A guide to Capital One business cards

Capital One offers a wide variety of business credit cards designed to meet your company’s specific needs. From earning rewards like cash back or bonus miles to keeping track of your monthly expenses, a credit card can be an essential tool for running your business.

But how do you know which card option is the best fit for your company? Read on for a comparison of all Capital One business credit cards so you can make the most informed choice before you apply.

What you’ll learn:

• Consider your company’s needs when choosing a business credit card to maximize available rewards. 
• Whether your credit scores are excellent or you’re building your credit, Capital One has a business card option for you. 
• Capital One offers business credit cards with great rewards and additional benefits to streamline your spending and manage your account.

By comparing all of Capital One’s business credit cards, you can find features and perks that speak directly to your company’s needs.

Looking to simplify your business’s budget? Want access to best-in-class, unlimited rewards with no expiration dates on purchases? Need to elevate your business travel experience? Here’s what you need to know to find the best Capital One business credit card for you.

Venture X Business offers unlimited rewards, annual bonuses, enhanced travel benefits and access to a suite of tools that work hard for your business. If your company has excellent business credit and you travel frequently, Venture X Business could be a tool to save on travel purchases you make for your business. Some benefits you’ll get with Venture X Business include:

• The ability to earn travel rewards: Unlimited 2X miles on every purchase—and if you book through Capital One Travel, you’ll earn 5X on flights and 10X on hotels and rental cars, plus a $300 annual travel credit. Spend $30,000 in the first three months and earn 150,000 bonus miles.
• Enjoy traveling comfortably: Venture X Business includes a complimentary Priority PassTM membership with unlimited access for you and two guests to over 1,300 airport lounges. You’ll also receive a statement credit of up to $100 for Global Entry or TSA PreCheck® and breeze through airport security and customs.
• Flexible spending capacity: This card can adapt and grow with you. Each time you use it, the Venture X Business card learns about your spending needs. It also allows you to make multiple payments in a billing cycle to help you grow your purchasing power.

If your business is a big spender, Spark Cash Plus lets you enjoy purchasing power that adapts to your business. And you’ll earn some best-in-class travel rewards, too. Here are a few more details about Spark Cash Plus:

• Access unlimited cash back: Spark Cash Plus comes with unlimited 2% cash back rewards for every purchase your business makes.
• Earn extra rewards with Capital One Travel: When you travel, book through Capital One Travel to earn unlimited 5% cash back on hotels and rental cars.
• Enjoy flexible spending capacity: Spark Cash Plus has no preset spending limit. It adapts to your business needs based on your spending behavior, payment history and credit profile.
• Get your annual fee refunded: Every year, you’ll receive a refund of your $150 annual fee as long as you’ve spent at least $150,000. 

Keep in mind that with Spark Cash Plus, you have to pay your balance in full each month. 

Spark 2X Miles could be a good fit for your business if you’re looking for a fixed line of credit along with some travel rewards. Benefits include:

• Earn travel rewards: Instead of earning cash back, you’ll earn 2X miles on every purchase. Spend $4,500 in the first three months with your card and earn a 50,000-mile bonus, too.
• Get perks for booking with Capital One Travel: Book hotels and rental cars through Capital One Travel and earn unlimited 5X miles.
• Redeem rewards your way: You can use your miles where it most benefits your business, whether that’s on flights, hotels or vacation packages.

Looking for a travel rewards card with no annual fee? Spark 1.5X Miles Select might be the business credit card for you, with benefits including:

• Earn unlimited rewards: Every purchase you make for your business earns unlimited 1.5X miles.
• Get bonus miles: Earn a one-time 50,000-mile bonus after spending $4,500 on purchases within the first three months of opening the account.

Depending on your credit score, the Spark 1.5% Cash Select credit card offers two options for your business, including Spark 1.5% Cash Select for excellent credit and for good credit. Benefits include:

• Earn unlimited cash back: Your business will enjoy unlimited 1.5% cash back on every purchase, plus unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
• No annual fee: Both Spark Cash Select cards have no annual fee, which helps you earn rewards more quickly.
• One-time cash bonus: Spark 1.5% Cash Select for excellent credit comes with the option to earn a one-time $750 cash bonus when you spend $6,000 in the first three months.
• Favorable APR: Spark 1.5% Cash Select for good credit has a 0% intro APR for 12 months. Your APR will then be determined based on your creditworthiness. Just keep in mind that your minimum monthly payment will be $15 or 1% of your balance plus new interest, late payment fees and any past-due amount.

If you’re building or rebuilding your credit, Spark 1% Classic is a great choice for your business. Benefits include:

• No annual fee: There’s no annual fee, so you can focus on building or rebuilding your credit for your business.
• Earn rewards: Your business will earn unlimited 1% cash back on every purchase—with no minimums or expiration dates. Plus, book hotels and rental cars through Capital One Travel and earn unlimited 5% cash back. 

Each Capital One business credit card offers its own unique rewards, but they also come with some standard benefits across the board. A few of these benefits include:

• Manage your business’s spending. With Accounts Payable, you can easily pay your vendors—even vendors that don’t accept credit cards—in one place. Plus, you’ll earn cash back or travel rewards on every bill you pay. Set up automatic payments, choose your own due dates, get itemized year-end summaries and more.
• Use and manage employee cards. With free employee and virtual cards, your team can make purchases and earn rewards on their transactions. You can set customized spending limits, monitor their spending and manage users from anywhere—your laptop, tablet or mobile device—at any time.
• Protect your business with comprehensive security features. Capital One business cards have $0 fraud liability, and, if your card is lost or stolen, you can get an emergency replacement card and a cash advance. You can also set up fraud and security alerts to be notified immediately about potential suspicious activity. 

Here are a few answers to some frequently asked questions about Capital One’s business credit card offers.

Every Capital One business credit card offers great options like cash back and travel rewards. Plus, you’ll enjoy elevated benefits that make managing your spending and protecting your account as seamless as possible. 

Compare Capital One business cards to start reaping the rewards and benefits today.