Best Capital One Credit Cards for Business in 2024

This card is a great all-round business card, offering a decent flat rate for rewards, a sizable sign up bonus and the convenience of no additional fees for foreign transactions. If you're a small business owner looking for a no-annual-fee cash back card, this deserves a spot on your shortlist.

• Spend $4,500 in the first three months and earn a $500 intro bonus
• 1.5% cash back on all purchases
• 5% cash back on travel booked through Capital One Travel
• No annual fee
• No foreign transaction fees
• Free employee cards
• Tracking and monitoring of all cards
• Business reporting options, like year-end itemized summaries for taxes and purchase records in multiple formats

The Capital One Spark Cash Plus Credit Card is a compelling option for business owners due to its robust reward structure. Notably, it provides an above-average cash back rate, bolstered by additional rewards on travel purchases, creating the potential for substantial savings. A generous welcome bonus adds to the allure, although it comes with a high spending requirement. The card's annual fee is waived for high spenders, and it offers a suite of business tools designed to streamline expense management.

• Earn a one-time cash bonus of $2,000 after spending $30,000 in the first three months.
• Earn an additional $2,000 for every $500,000 spent during the first year, with no limit on how many times you can earn this bonus.
• Earn unlimited 2% cash back on every purchase, everywhere, with no limits or category restrictions.
• Enjoy 5% cash back on hotels and rental cars booked through Capital One Travel.
• No preset spending limit, adapting to your business needs based on spending behavior, payment history, and credit profile.
• Free employee and virtual cards to empower your team and earn rewards from their transactions.
• Automatic syncing of transaction data with your accounting software and easy vendor payments.
• $150 annual fee, refunded if you spend $150,000 annually.
• No APR, as the balance is due in full every month.

The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.

• Earn a one-time bonus of 50,000 miles after spending $4,500 in the first 3 months.
• Earn unlimited 2X miles per dollar on every purchase, with no limits or category restrictions.
• Earn 5X miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel.
• Transfer your miles to over 15 travel loyalty programs.
• Redeem miles for flights, hotels, and ride-sharing services.
• Receive up to a $120 statement credit or TSA PreCheck® or Global Entry.
• $0 introductory annual fee for the first year; $95 after that.
• Free employee cards that also earn unlimited 2X miles.