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August 1, 2022
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If you’re looking to maximize the cash back you earn and need flexibility in how much you can put on your card, the Capital One Spark Cash Plus is our top pick for the best Capital One business card. This charge card earns flat-rate cash back and has no preset spending limit.
Capital One offers small business owners straightforward value with its line of Spark business credit cards, all of which earn rewards at a flat rate. Which Capital One business card is best for your needs depends on whether you want to earn cash back or miles, how frequently you travel and how good your credit is.
Based on our research of cards available through Capital One, we compiled a list of the best business credit cards from the issuer based on a variety of categories and types of business spending.
Earn 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel. Plus, earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
Spending about $1,666.67 per month should allow you to hit the first spend requirement, but to reach the second, you’ll need to spend approximately $8,333.33 per month on the card.
The Capital One Spark Cash Plus also offers an annual $200 bonus if you spend $200,000 or more per year on the card.
Note that the Capital One Spark Cash Plus has a $150 annual fee.
The Capital One Spark Cash Plus charges a $150 annual fee. If you spend $7,500 per year on the card, you can recoup the amount of the annual fee in cash back. And if you spend more than $30,000, you can recoup the annual fee amount plus start to earn more than you would with a card earning 1.5% back and charging no annual fee. So, for businesses that require a heavy spend each year, the Capital One Spark Cash Plus can pay for itself nicely.
You should also know that the Capital One Spark Cash Plus is a charge card. The good thing about it being a charge card rather than a traditional credit card is that you have no preset spending limit. If you need to make a big purchase, this card offers flexibility to do so. You don’t have unlimited spending power, however, because what you can spend adapts based on factors such as your purchase and payment history.
The potential downside to this being a charge card is that if you find yourself short on cash one month, you can’t just make a minimum payment and roll the balance over. Payment is due in full each month on the Capital One Spark Cash Plus, or you’ll be charged a 2.99% monthly fee.
Earn 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel. Plus, earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
Spending about $1,666.67 per month should allow you to hit the first spend requirement, but to reach the second, you’ll need to spend approximately $8,333.33 per month on the card.
The Capital One Spark Cash Plus also offers an annual $200 bonus if you spend $200,000 or more per year on the card.
Note that the Capital One Spark Cash Plus has a $150 annual fee.
The Capital One Spark Cash Plus charges a $150 annual fee. If you spend $7,500 per year on the card, you can recoup the amount of the annual fee in cash back. And if you spend more than $30,000, you can recoup the annual fee amount plus start to earn more than you would with a card earning 1.5% back and charging no annual fee. So, for businesses that require a heavy spend each year, the Capital One Spark Cash Plus can pay for itself nicely.
You should also know that the Capital One Spark Cash Plus is a charge card. The good thing about it being a charge card rather than a traditional credit card is that you have no preset spending limit. If you need to make a big purchase, this card offers flexibility to do so. You don’t have unlimited spending power, however, because what you can spend adapts based on factors such as your purchase and payment history.
The potential downside to this being a charge card is that if you find yourself short on cash one month, you can’t just make a minimum payment and roll the balance over. Payment is due in full each month on the Capital One Spark Cash Plus, or you’ll be charged a 2.99% monthly fee.
Cardholders with this version of the Capital One Spark Cash Select - $500 Cash Bonus earn 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel and have an opportunity to earn $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening. Spending $1,500 per month will reach that target.
This card charges a $0 annual fee and has a 14.74% - 20.74% (variable) APR.
To qualify, you’ll need excellent credit. Business owners with less-than-stellar credit may be interested in the Capital One Spark Cash Select - 0% Intro APR for 12 Months, which we cover below.
If you have excellent credit, you can apply for the Capital One Spark Cash Select - $500 Cash Bonus with confidence. It’s a great choice for a $0-annual-fee card with a solid sign-up bonus and a competitive flat-rate cashback program.
The other version of the card, the Capital One Spark Cash Select - 0% Intro APR for 12 Months, comes with the same cashback program and also charges a $0 annual fee, but doesn’t have a sign-up bonus and is aimed at applicants with good credit.
Cardholders with this version of the Capital One Spark Cash Select - $500 Cash Bonus earn 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel and have an opportunity to earn $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening. Spending $1,500 per month will reach that target.
This card charges a $0 annual fee and has a 14.74% - 20.74% (variable) APR.
To qualify, you’ll need excellent credit. Business owners with less-than-stellar credit may be interested in the Capital One Spark Cash Select - 0% Intro APR for 12 Months, which we cover below.
If you have excellent credit, you can apply for the Capital One Spark Cash Select - $500 Cash Bonus with confidence. It’s a great choice for a $0-annual-fee card with a solid sign-up bonus and a competitive flat-rate cashback program.
The other version of the card, the Capital One Spark Cash Select - 0% Intro APR for 12 Months, comes with the same cashback program and also charges a $0 annual fee, but doesn’t have a sign-up bonus and is aimed at applicants with good credit.
This version of the Capital One Spark Cash Select - 0% Intro APR for 12 Months allows cardholders to take advantage of a solid intro APR period on purchases.
Enjoy an intro APR of 0% on purchases for 12 months. After, a 17.49% - 25.49% (variable) APR applies. For ongoing rewards, earn 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel.
While the version of this card detailed above requires excellent credit, the Capital One Spark Cash Select - 0% Intro APR for 12 Months is accessible to applicants with merely good credit. It’s true that you won’t earn a sign-up bonus, but this card still has the same great cashback program and a $0 annual fee.
Plus, if you need to make a big purchase and want time to pay it off without incurring interest charges, this card offers that. You’ll get an intro 0% on purchases for 12 months, after which a 17.49% - 25.49% (variable) APR applies.
This version of the Capital One Spark Cash Select - 0% Intro APR for 12 Months allows cardholders to take advantage of a solid intro APR period on purchases.
Enjoy an intro APR of 0% on purchases for 12 months. After, a 17.49% - 25.49% (variable) APR applies. For ongoing rewards, earn 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel.
While the version of this card detailed above requires excellent credit, the Capital One Spark Cash Select - 0% Intro APR for 12 Months is accessible to applicants with merely good credit. It’s true that you won’t earn a sign-up bonus, but this card still has the same great cashback program and a $0 annual fee.
Plus, if you need to make a big purchase and want time to pay it off without incurring interest charges, this card offers that. You’ll get an intro 0% on purchases for 12 months, after which a 17.49% - 25.49% (variable) APR applies.
Earn 2 miles per $1 on every purchase, everywhere. Plus, 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. Spending $1,500 per month on your Capital One Spark Miles for Business should let you reach that.
Be aware that the annual fee is $0 intro for first year; $95 after that. The APR is 22.49% (variable).
The Capital One Spark Miles for Business charges an annual fee of $0 intro for first year; $95 after that. Valuing each mile as worth 1 cent, spending $4,750 per year can let you recoup the amount of the annual fee in rewards (after year one).
Where the Capital One Spark Miles for Business stands out is flexibility for frequent travelers. You have the option to transfer miles to 15+ different airline and hotel partners — at a rate of 1:1, 2:1.5, or 2:1 depending on the specific partner. If you like the ability to move your credit card miles over to programs such as Accor Live Limitless and British Airways Avios, the Capital One Spark Miles for Business could be the right Capital One business card for you.
Plus, the card also offers a credit of up to $100 when you use it to pay the application fee for Global Entry or TSA PreCheck.
Earn 2 miles per $1 on every purchase, everywhere. Plus, 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. Spending $1,500 per month on your Capital One Spark Miles for Business should let you reach that.
Be aware that the annual fee is $0 intro for first year; $95 after that. The APR is 22.49% (variable).
The Capital One Spark Miles for Business charges an annual fee of $0 intro for first year; $95 after that. Valuing each mile as worth 1 cent, spending $4,750 per year can let you recoup the amount of the annual fee in rewards (after year one).
Where the Capital One Spark Miles for Business stands out is flexibility for frequent travelers. You have the option to transfer miles to 15+ different airline and hotel partners — at a rate of 1:1, 2:1.5, or 2:1 depending on the specific partner. If you like the ability to move your credit card miles over to programs such as Accor Live Limitless and British Airways Avios, the Capital One Spark Miles for Business could be the right Capital One business card for you.
Plus, the card also offers a credit of up to $100 when you use it to pay the application fee for Global Entry or TSA PreCheck.
Want to earn miles but don’t want to pay an annual fee? Cardholders with the Capital One® Spark® Miles Select for Business earn 1.5 miles per $1 on every purchase for a $0 annual fee. Plus, earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.
The Capital One® Spark® Miles Select for Business has a 15.49%, 21.49% or 25.49% (variable) APR.
If you travel semi-regularly for business, but not enough that it makes financial sense to pay an annual fee for the Capital One Spark Miles for Business, the Capital One® Spark® Miles Select for Business might be a better choice for your wallet. It earns miles at a competitive flat rate, charges a $0 annual fee, and lets you transfer miles to the same travel partners as its big sibling.
There’s also a 0% introductory APR for the first 9 months that your account is open. on purchases, after which a 15.49%, 21.49% or 25.49% (variable) APR applies. This card is a solid choice if you’ve got a big purchase coming up and think you’ll need several months to pay it off, but don’t want to incur interest charges.
Want to earn miles but don’t want to pay an annual fee? Cardholders with the Capital One® Spark® Miles Select for Business earn 1.5 miles per $1 on every purchase for a $0 annual fee. Plus, earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.
The Capital One® Spark® Miles Select for Business has a 15.49%, 21.49% or 25.49% (variable) APR.
If you travel semi-regularly for business, but not enough that it makes financial sense to pay an annual fee for the Capital One Spark Miles for Business, the Capital One® Spark® Miles Select for Business might be a better choice for your wallet. It earns miles at a competitive flat rate, charges a $0 annual fee, and lets you transfer miles to the same travel partners as its big sibling.
There’s also a 0% introductory APR for the first 9 months that your account is open. on purchases, after which a 15.49%, 21.49% or 25.49% (variable) APR applies. This card is a solid choice if you’ve got a big purchase coming up and think you’ll need several months to pay it off, but don’t want to incur interest charges.
Like all of the Spark business cards, the Capital One® Spark® Classic for Business keeps things simple. Cardholders earn 1% cash back on every purchase. The annual fee is $0.
Be aware that the APR is a stiff 26.99% (variable), so if you carry a balance, you’re likely to accrue some expensive interest charges. Also, unlike most of the other Spark cards, there’s no sign-up bonus.
While most business credit cards require applicants to have good or excellent credit, the Capital One® Spark® Classic for Business is accessible even if you have fair credit. It’s a good choice if you’ve suffered some financial missteps in the past but are working to build good credit. Plus, it earns cash back at a decent flat rate and charges a $0 annual fee.
Like all of the Spark business cards, the Capital One® Spark® Classic for Business keeps things simple. Cardholders earn 1% cash back on every purchase. The annual fee is $0.
Be aware that the APR is a stiff 26.99% (variable), so if you carry a balance, you’re likely to accrue some expensive interest charges. Also, unlike most of the other Spark cards, there’s no sign-up bonus.
While most business credit cards require applicants to have good or excellent credit, the Capital One® Spark® Classic for Business is accessible even if you have fair credit. It’s a good choice if you’ve suffered some financial missteps in the past but are working to build good credit. Plus, it earns cash back at a decent flat rate and charges a $0 annual fee.
| Credit card | Best for | Cashback rate | Annual fee |
|---|---|---|---|
| Capital One Spark Cash Plus | Cash back and no preset spending limit | 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel | $150 |
| Capital One Spark Cash Select - $500 Cash Bonus | No annual fee and a sign-up bonus | 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel | $0 |
| Capital One Spark Cash Select - 0% Intro APR for 12 Months | No annual fee and an intro APR | 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel | $0 |
| Capital One Spark Miles for Business | Business owners who travel frequently | 2 miles per $1 on every purchase, everywhere | $0 intro for first year; $95 after that |
| Capital One® Spark® Miles Select for Business | Travel with no annual fee | 1.5 miles per $1 on every purchase | $0 |
| Capital One® Spark® Classic for Business | Business owners with fair credit | 1% cash back on every purchase | $0 |
The best Capital One business card depends on your needs and spending habits. For example, someone who travels frequently might consider the Capital One Spark Miles for Business worth paying an annual fee for, but someone who wants to earn cash back without paying an annual fee might prefer the Capital One Spark Cash Select - $500 Cash Bonus.
The following Spark cards earn cash back: Capital One Spark Cash Plus, Capital One Spark Cash Select - $500 Cash Bonus, Capital One Spark Cash Select - 0% Intro APR for 12 Months, and Capital One® Spark® Classic for Business.
Capital One issues two Spark cards that earn miles, the Capital One Spark Miles for Business and the Capital One® Spark® Miles Select for Business.
Yes, the Spark business cards allow cardholders to earn unlimited rewards that don’t expire.
Most of the Spark business cards do report to your personal credit. The exception is the Capital One Spark Cash Plus — as long as your account is in good standing, that card does not report to your personal credit.
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.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
