Best Capital One Business Credit Cards in 2025

• 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 (see rates & fees).

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.

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:

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:

• Legal name
• Time in business
• Legal structure (for example, an LLC or sole proprietorship)
• Federal tax ID number (TIN)
• Industry
• Annual revenue
• Monthly expenses
• Other beneficial owners or controllers (if it’s a corporation or partnership)

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.

Capital One business credit card pre-approval

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.