Capital One business credit cards

7 Best Capital One Business Credit Cards

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.

1-8 of 8 results
  • Capital One Venture X Business

    Capital One Venture X Business

    Our Rating: 4.9
    ★★★★

    Annual Fee

    $395

    Reward Range

    2x – 10x miles

    Welcome Offer

    150,000 Miles

    Learn More
  • Capital One Spark Cash Plus

    Capital One Spark Cash Plus

    Our Rating: 4.8
    ★★★★

    Annual Fee

    $150

    Reward Range

    2% to 5%

    Welcome Offer

    $1,500 Cash Back

    Learn More
  • Capital One Spark Miles

    Capital One Spark Miles for Business

    Our Rating: 4.7
    ★★★★

    Annual Fee

    $0 intro for first year; $95 after that

    Reward Range

    2x to 5x miles

    Welcome Offer

    Earn a one-time bonus of 50,000 miles – equal to $500 in travel

    Learn More
  • Capital One Spark Cash Select

    Capital One Spark Cash Select for Excellent Credit

    Our Rating: 4.7
    ★★★★

    Annual Fee

    $0

    Reward Range

    1.5% – 5%

    Welcome Offer

    $750 Cash Back

    Learn More
  • Capital One Spark Cash Select

    Capital One Spark Cash Select for Good Credit

    Our Rating: 4.5
    ★★★★

    Annual Fee

    $0

    Reward Range

    1.5% to 5%

    Welcome Offer

    0% Intro APR for the first 12 months;

    Learn More
  • Capital One Spark Miles

    Capital One Spark Miles Select for Business

    Our Rating: 4.0
    ★★★★☆

    Annual Fee

    $0

    Reward Range

    1.5x to 5x miles

    Welcome Offer

    50,000 Miles

    Learn More
  • Capital One Walmart Rewards Card

    Capital One Walmart Rewards® Card

    Our Rating: 4.0
    ★★★★☆

    Annual Fee

    $0

    Reward Range

    1% – 5% cash back

    Welcome Offer

    5%

    Learn More
  • Capital One Spark Classic for Business

    Our Rating: 3.5
    ★★★

    Annual Fee

    $0

    Reward Range

    1% to 5%

    Welcome Offer

    None

    Learn More

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 Cash Plus

Our Rating: 4.8

★★★★

Capital One Spark Cash Plus

Welcome Offer

$1,500 Cash Back

Est. Value

$1,500

Annual Fee

$150

APR

N/A

Credit Req'd

Excellent

Rewards: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. 2% cash back on all other purchases.

Capital One Spark Cash Plus is a charge card for business owners with an excellent flat rate of 2% cash back on all purchases. You must pay the card in full every month. There are no foreign transaction fees.

2% cash back
On all other eligible purchases
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions.
5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5% cash back
  • unlimited 2% cash back

Cons

  • Annual fee
  • Requires good credit
  • Pay your balance at the end of the month

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 Spark Miles

Our Rating: 4.7

★★★★

Capital One Spark Miles for Business

Welcome Offer

Earn a one-time bonus of 50,000 miles – equal to $500 in travel

Est. Value

$500

Annual Fee

$0 intro for first year; $95 after that

APR

26.24% Variable

Credit Req'd

Excellent, Good

Rewards: Earn unlimited 2X miles on every purchase.

Capital One Spark Miles for Business is a travel credit card for business owners. It offers decent flat rate rewards and there are no foreign transaction fees.

2x miles
All eligible purchases
Earn unlimited 2X miles on every purchase
5x miles
Hotels
Earn 5x on hotels booked through Capital One
5x miles
Rental Cars
Earn 5x miles on rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 2% cash back

Cons

  • Annual fee

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 Venture X Business

Our Rating: 4.9

★★★★

Capital One Venture X Business

Welcome Offer

150,000 Miles

Est. Value

Up to $2,625

Annual Fee

$395

APR

N/A

Credit Req'd

Excellent

Rewards: Earn up to 10x points per eligible $1 spent, along with an excellent welcome offer and no foreign transaction fees. This card is best for business owners who travel frequently.

Capital One Venture X Business is a travel credit card for business owners. It offers excellent rewards, one of the most valuable welcome offers in the industry, and all for a reasonable annual fee.

2x miles
All eligible purchases
Earn an unlimited 2x miles on every purchase
5x miles
Airfare
Earn 5x miles on flights booked through Capital One Travel
10x miles
Hotels
Earn 10x miles on hotels booked through Capital One Travel
10x miles
Rental Cars
Earn 10x miles on car rentals booked through Capital One Travel

Pros

  • Welcome offer
  • No foreign transaction fee
  • Unlimited 2X miles on every purchase

Cons

  • Annual fee
  • Requires good credit
  • Pay-in-full card

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 PartnerAllianceTransfer Ratio
Aeromexico Club PremierSkyTeam1:1
Air Canada AeroplanStar Alliance1:1
Air France/KLM Flying BlueSkyTeam1:1
ALL Accor Live LimitlessHotel2:1
Asia MilesOneworld1:1
Avianca LifeMilesStar Alliance1:1
British Airways Executive ClubOneworld1:1
Choice PrivilegesHotel1:1
Emirates SkywardsNon-Alliance1:1
Etihad GuestNon-Alliance1:1
EVA Air Infinity MileageLandsStar Alliance2:1.5
Finnair PlusOneworld1:1
Qantas Frequent FlyerOneworld1:1
Singapore Airlines KrisFlyerStar HotelAlliance1:1
TAP Portugal Miles&GoStar Alliance1:1
Turkish Airlines Miles&SmilesStar Alliance1:1
Virgin RedSkyTeam1:1
Wyndham RewardsHotel1:1
Travel partners and transfer ratios can change at any time. Confirm details with Capital One before transferring points. Source: Capital One

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.

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.