Pre-approval for Capital One Business Credit Cards

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Rates & fees

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Venture X Business product image

Venture X Business

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OFFERS & BONUSES
150,000 bonus miles when you spend $30K in the first 3 months 1
EVERYDAY REWARDS
Unlimited 2X miles on every purchase, with no restrictions or blackout dates
ANNUAL FEE
$395
PURCHASE RATE
Pay in full or carry a portion of your balance, subject to a variable APR of 25.74%. 5
CAPITAL ONE TRAVEL REWARDS
Unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
Spark 2% Cash Plus product image

Spark 2% Cash Plus

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OFFERS & BONUSES
$4,000 or more in bonuses—$2,000 cash bonus when you spend $30K in the first 3 months, and $2,000 for every $500K spent in the first 12 months 1
EVERYDAY REWARDS
Unlimited 2% cash back on every purchase, with no minimums or expiration date
ANNUAL FEE
$150—spend $150,000 annually and we’ll refund this fee every year 4
PURCHASE RATE
Pay in full or carry a portion of your balance, subject to a variable APR of 25.74%. 5
CAPITAL ONE TRAVEL REWARDS
Unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Spark 2% Cash product image

Spark 2% Cash

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OFFERS & BONUSES
$1,000 welcome bonus when you spend $10,000 in the first 3 months. 1
EVERYDAY REWARDS
Unlimited 2% cash back on every purchase, with no minimums or expiration date
ANNUAL FEE
$0 intro for the first year, $95 after that
PURCHASE RATE
24.49% variable APR
CAPITAL ONE TRAVEL REWARDS
Unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Venture Business product image

Venture Business

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OFFERS & BONUSES
100,000 bonus miles when you spend $10,000 in the first 3 months 1
EVERYDAY REWARDS
Unlimited 2X miles on every purchase, with no restrictions or blackout dates
ANNUAL FEE
$95
PURCHASE RATE
24.49% variable APR
CAPITAL ONE TRAVEL REWARDS
Unlimited 5X miles on hotels and rental cars booked through Capital One Business Travel
Spark 1.5% Cash Select product image

Spark 1.5% Cash Select

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OFFERS & BONUSES
$750 welcome bonus when you spend $6,000 in the first 3 months 1
 
0% intro APR for the first 9 months
EVERYDAY REWARDS
Unlimited 1.5% cash back on every purchase, with no minimums or expiration date
ANNUAL FEE
$0
PURCHASE RATE
0% intro APR for 9 months; 16.74% - 26.74% variable APR after that
CAPITAL ONE TRAVEL REWARDS
Unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
VentureOne Business product image

VentureOne Business

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OFFERS & BONUSES
50,000 bonus miles when you spend $4,500 in the first 3 months 1
EVERYDAY REWARDS
Unlimited 1.5X miles on every purchase, with no restrictions or blackout dates
ANNUAL FEE
$0
PURCHASE RATE
16.74% - 22.74% variable APR
CAPITAL ONE TRAVEL REWARDS
Unlimited 5X miles on hotels and rental cars booked through Capital One Business Travel
Spark 1% Classic product image

Spark 1% Classic

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OFFERS & BONUSES
None
EVERYDAY REWARDS
Unlimited 1% cash back on every purchase, with no minimums or expiration date
ANNUAL FEE
$0
PURCHASE RATE
28.99% variable APR
CAPITAL ONE TRAVEL REWARDS
Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

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Select up to two benefits important to your business.
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We’ll check your eligibility for the cards listed below.

Cards you’re offered in pre-approval may have different terms, including introductory rates and bonuses, from those available elsewhere on our website.

Rate and fee information

Spark 2% Cash Plus
  • Minimum Payment: Your card is designed to be paid in full every month to maximize purchasing power and to avoid interest and fees.
  • Transfer Fee: 
  • Balance transfers are not available on Spark Cash Plus
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $150 annually
Spark 2% Cash
  • Purchase APR: 
  • 24.49% variable APR
  • Transfer Fee: Balance transfers are not available on Spark Cash
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $0 intro for the first year, $95 after that
Spark 1.5% Cash Select
  • Purchase &
  • Transfer APR: 
  • 0% intro APR for 9 months; 16.74% - 26.74% variable APR after that
  • Cash Advance APR: 30.49% variable APR
  • Transfer Fee: Balance transfers are not available on Spark Cash Select
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
Spark Classic
  • Purchase &
  • Transfer APR: 
  • 28.99% variable APR
  • Cash Advance APR: 28.99% variable APR
  • Transfer Fee: Balance transfers are not available on Spark Classic
  • Cash Advance Fee: 
  • Either $5 or 5% of the amount of each cash advance, whichever is greater
Venture X Business
  • Minimum Payment: Your card is designed to be paid in full every month to maximize purchasing power and to avoid interest and fees.
  • Transfer Fee: 
  • Balance transfers are not available on Venture X Business
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $395 annually
Venture Business
  • Purchase &
  • Transfer APR: 
  • 24.49% variable APR
  • Cash Advance APR: 30.49% variable APR
  • Transfer Fee: Balance transfers are not available on Venture Business
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $95 annual fee
VentureOne Business
  • Purchase &
  • Transfer APR: 
  • 16.74% - 22.74% variable APR
  • Cash Advance APR: 30.49% variable APR
  • Transfer Fee: Balance transfers are not available on VentureOne Business
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  1. 1

    This one-time bonus is available by clicking the "See if I'm pre-approved" or "Apply now" button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.

  2. 2

    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.

  3. 3

    Spark Cash Welcome Bonus: Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months. This bonus is available by starting the application process from this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous Capital One Business card holders

  4. 4

    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.

  5. 5

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