Business credit cards
Excellent Fair
- Cash back
- Travel rewards
- No annual fee
- Charge card
- Welcome offer
2026 TPG BUSINESS CARD OF THE YEAR
Venture X Business
- Everyday RewardsUnlimited 2X miles on every purchase, with no restrictions or blackout dates
- Capital One Travel RewardsUnlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Business Travel
- Annual Fee$395
- Payment TermsPay in full or carry a portion of your balance, subject to a variable APR of 25.74%. 4
BIG PURCHASES. BIG Cash REWARDS.
Spark 2% Cash Plus
Earn $4,000 or more in bonuses when you spend $500K in the first year. 1
- Everyday RewardsUnlimited 2% cash back on every purchase, with no minimums or expiration date
- Capital One Travel RewardsUnlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Annual Fee$150—spend $150,000 annually and we’ll refund this fee every year
- Payment TermsPay in full or carry a portion of your balance, subject to a variable APR of 25.74%. 4
Travel Rewards & Low Annual Fee
Venture Business
- Everyday RewardsUnlimited 2X miles on every purchase, with no restrictions or blackout dates
- Capital One Travel RewardsUnlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Annual Fee$95
- Purchase Rate24.49% variable APR
Cash rewards & LOW annual fee
Spark 2% Cash
Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months. 1
- Everyday RewardsUnlimited 2% cash back on every purchase, with no minimums or expiration date
- Capital One Travel RewardsUnlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Annual Fee$0 intro for the first year, $95 after that
- Purchase Rate24.49% variable APR
Travel Rewards & No Annual Fee
VentureOne Business
- Everyday RewardsUnlimited 1.5X miles on every purchase, with no restrictions or blackout dates
- Capital One Travel RewardsUnlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Annual Fee$0
- Purchase Rate16.74% - 22.74% variable APR
Cash Rewards & No Annual Fee
Spark 1.5% Cash Select
Earn a $750 cash bonus when you spend $6,000 in the first 3 months. 1
- Everyday RewardsUnlimited 1.5% cash back on every purchase, with no minimums or expiration date
- Capital One Travel RewardsUnlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Annual Fee$0
- Purchase Rate16.74% - 22.74% variable APR
Build credit & no annual fee
- Everyday RewardsUnlimited 1% cash back on every purchase, with no minimums or expiration date
- Travel RewardsUnlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Annual Fee$0
- Purchase Rate28.99% variable APR
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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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.
Venture Business Limited Time Offer: Earn up to 150,000 bonus miles: 75,000 miles when you spend $7,500 in the first 3 months, and an additional 75,000 miles when you spend $30,000 in the first 6 months. VentureOne Business Welcome Bonus: Earn 50,000 miles when you spend $4,500 in the first 3 months.
Spark Cash Welcome Bonus: Earn a $1,000 cash bonus when you spend $10,000 in the first 3 months of account opening.
Spark Cash Select Welcome Bonus: Earn a $750 cash bonus when you spend $6,000 in the first 3 months. - 2
Once transferred, the expiry and value of transferred rewards are subject to the terms and conditions of the receiving loyalty program.
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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.
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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.