A guide to Capital One business cards

Capital One offers a 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:

• 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 generous rewards and additional benefits to help streamline your spending and manage your account.

• Consider your company’s needs when choosing a business credit card to maximize available rewards. 

By comparing all business credit cards from Capital One, you can find features and benefits 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 a list of all business card options from Capital One to help you decide which works best for your business.

Venture X Business offers unlimited rewards, enhanced travel benefits and access to a suite of tools that work hard for your business. If you have excellent credit and travel frequently, Venture X Business could help you save on travel purchases you make for your business. For an annual fee of $395, you can take advantage of a variety of benefits, like:

• Unlimited travel rewards: Get unlimited 2X miles on every purchase—and if you book through Capital One Business Travel, you’ll earn 10X on hotels and rental cars, 5X on flights and vacation rentals and a $300 annual travel credit for eligible bookings.

• Traveling comfortably: You’ll also receive a statement credit of up to $120 for Global Entry or TSA PreCheck®, helping you breeze through airport security and customs.

• Flexible spend capacity: This card offers big purchasing power, so you can spend more and earn more rewards. Paying down your balance throughout the month can help you spend more when needed and, over time, can help your purchasing power grow as it evolves to your spending needs.

• Annual rewards: Starting on your first anniversary of being a cardholder, you’ll get 10,000 bonus miles.

Venture X Business is a charge card with a flexible spend capacity, meaning you’ll need to pay your balance in full each month. Learn all about Venture X Business.

If your business is a big spender, Spark Cash Plus lets you enjoy purchasing power that adapts to your business. Plus, you can earn competitive cash back rewards on all your purchases. Here are a few more details on the advantages of Spark Cash Plus:

• Unlimited cash back: Spark Cash Plus comes with unlimited 2% cash back rewards for every purchase your business makes. And when you travel, book through Capital One Business Travel to earn unlimited 5% cash back on hotels and rental cars.

• Flexible spending: Spark Cash Plus has no preset spending limit and adapts to your business needs based on your spending behavior, payment history and credit profile.

• Refunded annual fee: Every year, you’ll receive a refund for your $150 annual fee as long as you’ve spent at least $150,000.

Because Spark Cash Plus is a charge card, you have to pay your balance in full each month.

Compared to Spark Cash Plus, Spark Cash is a traditional fixed-line business credit card that offers unlimited cash back on everyday company spending—all for a low annual fee. Here are a few key benefits of Spark Cash:

• Unlimited cash back: Spark Cash offers unlimited 2% cash back on everyday business spending. Plus, you can earn 5% cash back on hotels and rental cars booked through Capital One Business Travel.

• A low annual fee: You can enjoy a $0 annual fee for your first year as a cardholder, and then a low annual fee of $95.

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

• Unlimited travel rewards: Instead of earning cash back, you’ll earn 2X miles on every purchase. Plus, you can earn unlimited 5X miles when you book hotels, rental cars and vacation rentals through Capital One Business Travel.

• A low annual fee: For your first year as a cardholder, the annual fee is $0. After that, it’s a low annual fee of $95.

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

• Unlimited travel rewards: Every purchase you make for your business earns unlimited 1.5X miles.

• No annual fee: With Spark Miles Select, you won’t pay an annual fee.

Spark Cash Select could be a good fit for your business if you’re looking to earn cash rewards with no annual fee. Some benefits include: 

• 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 Business Travel.

• No annual fee: Earn all the rewards and benefits with a $0 annual fee.

If you’re building or rebuilding your credit, Spark Classic could be a great choice for your business. Some benefits include:

• Unlimited cash back: Your business will earn unlimited 1% cash back on every purchase—with no minimums or expiration dates. Plus, you can earn unlimited 5% cash back when you book hotels and rental cars through Capital One Business Travel.

• No annual fee: There’s no annual fee, so you can focus on building or rebuilding your credit for your business.

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:

With Accounts Payable, you can easily pay your vendors in one place—even those that don’t accept credit cards. Plus, you can earn cash back or travel rewards on eligible bills you pay. You can also set up automatic payments, choose your own due dates, get itemized year-end summaries and more.

With free employee and virtual cards, your team can make purchases and earn rewards on their eligible transactions. You can set customized spending limits, monitor their spending and manage users from anywhere—your laptop, tablet or mobile device—at any time.

Capital One business cards have $0 fraud liability for unauthorized purchases. And if your card is lost or stolen, you can get an emergency replacement card and a potential cash advance. You can also set up fraud and security alerts to be notified about potential suspicious activity.

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

Capital One business credit cards offer great options like cash back and travel rewards. Plus, you can enjoy elevated benefits that make managing your spending and protecting your account as seamless as possible. 

Compare Capital One business cards to start reaping rewards and benefits today, and get pre-approved—with no impact on your credit scores.