Guide to Capital One cash back business credit cards

If you’re a small-business owner looking to earn rewards for your spending, Capital One offers a range of cash back business credit cards to fit your needs. 

Whether you’re covering office supplies, travel expenses or client dinners, earning cash back can help put money back into your business. And with options for unlimited rewards, no annual fees and credit-building opportunities, there’s a card for every business. 

Keep reading to learn more about cash back business cards from Capital One.

What you’ll learn:

• Capital One offers a suite of cash back business cards with different earning structures and reward potential, and the rewards never expire for the life of the account.

• You can maximize your potential rewards by taking advantage of any sign-up bonuses and additional benefits such as employee cards and travel rewards.

• Before deciding which card is right for your business, consider key factors like annual fees, credit limits, credit score requirements and your business’s spending needs.

The Spark Cash Plus card is designed for businesses with higher spending needs. It offers cardholders straightforward cash back and big purchasing power. Spark Cash Plus is a charge card, which means it is a pay-in-full card with no preset spending limit, so your purchasing power adapts based on factors like spending behavior, payment history and credit profile —unlike a credit card with a fixed limit. With no preset spending limit, your purchasing power adjusts as your business grows—just be sure to pay your balance in full each month.

With the Spark Cash Plus for business card, business owners can enjoy:

• 2% cash back on every purchase, with no limits or restrictions
• 5% cash back on hotels and rental cars booked through our travel booking site. 
• The $150 annual fee is refundable each year as long as you spend $150,000 or more

The Spark Cash card is ideal for business owners who want simple, predictable rewards with a traditional credit line. With this card, business owners can earn:

• Unlimited 2% cash back on every purchase
• 5% cash back on hotels and rental cars booked through our travel booking site. 

And, with no introductory annual fee for the first year ($95 after that), business owners can maximize their rewards without an upfront cost, making it a great option for those who want to earn cash back while keeping expenses predictable.

The Spark Cash Select card is great for small businesses wanting to earn straightforward cash back rewards with no extra costs.

With this card, you’ll enjoy:

• 1.5% cash back on every purchase with no limits or restrictions
• A $500 one-time cash bonus after spending $4,500 in the first 3 months
• 5% cash back on hotels and rental cars booked through our travel booking site

With a $0 annual fee, the Spark Cash Select card empowers small-business owners to maximize every dollar spent while keeping their expenses low.

For new business owners or those looking to build their business credit scores, the Spark Classic is a great choice. This card offers cardholders benefits such as:

• 1% cash back on all purchases

• No annual fee

• 5% cash back on hotels and rental cars booked through our travel booking site

With the Spark Classic card, business owners can manage everyday business expenses and with responsible use boost their business credit profile at the same time.

Beyond earning cash back, Capital One cash back business cards come with valuable extras that help business owners manage expenses, protect their finances and enjoy added perks, including:

• Free employee cards: Business owners can issue employee cards at no additional cost, set customized spending limits for efficient expense tracking, and earn rewards on every purchase.
• Fraud protection: Capital One business cardholders enjoy $0 fraud liability for unauthorized charges, real-time security alerts and virtual card numbers for safer online transactions.
• Travel benefits: With Capital One cash back business cards, business owners earn 5% cash back on hotels and rental cars booked through our travel booking site, plus travel assistance services like no foreign transaction fees and free roadside assistance.
• Flexible payment options: Choose a cash back card with a traditional credit line or no preset spending limit—it all depends on your business needs.
• Accounts Payable: Easily manage your accounts payable directly from your Capital One Business account. Earn rewards when you use your Capital One Business card to pay vendor bills, and enjoy flexible payment options.

Capital One cash back business cards are not only a practical choice for business owners who want more than just rewards, but they also offer powerful tools to streamline spending and efficiently manage expenses.

Choosing the right Capital One cash back business card for your business will depend on your business’s spending habits, financial goals and credit profile.

Some key factors to consider include:

• Spending habits: If your business has high monthly expenses, a card like Spark Cash Plus with unlimited 2% cash back and big purchasing power may be ideal. If you prefer a traditional credit card with a set limit, Spark Cash or Spark Cash Select may be a better fit.

• Annual fees: Some cards, like Spark Cash Plus, have an annual fee. But they offer higher rewards and fee refunds, if you meet certain spending thresholds. Cards like Spark Cash Select have no annual fee, but they may offer slightly lower rewards. Consider whether the rewards and benefits outweigh the annual fee, and determine which structure best aligns with your business’s spending patterns.

• Credit score: If you have strong credit, you’ll qualify for the best cash back cards with top rewards. If your credit is fair and you’re looking to build your credit profile, options like the Spark Classic may be a better fit right now.

• Business size: Larger businesses with high annual revenue and expenses may benefit from a charge card with more purchasing power, like the Spark Cash Plus card. Smaller businesses might prefer a traditional credit card with a fixed limit, like the Spark Cash, Spark Cash Select or Spark Cash Classic cards.

Understanding the differences between each card offering can help you choose the Capital One cash back business card that best aligns with your business’s cash flow and financial needs. The right card can also help you maximize your rewards, ensuring you get the most value from your everyday spending.

Capital One offers a suite of cash back business cards designed to fit different spending habits and needs. Whether you’re looking to maximize rewards or enjoy premium benefits, there’s a card for you.

Ready to find the best card for your business? Compare Capital One business cards and, before you apply, see what you’re pre-approved for—with no impact on your credit.