Pay-in-full card with no preset spending limit
A charge card that adapts based on your spending behavior, payment history, credit profile and other factors. 4
Filters:
Excellent Fair
- Cash back
- Travel rewards
- No annual fee
- Charge card
- Welcome offer
BIG PURCHASES. BIG travel REWARDS.
Venture X Business
150K bonus miles when you spend $30K in the first 3 months plus a $300 annual Capital One Travel Credit
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Annual fee: $395
2X miles
on every purchase, with no restrictions or blackout dates
10X miles
on hotels and rentals and 5X miles on flights booked through Capital One Business Travel
Charge card
with big purchasing power for high-spending businesses that typically pay their balance in full
Featured benefits
Accounts Payable
Manage your accounts payable by sending and tracking payments directly from your Capital One account.
Capital One Lounge & Priority Pass
Recharge with luxurious, all-inclusive amenities at Capital One lounges and access to 1,300+ lounges worldwide.
TSA PreCheck® or Global Entry
Receive up to a $120 statement credit on TSA PreCheck® or Global Entry when you use your eligible card to cover the fee. 5
BIG PURCHASES. BIG Cash REWARDS.
Spark 2% Cash Plus
Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
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Annual fee: $150—spend $150,000 annually and we’ll refund this fee every year
2% cash back
on every purchase, with no minimums or expiration dates
5% cash back
on hotels and rental cars booked through Capital One Business Travel
Charge card
with big purchasing power for high-spending businesses that typically pay their balance in full
Featured benefits
Pay-in-full card with no preset spending limit
A charge card that adapts based on your spending behavior, payment history, credit profile and other factors. 4
Accounts Payable
Manage your accounts payable by sending and tracking payments directly from your Capital One account.
Free employee cards
Earn rewards on every transaction from your team with free cards. And set individual limits for each employee.
$0 Fraud liability
If your card—or an employee card—is lost or stolen, you’ll be covered with $0 fraud liability for unauthorized charges. 6
Travel Rewards & Low Annual Fee
Spark 2X Miles
Earn 50,000 bonus miles once you spend $4,500 in the first 3 months. Transfer miles to 15+ travel partners.
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Annual fee: $0 intro for the first year—$95 after that
2X miles
on every purchase, with no restrictions or blackout dates
5X miles
on hotels and rental cars booked through Capital One Business Travel
Credit card
24.49% variable APR
Featured benefits
TSA PreCheck® or Global Entry
Receive up to a $120 statement credit on TSA PreCheck® or Global Entry when you use your eligible card to cover the fee. 5
Accounts Payable
Manage your accounts payable by sending and tracking payments directly from your Capital One account.
No foreign transaction fees
Make purchases outside of the U.S. with zero transaction fees.
Free employee cards
Earn rewards on every transaction from your team with free cards. And set individual limits for each employee.
Cash rewards & LOW annual fee
Spark 2% Cash
Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months.
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Annual fee: $0 intro for the first year—$95 after that
2% cash back
on every purchase, with no minimums or expiration dates
5% cash back
on hotels and rental cars booked through Capital One Business Travel
Credit card
24.49% variable APR
Featured benefits
Software integrations
Simplify your financial management process with software integrations that connect directly with your account.
$0 Fraud liability
If your card—or an employee card—is lost or stolen, you’ll be covered with $0 fraud liability for unauthorized charges. 6
Secure purchase records
Quickly and securely download your records into formats that work for you, including Quicken, QuickBooks and Excel.
Free employee cards
Earn rewards on every transaction from your team with free cards. And set individual limits for each employee.
Travel Rewards & No Annual Fee
Spark 1.5X Miles Select
Earn 50,000 bonus miles once you spend $4,500 in the first 3 months. Transfer miles to 15+ travel partners.
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Annual fee: $0
1.5X miles
on every purchase, with no restrictions or blackout dates
5X miles
on hotels and rental cars booked through Capital One Business Travel
Credit card
16.74% - 22.74% variable APR
Featured benefits
No foreign transaction fees
Make purchases outside of the U.S. with zero transaction fees.
Accounts Payable
Manage your accounts payable by sending and tracking payments directly from your Capital One account.
Software integrations
Simplify your financial management process with software integrations that connect directly with your account.
Free employee cards
Earn rewards on every transaction from your team with free cards. And set individual limits for each employee.
Cash Rewards & No Annual Fee
Spark 1.5% Cash Select
Earn a $750 cash bonus when you spend $6,000 in the first 3 months.
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Annual fee: $0
1.5% cash back
on every purchase, with no minimums or expiration dates
5% cash back
on hotels and rental cars booked through Capital One Business Travel
Credit card
16.74% - 22.74% variable APR
Featured benefits
$0 Fraud liability
If your card—or an employee card—is lost or stolen, you’ll be covered with $0 fraud liability for unauthorized charges. 6
Accounts Payable
Manage your accounts payable by sending and tracking payments directly from your Capital One account.
Software integrations
Simplify your financial management process with software integrations that connect directly with your account.
Free employee cards
Earn rewards on every transaction from your team with free cards. And set individual limits for each employee.
Build credit & no annual fee
1% cash back
on every purchase, with no minimums or expiration dates
5% cash back
on hotels and rental cars booked through Capital One Business Travel
Credit card
28.99% variable APR
Featured benefits
$0 Fraud liability
If your card—or an employee card—is lost or stolen, you’ll be covered with $0 fraud liability for unauthorized charges. 6
Payment flexibility
Pick your own monthly due date, giving your business the control to pay when you want.
Year-end summaries
Get an itemized report of your spending to simplify budgeting and tax time.
Free employee cards
Earn rewards on every transaction from your team with free cards. And set individual limits for each employee.
Benefits you’ll enjoy with all our business cards
Automatic Payments
Set up AutoPay so you don’t have to worry about signing into your account every month.
$0 Fraud Liability
If your card is lost or stolen, you can get an emergency replacement card and a cash advance.
Year-End Summaries
Get an itemized report of your spending to simplify budgeting and tax time.
Free Employee Cards
Track employee spending in real time on our mobile app while earning all the rewards from their free employee cards.
Purchase Records
Securely download your records into formats including Quicken®, QuickBooks® and Excel®.
Frequently asked questions
1.
What information is required to apply for a Capital One Business card?
To apply for a Capital One Business credit card or charge card, you must be an authorized representative for your business. You’ll need to provide personal and business details to verify your identity and establish credit worthiness.
Personal information includes:
- Full legal name
- Personal contact information
- Social Security number
- Monthly rent or mortgage payment
Business information includes:
- Tax ID or Employer ID number (SSN for sole proprietorship)
- Annual revenue
- Monthly business spend
- Names and information of other Beneficial Owners or Controllers
2.
Is there a limit on the amount of cash back or mile rewards I can earn?
No, there’s no limit on the rewards you can earn. You’ll earn rewards on every purchase with no restrictions or expiration dates for the life of your account, provided the account remains in good standing. If your account is closed, you may lose your earned rewards.
3.
What’s the difference between a Capital One Business charge card and a Capital One Business credit card?
The primary differences between our credit cards and our charge cards are your spending limit and repayment requirements.
Charge cards:
- These have no preset spending limit—your purchasing power adjusts based on your spending and payment behaviors.
- Your balance must be paid in full at the end of your billing cycle.
Credit cards:
- There’s a fixed credit line assigned when you are approved for your card.
- You have the option to carry a balance into your next statement cycle with interest.
4.
What other tools are included to assist with managing my business's finances?
Capital One Business credit cards and charge cards come with a built-in suite of tools with no subscriptions or payments required, including:
Accounts Payable
- Gives you the ability to pay vendors with your Capital One Business card, ACH or check—even vendors that don’t typically accept cards. Vendors will receive payment the way they prefer to be paid while you earn rewards on the purchase. Certain payment types will incur a fee.
Security & spending controls
- Benefit from $0 fraud liability for unauthorized charges, virtual card numbers that keep your account safe and custom spend limits for authorized users and managers.
Expense Management
- Helps you quickly add details like receipts and notes, instantly submit reports with auto-submission and monitor expenses on your dashboard. Expense Management is available for Venture X Business, Spark Cash Plus, Spark 2% Cash and Spark 2X Miles.
5.
What should I look for when shopping for a new business card?
When shopping for a new card, many small business owners prioritize features that support business growth. You can focus on these key areas as you search:
Integrations and benefits:
- Look for built-in business tools that can cut your operational costs or streamline your financial processes.
Reward structure:
- Determine if cash back or mile rewards would be more useful for your business.
- Look for cards that don’t have limits or restrictions on how you earn and use your rewards.
Annual fee:
- Review what other benefits come with cards with higher annual fees as these perks can sometimes offset the fee.
APR:
- Business credit cards may have variable APR, while charge cards typically do not have an APR because they must be paid in full each billing cycle.
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The cash bonuses are available by starting the application process from this page, and may not be available if you navigate away from or close this page. The bonuses may not be available for existing or previous Capital One Business card holders.
Spark Cash Plus Welcome Bonus: Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
Spark Cash Plus Additional Bonuses: Earn a $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times during your first year as cardholder.
Venture X Business Welcome Bonus: Earn 150,000 miles when you spend $30,000 in the first 3 months.
Spark 2X Miles Welcome Bonus: Earn 50,000 miles when you spend $4,500 in the first 3 months.
Spark 1.5X Miles Select Welcome Bonus: Earn 50,000 miles when you spend $4,500 in the first 3 months.
Spark Cash Welcome Bonus: Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months of account opening.
Spark Cash Select Welcome Bonus: Earn a $750 cash bonus when you spend $6,000 in the first 3 months. - 2
Once transferred, the expiry and value of transferred rewards are subject to the terms and conditions of the receiving loyalty program.
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Annually, eligible Venture X Business primary account holders will receive a $300 Capital One Business Travel credit (“Credit”) to use toward purchases made through Capital One Business Travel. Each annual Credit will expire on the next account open date anniversary. The Credit will be available within Capital One Business Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation. A Venture X Business card account must be open and in good standing to receive or use the Credit.
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No preset spending limit does not mean unlimited spending. The amount you can spend can change over time based on your spending behavior, payment history, credit profile and other factors.
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To receive a statement credit, you must use your Venture X Business or Spark 2X Miles card to either complete the Global Entry application and the TSA PreCheck® application. You are eligible for one (1) statement credit up to $120 every 4 years. The statement credit will match the Global Entry or TSA PreCheck® program application fee. Cost of application fees may change. Statement credit amount may vary if application fees change. Credit will appear within 1-2 billing cycles, and will apply to whichever program is applied for first. Your account must be open and in good standing when the credit is applied. Refer to the Application or Account Terms for additional details.
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Claims of unauthorized use are subject to verification and investigation. Account holder may be responsible for transactions by other employees.