Capital One 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.
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. These cards rely on corporate liability instead of a personal guarantee from a business owner. However, most small business owners will not be eligible for a corporate credit card.
→ Learn more about how corporate credit cards work, and if your business can qualify for one.
If you’re open to a business credit card from another issuer, you may want to consider the Ramp Visa Corporate Card. It’s one of the best small business credit cards with no personal credit check.
If none of the Capital One Spark cards are of interest, there are other top-tier business credit cards that you might want to consider. Here are three of the best alternatives you might want to choose:
| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
Ink Business Preferred® Credit Card
 Apply Now
on Chase's secure site Rates & Fees |
$95 | 1X - 3X points
| 90,000 points
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
|
Apply Now
on Chase's secure site Rates & Fees |
|
Ink Business Cash® Credit Card
Apply Now
on Chase's secure site Rates & Fees |
$0 | 1% - 5% cash back
| $750 cash back
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.
|
Apply Now
on Chase's secure site Rates & Fees |
|
The Business Platinum Card® from American Express
|
$695 | 1X - 5X points
| 150,000 points
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.
| ||
The American Express Blue Business Cash™ Card
|
No annual fee | 1% - 2% cash back
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
| $250 statement credit
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
|
Small business owners, including those who are sole proprietors as well as those with a limited liability company (LLC), can apply for Capital One business credit cards. But each card has its own specific requirements to qualify. So you should familiarize yourself with those prior to applying.
Apart from minimum credit score requirements (which can include both personal and business credit), you will have to meet other requirements, too.
You’ll need to supply personal information, including your Social Security number (SSN), contact information, and role in the business, for the Capital One business credit card application. You’ll also need to provide details about your business, including:
You may also need to provide an employee identification number (EIN).
Gathering this information ahead of time can cut down on the time it’ll take to fill out the application. According to Capital One, it only takes about 10 minutes to fill it out and submit it. However, you may have to provide verification or go into detail about certain aspects of your business. This could extend the time it takes to get an application decision. That said, it typically takes anywhere from just a few minutes up to a few days to get approved. After that, your card will be mailed out to you.
If you’re worried about being declined for a Capital One, you should check out Capital One’s online pre-approval form. You can see which cards you’re likely to qualify for without harming your credit. You will have to provide some information here, such as basic details about yourself (including your Social Security number or Individual Taxpayer Identification Number) and your business.
You should note, however, that in order to get any cash bonuses — such as those provided by the Capital One Spark Cash Plus — you may have to apply via a regular application link.
Capital One small business cards can report to your personal credit. For example, the Capital One Spark Cash Plus reports to personal credit bureaus in the event of a late payment or delinquency.
The following Capital One business cards earn cash back:
Three Capital One small business cards earn miles:
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 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 Miles Select for Business, Capital One Spark Classic for Business and Ramp Visa Corporate Card 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.
