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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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If you own a business, you understand the need to separate personal and business expenses and the importance of having an organized system to keep track of those expenses. Ideally, you’ll also have a system for earning rewards on every purchase your business makes. These reasons make a good case for your operation to have at least 1 business credit card.
Capital One, traditionally known for its personal credit card marketing jingle, “What’s in your wallet?” also issues a respectable collection of business credit cards that, just like its personal cards, deliver earnings on every purchase you make.
Known for their lack of complexity, Capital One credit cards offer simple earning structures, easy redemption options, and minimal bells and whistles regarding benefits. Don’t let the simplicity fool you, however, as the right Capital One business credit card could be an appropriate fit for your business.
Following are the business credit cards Capital One has to offer so you can discover a gem in here that makes sense for your business operation.
The 6 Best Capital One Business Cards — Overview
While Capital One does a great job of keeping things simple when it comes to business credit cards, there are differences between cards.
Here’s a summary of all the earnings and notable benefits of the featured business cards we’ve mentioned in our article today.
*Information collected independently. Not reviewed by Capital One.
Note that earnings, redemption options, welcome offers, and benefits do change. Review the most recent offers and associated benefits before applying for any credit card.
The 3 Best Capital One Business Cards For Travel
With unlimited earnings, every expense your business makes will be rewarded when you use a Capital One business card.
Whether you use your earned miles for flights, hotels, or other travel expenses, these cards can help reduce the bottom-line cost of travel.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.
The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel.
150,000 miles
$2,700
$395
All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
Information collected independently. Not reviewed by Capital One.
The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.
From 2x miles on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.
Pros
10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
2x miles per $1 on all other purchases
$300 annual travel credit on bookings made through Capital One Travel
10,000 bonus miles awarded on your account anniversary each year
Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and Priority Pass lounges
Global Entry/TSA PreCheck credit
Free employee cards
No preset spending limit
No foreign transaction fees
Cons
$395 annual fee
10x and 5x bonus categories are limited to Capital One Travel bookings
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®
No preset spending limit
Financial Snapshot
APR: All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
Perhaps the very best business card in the Capital One family is the Capital One Venture X Business card. We like the big welcome bonus offer the card earns, which is among the highest out there, and the ability to add employee cards for no fee.
Travel perks like primary car rental insurance, airport lounge access, Global Entry/TSA PreCheck reimbursement, and more are essential for any business traveler.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.
Pros
Unlimited 2x miles per $1 spent on all purchases
5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
2 complimentary visits to a Capital One Lounge per year
Up to a $100 Global Entry or TSA PreCheck credit
Access to Capital One transfer partners
No foreign transaction fees
Free employee cards
Extended warranty coverage
Cons
Annual fee: $0 intro for the first year, $95 after that
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
We like that the Capital One Spark Miles card earns double rewards on every purchase your business makes. As a busy business owner, you can also appreciate the simplicity of not having to manage a complicated card-earning structure.
When it’s redemption time, you’ll have the option to redeem your miles via Capital One Travel or redeem miles against travel purchases from the last 90 days with a statement credit. However, you’ll find extra potential value if you utilize the option to transfer miles to hotel and airline partners.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
(Information collected independently. Not reviewed by Capital One.)
(Information collected independently. Not reviewed by Capital One.)
$0
0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.
Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening.
Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
Earn 5X miles on hotel and rental car bookings through Capital One Travel.
Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
0% intro APR for 9 months; 18.24% – 28.24% variable APR after that.
Financial Snapshot
APR: 0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
If you’re looking for a similar business card without an annual fee, the Capital One Spark Miles Select card earns 1.5x miles on every purchase with unlimited earnings. The card does not come with the additional travel benefits of the Capital One Spark Miles card, but it does not charge foreign transaction fees and offers the same flexible redemption options.
Bottom Line: If your business has high earnings that do not fall into traditional business expense categories and you have business travel expenses to offset, receiving flat-rate earnings on all purchases and the ability to offset the cost of business travel could make a Capital One miles-earning card a consideration.
The 3 Best Capital One Business Cards for Cash-Back
Cash-back rewards are as liquid as you can get, making it easy to reinvest the funds directly back into your business. Capital One has several business cards offering cash-back rewards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
$1,200
$150
N/A
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and free employee cards, there is something that every business owner will love.
Pros
Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit
Get your $150 annual fee refunded every year you spend at least $150,000
Complimentary employee cards
No foreign transaction fees
Extended warranty coverage
Payment flexibility (pick your own due date)
Cons
$150 annual fee
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Get your $150 annual fee refunded every year you spend at least $150,000 or more
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
The Capital One Spark Cash Plus card comes with a nice welcome bonus after meeting minimum spending requirements and provides unlimited ongoing 2% cash-back earnings on every purchase.
The card does have a $150 annual fee, but you can get this refunded every year you spend at least $150,000.
Not to mention, if your business spends more than $30,000 each year, you should fare better over one of the Capital One no-annual-fee cards.
Hot Tip: A great perk that comes with all Capital One consumer and business cards through June 22, 2024, is a free 6-month membership to The Cultivisit, a service offering free access to museums around the world.
2. Capital One Spark Cash Select for Excellent Credit
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases.
If you would prefer a cash-back business card with no annual fee, the Capital One Spark Cash Select card should be a consideration. The card earns unlimited 1.5% cash-back on every purchase.
3. Capital One Spark Classic for Business
Perhaps your credit is not as strong as it could be, but you still need a business card that will reward every purchase. The Capital One Spark Classic card earns just 1% cash-back, but you may be able to be approved with just a fair credit history. Also, the card does not charge an annual fee.
You’ll need to pay the card off every statement period to avoid high ongoing and penalty interest rates.
Bottom Line: Select the Capital One business cash-back card offering an annual fee option that fits your preference and earn 1%, 1.5%, or even 2% cash-back on every purchase you make.
The Best Capital One Business Card for 0% APR on Purchases
When your business makes a large purchase, it might be convenient if the expense could be paid back over time, allowing your business to save money while no interest was charged for the privilege. Business credit cards with 0 APR for purchases could help in this situation.
The Capital One Spark Miles Select card offers 0% intro APR for 9 months; 18.24% - 28.24% variable APR thereafter. You’ll want to be sure to pay off any balances prior to the offer’s expiration date.
Bottom Line: If you have a large business purchase(s) coming up, taking advantage of an introductory 0% APR offer could save you money as you will not be charged interest during the associated 0% APR period.
Redeeming Capital One Miles or Cash-Back
Whether you’ve accumulated a stash of Capital One miles or cash-back, you’ll find that redeeming those rewards is a simple process and you’ll have several options for doing so.
Redeeming Capital One Miles
Although Capital One Miles are called “miles,” they are not frequent flyer miles but simply redeemable points.
You can purchase travel from any travel provider, and once the charge shows up on your card statement, just redeem your miles online for a credit against your purchase. You can also book travel via Capital One Travel using your miles. Capital One miles are worth 1 cent each towards travel for either of these 2 options.
You can transfer your Capital One miles to airline transfer partners and book award tickets for additional potential value.
Other options for redeeming your miles include statement credits for other purchases, experiences, or gift cards. However, the value you receive could be much less than 1 cent per mile.
Also, when your eligible card is linked to PayPal, you can checkout with PayPal and redeem your miles at a rate of 125 miles to $1. We’d recommend this only if you can’t use your miles for travel or as a statement credit.
Redeeming Cash-Back
Your cash-back rewards can be redeemed at any time for any amount. When redeeming your cash-back for a statement credit or check, you can expect to receive a full 1 cent value for each 1 cent in cash-back you have in your account. You may receive less value for other redemptions, such as gift cards.
When your eligible card is linked to PayPal, you can checkout with PayPal and redeem your cash-back at a rate of $1 to $1.
Cash-back does not expire as long as your account is open.
Bottom Line: You’ll have several redemption options with your Capital One miles and cash-back rewards. However, the best potential value can be realized by transferring miles to airline or hotel partners. It is not good value to redeem your rewards for less than 1 cent each in value.
Additional Benefits of Capital One Business Cards
In addition to straightforward earning options and flexible redemption choices, Capital One business credit cards can offer these associated benefits.
Please note that the information below has been collected independently by Upgraded Points and not provided by the card issuer. Visa or Mastercard provides some of these benefits and may vary by product. See your respective guide to benefits for details, as terms and exclusions apply.
Business Benefits
Employee cards at no additional cost
Customized spending limits for each card
Downloadable expense reports
Annual summaries for tax purposes
Ability to immediately track expenses
Zero fraud liability
Travel and Shopping Benefits and Protections — Visa Signature Business Cards
Capital One business cards that are issued as Visa Signature cards come with the following additional benefits:
Auto rental collision damage waiver includes primary car rental coverage when used for business purposes (secondary for personal use) for damage, loss of use, and theft.
Emergency travel assistance provides help finding referrals for legal, medical, translation, lost luggage, and more.
Roadside assistance includes 24/7 assistance services for towing, emergency gas, flat tire changes, and more. The cardholder is responsible for actual services.
Travel accident insurance includes benefits for accidental death or covered severe injury when traveling on a licensed common carrier.
Lost luggage insurance provides excess coverage for checked or carry-on luggage damaged, lost, or misdirected by the common carrier.
Price protection covers eligible items if the price decreases within 60 days of purchase.
Purchase security covers eligible items for theft and damage for 90 days from the purchase date.
Extended warranty protection extends the original manufacturer’s warranty on eligible purchases made with the eligible card.
Note that this is an abbreviated summary of benefits and protections. Please review the benefits guide for Capital One Visa Signature business cards for more information on coverage descriptions, terms and conditions, and a complete list of card benefits.
Everything Else You Need To Know
Capital One business cards are likely to be issued as Visa Signature cards, but you could also receive a Visa Platinum card. Which card you receive will depend on your creditworthiness as determined by Capital One.
Although initially, your personal credit may be used to determine approval, Capital One business cards report to business credit bureaus such as Experian, Dun and Bradstreet, and the Small Business Financial Exchange. This makes building your business credit through Capital One business cards possible.
Take your Capital One business card along when you travel, as there are no foreign transaction fees charged on any of the Capital One business cards.
Final Thoughts
You should have excellent credit to increase your chances of approval for most Capital One business credit cards. With excellent credit, you may have your choice of business credit cards, so you’ll want to select the cards that deliver the most bottom-line value.
If your spending doesn’t fall into standard business bonus spending categories such as office supply stores, shipping, internet, phone, dining, or gas stations, you may fare well with a Capital One business card that offers 2x unlimited earnings on every purchase.
In many cases, a combination of more than 1 business credit card becomes an appropriate solution to maximize earnings, meet your redemption goals, and receive the desired benefits. If you’re not sure where to start, check out our business owner’s guide to points and miles for some guidance.
The information regarding the Capital One Spark Classic for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. For rates and fees of The Business Platinum Card® from American Express, click here.
Featured Image Credit: monticellllo - stock.adobe.com
Frequently Asked Questions
Which is the best Capital One business credit card?
The best Capital One business card will depend on how much your business spends and the category of your biggest expenses.
However, if you spend more than $20,000 per year, you may be better off with a Capital One business card that offers unlimited 2x earnings on all purchases, even if you pay an annual fee.
If your business spends a lot on travel and you appreciate luxury travel benefits such as airport lounge access, hotel elite status, and travel purchase statement credits, a premium travel rewards card may be a better fit.
Can I transfer Capital One miles to airlines?
Yes, Capital One miles can be transferred to several airline partners and then redeemed for award tickets.
The process is simple: log in to your online Capital One credit card account and initiate the transfer. Once the miles transfer is complete, the Capital One miles become frequent flyer miles that can be used to purchase award tickets.
However, the process is not reversible, as once you have transferred Capital One miles to an airline partner, they cannot be transferred back.
Do Capital One miles or cash-back expire?
Neither the Capital One miles nor the cash-back you accumulate in your account expire as long as your account is active.
If you close your account, any unused rewards will be forfeited.
How many Capital One business cards can I have?
The official policy is that Capital One allows you to have a total of 2 business credit cards at 1 time.
How do I use my Capital One miles?
Redeeming your Capital One miles is quite simple. You would first log in to your online Capital One account, click on your miles balance, and you’ll find the redemption options.
You can select Redeem Travel Purchases to use your miles at 1 cent each as a credit against previous travel purchases for up to 90 days after the purchase is posted to your account.
You can redeem miles for new travel via the Capital One Travel portal and purchase travel directly.
Both options deliver a value of 1 cent per mile.
To receive potentially greater value, you can transfer your Capital One miles to airline partners and use them to purchase airline award tickets or to hotel partners.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
