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.
MoneyGeek's Take
Best Capital One Credit Cards for Business in 2022

This article is part of our larger series on Best Business Credit Cards
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. For example, the Capital One Spark Cash Select Card offers a one-time $500 cash bonus if you spend $4,500 on purchases in the first three months.
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.

This article is part of our larger series on
Best Business Credit Cards
MoneyGeek's Take: Top 3 Capital One Business Credit Cards
Quick Summary
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
A great no-annual-fee business card with unlimited 1.5% cash back
- Good-ExcellentCredit Needed
- $0Annual Fee
- 1.5% Cash BackRewards Rate
- 1.5xRewards Rate on Gas
- 1.5xRewards Rate on Groceries
- Capital One Spark Cash Plus
Excellent card for earning unlimited rewards through employee spending
- ExcellentCredit Needed
- $150Annual Fee
- 2% Cash BackRewards Rate
- 2xRewards Rate on Gas
- 2xRewards Rate on Groceries
- Capital One Spark Miles
Best flat-rate rewards card for frequent flyers
- Good-ExcellentCredit Needed
- $95Annual Fee
- 2 Miles per $1Rewards Rate
- 2xRewards Rate at Hotels
- 2xRewards Rate on Groceries
Summary of the Best Capital One Cards for Business
Take a look at how all the top alternatives fare against each other by going through this Capital One business cards comparison table. It tells you who each card is best suited for, its cash back/miles rate, the annual fee you need to pay and the credit needed to apply.
- Credit CardBest ForAvg. Reward RateAnnual FeeCredit Needed
- A great no-annual-fee business card with unlimited 1.5% cash back1.5% Cash Back$0Good-Excellent
- Excellent card for earning unlimited rewards through employee spending2% Cash Back$150Excellent
- Best flat-rate rewards card for frequent flyers2 Miles per $1$95Good-Excellent
When comparing business credit cards, factor in the annual fee against the rewards earned. Some small business owners may not spend enough to offset the annual fee versus a card with no fee and a slightly lower rewards rate. -- Lee Huffman, credit card expert at BaldThoughts.com.
About Our Rankings
Experts at MoneyGeek take a close look at all the new and existing Capital One credit cards for business each month. They then select the top one after comparing them across parameters such as early spend bonus offers, annual fees, cash back/miles rates, APRs and foreign transaction fees.
If you’re wondering what business cards from other issuers have to offer, you may benefit by taking a look at our selection of all the top business credit cards.
Top Rating Criteria for Capital One Cards
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. This is the only business charge card that Capital One provides as of now.
Early spend bonus
The early spend bonus you stand to earn depends on the card you get. For example, while the Capital One Spark Cash Select Card 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 offers a two-staged spending bonus. You'll receive $500 cash back if you spend $5,000 in the first three months, plus an additional $500 cash back if you spend a total of $50,000 in the first six months.
Cash back/miles rate
The cash back or miles per dollar you earn is not the same across all Capital One business cards. With the Spark Classic Card, which is meant for those who wish to build their credit, you get 1% cash back on all business purchases. The no-annual-fee Spark Cash Select Card, on the other hand, comes with 1.5% cash back on all business purchases.
Annual fee
Capital One gives businesses the option of choosing from business cards that come with and without annual fees. The Capital One Spark Cash Select Card makes for the best no-annual-fee choice.
APR
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. However, this aspect requires your attention if you’re looking at cards from other issuers.
Other features/perks
Card-specific benefits may come in the form of free employee cards, $0 fraud liability, access to business management tools, payment flexibility, auto payments, roadside assistance and extended warranty. The Capital One Spark Miles Card lets you transfer your miles to partner loyalty programs.
Further Reading
About the Author

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.