7 Best Capital One Business Credit Cards

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Capital One offers a range of business credit cards designed to meet the unique needs of entrepreneurs. These cards provide access to valuable rewards programs, competitive interest rates, and customizable spending limits. With options tailored to various business sizes and industries, Capital One’s business credit cards offer flexible financing solutions and expense management tools to help entrepreneurs effectively manage their business expenses while maximizing their rewards potential.

In this article, we cover all of Capital One’s business cards, along with our three favorite options (one of which I’ve carried for years). Then we compare Capital One cards to business cards from other popular issuers.

3 Best Capital One Business Credit Cards

Capital One Spark Cash Plus

The Capital One Spark Cash Plus business credit card makes our list of the best cards because of its generous cash back rewards program and valuable benefits. Earning at least unlimited 2% cash back on every purchase places the card in elite status. The 5% cash back on hotels and rental cars is a great bonus for those business owners who travel. The annual fee is lower than other comprable business cards.

Capital One Spark Miles for Business

We like the Capital One Spark Miles for Business if you or your employees travel requently. As a travel card, it pays a flat rate of 2x miles on eligible purchases. These miles are worth 1 cent each when use for travel. That’s important. Use the miles for non-travel expesnes, and their value gets cut in half.

Capital One Venture X Business

The Capital One Venture X Business credit card offers a range of valuable benefits for entrepreneurs who travel. You can earn unlimited 10X miles per dollar on hotels and rental cars booked through Capital One Travel, and 2X miles on every other purchase. The card also provides access to travel perks, such as airport lounge access, Global Entry or TSA PreCheck fee credit, and no foreign transaction fees. It also comes with a generous welcome bonus and flexible redemption options.

Capital One Travel Transfer Partners

The highest value of Capital One points comes through its transfer partners. Where a point redeemed for travel through Capital One is worth 1 cent, our analysis shows that the value rises to as much as 1.75 cents when transferred to a travel partner.

Here’s a list of Capital One’s transfer partners, along with the transfer ratio:

Transfer Partner	Alliance	Transfer Ratio
Aeromexico Club Premier	SkyTeam	1:1
Air Canada Aeroplan	Star Alliance	1:1
Air France/KLM Flying Blue	SkyTeam	1:1
ALL Accor Live Limitless	Hotel	2:1
Asia Miles	Oneworld	1:1
Avianca LifeMiles	Star Alliance	1:1
British Airways Executive Club	Oneworld	1:1
Choice Privileges	Hotel	1:1
Emirates Skywards	Non-Alliance	1:1
Etihad Guest	Non-Alliance	1:1
EVA Air Infinity MileageLands	Star Alliance	2:1.5
Finnair Plus	Oneworld	1:1
Qantas Frequent Flyer	Oneworld	1:1
Singapore Airlines KrisFlyer	Star HotelAlliance	1:1
TAP Portugal Miles&Go	Star Alliance	1:1
Turkish Airlines Miles&Smiles	Star Alliance	1:1
Virgin Red	SkyTeam	1:1
Wyndham Rewards	Hotel	1:1

What is the Best Capital One Business Credit Card?

The best choice among Capital One’s business credit cards will vary from one business to the next. The key factors are where your business spends money and how you plan to redeem the rewards. If your goal is cash back and you don’t travel a lot of business, the Capital One Spark Cash Plus would be my first choice. It offers excellent rewards and a welcome bonus for a reasonable annual fee.

If you do travel frequently and plan to redeem your miles for travel, then the Capital One Venture X Business would be the card I’d choose. It offers the highest rewards, the best welcome offer, and again for a reasonable annual fee.

Finally, if you just want a credit card to track expenses and hate annual fees, the Capital One Spark Cash Select for Excellent Credit would be my choice. It has no annual fee, yet still comes with an excellent welcome offer and ongoing rewards.

• Chase Business Premier Credit Card vs Capital One Spark Cash Plus

How do Capital One Business Credit Cards Compare with Chase Business Cards?

While both Capital One and Chase offer business credit cards with comparable rewards, benefits, and fees, there are at least two important differences.

1. Co-branded Cards: Chase business cards include several airline and hotel co-branded cards, in addition to the Chase brand Ink business credit cards. Capital One does not offer co-branded business cards.
2. Transfer Partners: The hotel and airline transfer partners are different for Capital One than they are Chase. While I carry both Capital One and Chase business cards, I find Chase’s travel partners to be more useful. They include United and Marriott. Capital One’s travel partners seem to be better aimed at overseas partners.

How do Capital One Business Credit Cards Compare with Amex Business Cards?

As with Chase, American Express offers its own brand of business credit cards as well as co-branded cards. Amex has relationships with Marriott, Hilton, and Delta. As such, it offers different travel partners for points transfers. What’s best for your business will turn on the travel partners that are important to you.

Another key difference relates to credits and travel perks. Some Amex business cards, such as the The Business Platinum Card® from American Express and the American Express® Business Gold Card offer a wide range of credits that can more than cover the annual fee. And Amex offers travel benefits and services that are second to none.

Bottom Line

Capital One offers its own brand of business credit cards. These cards offer a wide range of rewards, signup bonuses, perks, and benefits for business owners. If you are still undecided, check out our list of the best business credit cards or the best signup bonuses from business cards.