Cash back business credit cards
- No Annual Fee
- Charge Cards
- Welcome Offers
Pay in Full Carry a Balance
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Big purchases. Big cash rewards. | Earn great cash rewards with a low annual fee | Earn cash rewards with no annual fee | Build your credit while earning cash rewards |
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Big purchases. Big cash rewards. | Earn great cash rewards with a low annual fee | Earn cash rewards with no annual fee | Build your credit while earning cash rewards |
2% cash back on every purchase
5% cash back on hotels and rental cars booked through Capital One Business Travel | 2% cash back on every purchase
5% cash back on hotels and rental cars booked through Capital One Business Travel | 1.5% cash back on every purchase
5% cash back on hotels and rental cars booked through Capital One Business Travel | 1% cash back on every purchase
5% cash back on hotels and rental cars booked through Capital One Business Travel |
$4,000 or more in bonuses $2,000 cash bonus when you spend $30,000 in the first 3 months
$2,000 for every $500,000 spent in the first 12 months1 | $1,000 welcome bonus when you spend $10,000 in the first 3 months1 | $750 welcome bonus when you spend $6,000 in the first 3 months1 0% intro APR for the first 9 months. | - |
$150 Spend $150,000 annually and we’ll refund this every year2 | $0 intro annual fee $95 after the first year | $0 No annual fee | $0 No annual fee |
Pay in full or carry a portion of your balance, subject to a variable APR of 25.99%.3 | 24.74% variable APR | 0% intro APR for 9 months; 16.99% - 26.99% variable APR after that | 29.24% variable APR |
| Card details | Card details | Card details | Card details |
Benefits for Capital One Business Card Holders
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 and a cash advance.
Year-end summaries
Get an itemized report of your spending to simplify budgeting and tax time.
Account managers
Assign an account manager to make purchases and payments, review transactions and resolve any problems.
Purchase records
Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.
Virtual card numbers
Make safer payments online without exposing your actual card number with merchants.
Frequently asked questions
What information is needed to apply for a cash back business credit card from Capital One Business?
To apply for a cash back business card from Capital One Business, you’ll need to be an authorized representative for your business. As part of the application process, you’ll need to provide personal and business details that verify your identity and establish creditworthiness.
Personal information includes:
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Full legal name
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Personal contact information
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Social Security number
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Monthly rent or mortgage payment
Business information includes:
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Tax ID or Employer ID number (SSN for sole proprietorship)
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Annual revenue
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Monthly business spend
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Names and information of other Beneficial Owners or Controllers
Which cash back card is best for your business?
Capital One Business offers multiple cash back business cards, and the right card for your business depends on several factors.
If you’re looking for a charge card with no preset spending limit that’s great for high-spending businesses, you might consider Spark Cash Plus. It offers 2% unlimited cash back, and the $150 annual fee is refunded every year you spend at least $150,000.
If a traditional fixed-line card is best for your business, consider Spark Cash, Spark Cash Select or Spark Classic.
Spark Cash offers 2% unlimited cash back with a $0 intro annual fee ($95 after the first year), while Spark Cash Select has no annual fee and earns 1.5% cash back.
If you’re looking to build credit, Spark Classic offers 1% cash back and no annual fee.
What business tools are included to help run your business on a daily basis?
Capital One Business cash back cards come with a suite of tools that help you run your business.
With Accounts Payable, you can easily pay vendors by card, even if they don’t accept credit cards. You’ll earn unlimited rewards with each payment, and there’s built-in fraud protection. Certain payment types will incur a fee.
Expense Management is available for Spark Cash Plus and Spark Cash cardholders. It’s a free tool that allows you to quickly report expenses and automatically submit them. Connect it to QuickBooks, Sage Intacc, or Xero and monitor expenses in your dashboard.
All Capital One Business cash back cards come with benefits such as virtual card numbers, so you don’t expose your actual card number with merchants, and free employee cards that allow you to empower your team and earn rewards on their spending.
What credit score is needed for a Capital One Business cash back card?
Spark Cash Plus, Spark Cash and Spark Cash Select typically require excellent credit scores. Spark Classic typically requires fair credit.
But your credit score is only one of several factors considered. During the application process, Capital One Business will evaluate your credit history, income and overall financial profile.
Explore our additional business credit card options.
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The 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.
Spark Cash Welcome Bonus: Earn a one-time $1,000 cash bonus once you spend $10,000 on purchases within the first 3 months from account opening.
Spark Cash Select Welcome Bonus: Earn a one-time $750 cash bonus once you spend $6,000 on purchases within the first 3 months from account opening. - 2
You will receive a statement credit of $150 each year when you spend at least $150,000 in net purchases by your membership anniversary date. You will see the statement credit within 2 billing cycles following your rewards membership anniversary date. Please note that statement credits lower your balance but do not count as payments. You must continue to make any required payments.
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Pay at least the minimum payment amount by your payment due date, otherwise you’ll be charged a 2.99% late fee.