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If you’re a small business owner, you probably want a business credit card. With a business credit card, you can make business purchases without having to put them on a personal credit card. This helps keep your business and personal finances separate. Some business credit cards also offer business-friendly rewards, such as cash back or miles, that you can use to help your business grow.
Capital One offers five business credit cards. Three of them are flat rate cash back rewards cards, and two of them are travel cards that earn Capital One Miles. Unlike other card issuers, Capital One does not offer bonus category business credit cards. This means you won’t be able to get extra rewards for making business purchases in categories like restaurants or office supplies. On the plus side, you’ll get the same cash back or miles reward for every purchase, with no limit on how many rewards you can earn.
What business credit cards does Capital One offer?
Here are the details on business credit cards currently available through Capital One:
|Credit Level Required||Rewards||Sign-up Bonus||APR||Annual Fee||Our In-Depth Review|
|Spark® Classic||Average||Unlimited 1% cash back on all purchases||None||25.24% variable APR||$0||Capital One® Spark® Classic for Business|
|Spark® Cash Select||Excellent||Unlimited 1.5% cash back on all purchases||$200 cash back bonus if you spend $3,000 in the first three months of card ownership||0% intro APR for 9 months on purchases, then 15.24% – 23.24% variable APR||$0||Capital One® Spark® Cash Select for Business|
|Spark® Cash||Excellent||Unlimited 2% cash back on all purchases||Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account. Plus, earn $1,500 when you spend $50,000 in the first 6 months.||19.24% variable APR||$0 for the first year, then $95||Capital One® Spark® Cash for Business|
|Spark® Miles Select||Excellent||Unlimited 1.5x miles per dollar on all purchases||20,000 mile bonus (equal to $200 in travel) if you spend $3,000 in the first three months of card ownership||0% intro APR for 9 months on purchases, then 15.24% – 23.24% variable APR||$0||Capital One® Spark® Miles Select for Business|
|Spark® Miles||Excellent||Unlimited 2x miles per dollar on all purchases||Earn up to 200,000 miles. Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months of opening your account. Plus, earn 150,000 miles when you spend $50,000 within the first 6 months.||19.24% variable APR||$0 for the first year, then $95||Capital One® Spark® Miles for Business|
The best Capital One business credit card
If you are looking for both high rewards and maximum flexibility, the best Capital One business credit card is the Spark® Cash card. This card offers the most cash back of any Capital One business credit card with an unlimited 2% cash back on all purchases.
The one downside is the $95 annual fee. With a 2% cash back reward, you’d have to spend $4,750 a year to earn $95 in cash back — so if you don’t think you’ll put at least $4,750 on your Capital One Spark® Cash card every year, you might want to apply for the no-annual-fee Spark® Cash Select. On the other hand, if you make $5,000 in purchases with your Spark® Cash card in the first three months of card ownership, you’ll get a bonus $500. Spend $50,000 in the first six months of opening your account to earn an additional $1,500. That’s enough to balance out five years of annual fees.
If you are a frequent business traveler, you might want to consider the Spark® Miles or the Spark® Miles Select cards. You’ll have slightly less flexibility because you’ll be rewarded in miles instead of cash, but you can use those miles to cut down on your travel expenses. If you want to learn more about the Capital One Miles program, read A Guide to Capital One Miles.
The best Capital One business credit cards require excellent credit. If you aren’t eligible for one of the best business credit cards, the Spark® Classic card is a good way to take care of your business credit card needs while you build your credit.
Capital One business credit cards are designed to be “no hassle” and easy to use. With a flat rate reward in either cash back or miles, no-annual-fee options, and cards designed for people with different credit levels, it shouldn’t be hard to select the best Capital One business credit card for your business.
Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.