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Explore Capital One Business Cards

We’ve broken down Capital One’s Business Cards to help you find the right card by considering your spending habits, credit level, and desired benefits.

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Find what you’re looking for:

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Credit Building

Spark 1% Classic

Earn unlimited cash rewards while building your credit.

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Rebuilding Credit

I’ve defaulted on a loan more than once

OR

I’ve been declined for a credit card in the last 3 months

Fair Credit

I’ve defaulted on a loan in the past 5 years

OR

I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card)

Good Credit

I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year

Excellent Credit

I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000

These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility

Apply nowon Capital One website

Card details

Everyday Rewards Unlimited 1% cash back on every purchase with no minimums or expiration date
Travel Rewards Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Annual Fee $0
Purchase Rate 29.99% variable APR

Great for businesses that want to build credit.

Great for businesses that want to build credit.

Apply nowon Capital One website
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Carry a Balance with Intro APR

Spark 1.5% Cash Select

$0 annual fee and 0% introductory APR for the first 12 months.

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Rebuilding Credit

I’ve defaulted on a loan more than once

OR

I’ve been declined for a credit card in the last 3 months

Fair Credit

I’ve defaulted on a loan in the past 5 years

OR

I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card)

Good Credit

I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year

Excellent Credit

I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000

These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility

Apply nowon Capital One website

Card details

Everyday Rewards Unlimited 1.5% cash back on every purchase with no minimums or expiration date
Travel Rewards Unlimited 5% cash back on hotels and rental cards booked through Capital One Travel
Annual Fee $0
Purchase Rate 0% intro APR for 12 months; 21.24% - 29.24% variable APR after that

Great for businesses that want to carry a balance with an introductory APR.

Great for businesses that want to carry a balance with an introductory APR.

Apply nowon Capital One website
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Excellent Credit with no Annual Fee

Spark 1.5% Cash Select

Earn a $750 cash bonus when you spend $6,000 in the first 3 months. 1

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Rebuilding Credit

I’ve defaulted on a loan more than once

OR

I’ve been declined for a credit card in the last 3 months

Fair Credit

I’ve defaulted on a loan in the past 5 years

OR

I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card)

Good Credit

I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year

Excellent Credit

I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000

These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility

Apply nowon Capital One website

Card details

Everyday Rewards Unlimited 1.5% cash back on every purchase with no minimums or expiration date
Travel Rewards Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Annual Fee $0
Purchase Rate 18.49% - 24.49% variable APR

Great for businesses that often pay in full and want no annual fee.

Great for businesses that often pay in full and want no annual fee.

Apply nowon Capital One website
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Charge card with elevated cash bonuses

Spark 2% Cash Plus

Earn $4,000 or more in bonuses when you spend $500K in the first year. 1

Credit: Excellenttooltip-icon

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Rebuilding Credit

I’ve defaulted on a loan more than once

OR

I’ve been declined for a credit card in the last 3 months

Fair Credit

I’ve defaulted on a loan in the past 5 years

OR

I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card)

Good Credit

I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year

Excellent Credit

I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000

These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility

Apply nowon Capital One website

Card details

Everyday Rewards Unlimited 2% cash back on every purchase, with no minimums or expiration date
Travel Rewards Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Annual Fee $150 – Spend $150,000 annually and we’ll refund this fee every year
Pay-in-full card You must pay your full balance every month.

Great for businesses that need large spending capacity and want to maximize cash back.

Great for businesses that need large spending capacity and want to maximize cash back.

Apply nowon Capital One website
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Charge Card with Elevated Travel Rewards

Venture X Business

Earn 150,000 bonus miles in the first 3 months plus a $300 annual Capital One Travel Credit. 1 4

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Rebuilding Credit

I’ve defaulted on a loan more than once

OR

I’ve been declined for a credit card in the last 3 months

Fair Credit

I’ve defaulted on a loan in the past 5 years

OR

I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card)

Good Credit

I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year

Excellent Credit

I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000

These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility

Apply nowon Capital One website

Card details

Everyday Rewards Unlimited 2X miles on every purchase, with no restrictions or blackout dates
Travel Rewards Unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel
Annual Fee $395
Pay-in-full card You must pay your full balance every month.

Great for larger, high-spending businesses that pay their balance in full and want best-in-class travel rewards.

Great for larger, high-spending businesses that pay their balance in full and want best-in-class travel rewards.

Apply nowon Capital One website
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Travel Rewards with Low Annual Fee

Spark 2X Miles

Earn 50,000 bonus miles once you spend $4,500 in the first 3 months. Transfer miles to 15+ travel partners. 1 2

Credit: Excellenttooltip-icon

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Rebuilding Credit

I’ve defaulted on a loan more than once

OR

I’ve been declined for a credit card in the last 3 months

Fair Credit

I’ve defaulted on a loan in the past 5 years

OR

I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card)

Good Credit

I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year

Excellent Credit

I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000

These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility

Apply nowon Capital One website

Card details

Everyday Rewards Unlimited 2X miles on every purchase, with no restrictions or blackout dates
Travel Rewards Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Annual Fee $0 intro for the first year, $95 after that
Purchase Rate 26.24% variable APR

Great for businesses looking for a fixed line of credit and travel rewards. 3

Great for businesses looking for a fixed line of credit and travel rewards. 3

Apply nowon Capital One website
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Travel Rewards with No Annual Fee

Spark 1.5X Miles Select

Earn 50,000 bonus miles once you spend $4,500 in the first 3 months. Transfer miles to 15+ travel partners. 1 2

Credit: Excellenttooltip-icon

close-icon

Rebuilding Credit

I’ve defaulted on a loan more than once

OR

I’ve been declined for a credit card in the last 3 months

Fair Credit

I’ve defaulted on a loan in the past 5 years

OR

I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else’s credit card)

Good Credit

I have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year

Excellent Credit

I’ve never declared bankruptcy or defaulted on a loan; I haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year; I’ve had a loan or credit card for 3 years or more with a credit limit above $5,000

These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility

Apply nowon Capital One website

Card details

Everyday Rewards Unlimited 1.5X miles on every purchase, with no restrictions or blackout dates
Travel Rewards Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Annual Fee $0
Purchase Rate 18.49% - 24.49% variable APR

Great for businesses that want travel rewards with no annual fee.

Great for businesses that want travel rewards with no annual fee.

Apply nowon Capital One website

Enjoy Business-Grade Benefits with Every Card

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Automatic payments

Set up AutoPay so you don’t have to worry about signing into your account every month.

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$0 Fraud Liability

If your card is lost or stolen, you can get an emergency replacement card and a cash advance.

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Year-End Summaries

Get an itemized report of your spending to simplify budgeting and tax time.

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Free Employee Cards

Track employee spending in real time on our mobile app while earning all the rewards from their free employee cards.

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Purchase Records

Securely download your records into formats including Quicken®, QuickBooks® and Excel®.

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Virtual Card Numbers

Make safer payments online without exposing your actual card number with merchants.

  1. The cash bonuses are available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonuses may not be available for existing or previous Capital One Business card holders.
    Venture X Business: Earn 150,000 bonus miles after spending $30,000 in the initial 3 months.
    Spark Cash Plus Welcome Bonus: Earn a one-time $2,000 cash bonus when you spend $30k in the first 3 months.
    Spark Cash Plus Additional Bonuses: Earn a $2,000 cash bonus for every $500k spent during the first year. You can earn this bonus multiple times during your first year as cardholder.
  2. Once transferred, the expiry and value of transferred rewards are subject to the terms and conditions of the receiving loyalty program.
  3. To receive a statement credit up to $100, you must use your Venture X Business or Spark Miles card to either complete the Global Entry application and pay the application fee, or complete the TSA PreCheck® application and pay the application fee. Credit will appear within two billing cycles, and will apply to whichever program is applied for first. One statement credit per account every four years, and your account must be open and in good standing when the credit is applied. Fees charged to a Venture X Business or Spark Miles card are not eligible. Refer to the Application or Account Terms for additional details.
  4. Annually, eligible Venture X Business primary account holders will receive a $300 Capital One Travel credit (“Credit”) to use toward purchases made through Capital One Travel. Each annual Credit will expire on the next account open date anniversary. The Credit will be available within Capital One Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation. A Venture X Business card account must be open and in good standing to receive or use the Credit.