Business Card

Business charge cards

Earn big rewards on big purchases 1

With no preset spending limit, enjoy increased purchasing power that can grow over time to unlock more rewards potential.
I'm looking for:
Spark Cash Plus
Venture X Business
Big purchases. Big cash rewards.
2026 TPG AWARD WINNER: BUSINESS CARD OF THE YEAR
Spark Cash Plus
Venture X Business
Big purchases. Big cash rewards.
2026 TPG AWARD WINNER: BUSINESS CARD OF THE YEAR
Apply now
Apply now

Offers & Bonuses

$4,000 or more in bonuses 

$2,000 when you spend $30,000 in the first 3 months

 

$2,000 for every $500,000 you spend in the first 12 months.

150,000 bonus miles

when you spend $30K in the first 3 months 2

 

$300 annual travel credit

for bookings through Capital One Business Travel 3

Reward Rate

2% cash back

on every purchase, with no restrictions or blackout dates

 

5% cash back

on hotels, vacation rentals and rental cars booked through Capital One Business Travel

2X miles

on every purchase, with no restrictions or blackout dates

 

10X miles

on hotels and rental cars booked through Capital One Business Travel

 

5X miles

on flights and vacation rentals booked through Capital One Business Travel

Great for

First-year bonuses
Annual fee refund
Elevated cash rewards
No preset spending limit 4
High-spending
Capital One & Priority Pass lounges 5
Annual travel credit 3
TSA PreCheck® or Global Entry 6
Elevated travel rewards
No preset spending limit 4
High-spending

Annual fee

$150

Spend $150,000 annually and we’ll refund this every year

$395

annual fee

Purchase Rate

Pay in full or carry a portion of your balance, subject to a variable APR of 25.74%. 7

Pay in full or carry a portion of your balance, subject to a variable APR of 25.74%. 7

Card details
Apply now
Rates and fees information Rewards terms
Card details
Apply now
Rates and fees information Rewards terms

Dedicated guidance for eligible businesses

Your business may be eligible to work with a dedicated Relationship Manager who can guide you to the best card for your business and help you maximize your spend so you can earn more rewards.

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Benefits for Capital One Business Cardholders

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.

View all business benefits
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  1. 1

    Customers can unlock more purchasing power with no preset spending limit than with fixed line products. Purchasing power is not unlimited and changes over time based on spending behavior, payment history, credit profile and other factors.

  2. 2
    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.
    Venture X Business Welcome Bonus: Earn 150,000 miles when you spend $30,000 in the first 3 months
  3. 3

    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.

  4. 4

    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.

  5. 5

    Enrollment required for the Partner Lounge Network. Certain terms apply. Lounge access is not guaranteed and is subject to space availability. Prices and benefits are subject to change. Learn more about lounges at: https://capitalonetravel.com/lounges.

  6. 6

    To receive a statement credit, you must use your eligible Capital One credit card to complete the application and pay the application fee for either Global Entry or TSA PreCheck®. One statement credit will be processed per account every 4 years, and the credit will apply to the application fee that is charged to your card first. The statement credit will be posted to your account within 2 billing cycles of the fee being charged. Your eligible card account must be open and in good standing at the time of statement credit fulfillment. Statement credits will be reversed if an eligible purchase is returned, refunded, canceled, or modified. Refer to the Application or Account Terms for additional details. Click here for more benefit and eligibility information.

  7. 7

    Pay at least the minimum payment amount by your payment due date, otherwise you’ll be charged a 2.99% late fee.