The best Capital One credit cards for business give you the ability to earn cash back or miles. Depending on the card you get, you may need to pay an annual fee. These cards come with early spend bonus offers too.
Best Capital One Credit Cards for Business in 2023
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
As a business owner, you can choose to get a credit card or a charge card from Capital One. The best of the lot let you earn cash back or miles on all your business spending. The top ones do away with foreign transaction fees as well.
It is common for Capital One business credit cards to come with early spend bonus offers. The top Capital One business credit cards also issue you employee cards at no charge and allow you to set individual spend limits. Other aspects that you’ll want to pay close attention to when choosing a card include annual fees, APRs and added benefits.
MoneyGeek's Take: Top 3 Capital One Business Credit Cards
The cash back or miles per dollar rate you stand to earn depends on the card you get, and this also holds true for the annual fee you might need to pay. We have selected the best Capital One Business credit cards after considering these factors and others, such as early spend bonus offers, APRs, foreign transaction fees and additional features.
- Capital One Spark Cash Select for Excellent Credit
- 1.5% Cash BackRewards Rate
- 18.49% – 24.49% VariableAPR
- $0Annual Fee
- ExcellentRecommended Credit
- Capital One Spark Cash Plus
- 2% Cash BackRewards Rate
- None (charge card)APR
- $150Annual Fee
- ExcellentRecommended Credit
- Capital One Spark Miles for Business
- 2 Miles per $1Rewards Rate
- 26.24% VariableAPR
- $95 ($0 first year)Annual Fee
- Good–ExcellentRecommended Credit
How to Compare Capital One Credit Cards & Intro Offers
Capital One credit cards for business come with varied features and benefits. As a result, you need to pay attention to multiple aspects when making a selection.
Charge or credit card
If you need a no preset spending limit (NPSL) business card, you may want to look at what the Capital One Spark Cash Plus Card has to offer.
Early spend bonus
The early spend bonus you stand to earn depends on the card you get. For example, the Capital One Spark Cash Select for Excellent Credit offers a one-time $500 cash bonus if you spend $4,500 on purchases in the first three months. The Capital One Spark Cash Plus Card, on the other hand, offers a much higher bonus of $1,200 accompanied by a much higher spending requirement of $30,000 in the first three months.
Cash back/miles rate
The cash back or miles per dollar you earn is not the same across all Capital One business cards. The no-annual-fee Spark Cash Plus, offers 2% cash back on all business purchases and 5% cash back on hotels and rental cars booked through Capital One Travel. The Spark Miles for Business offers essentially the same rewards rates, but in the form of miles.
Capital One gives businesses the option of choosing from business cards that come with and without annual fees. The Capital One Spark Cash Select for Excellent Credit makes for the best no-annual-fee choice. You'll need to evaluate your spending to decide if the $95 fee for the Spark Miles for Business ($0 in the first year) or the $150 annual fee for the Spark Cash Plus (refundable with $150,000 spending in a year), might be worth it for your business.
If you plan to maintain a revolving balance on your card from one month to the next, pay particular attention to this aspect. In such a scenario, you might be better off getting a low APR card that may or may not offer rewards/cash back.
Foreign transaction fees
Capital One business credit cards come without foreign transaction fees, so you won't have to worry about transacting with overseas merchants or using the card while traveling abroad for work.
About Rajiv Baniwal
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