Best Capital One Credit Cards for Business in 2024

This card is a great all-round business card, offering a decent flat rate for rewards, a sizable sign up bonus and the convenience of no additional fees for foreign transactions. If you're a small business owner looking for a no-annual-fee cash back card, this deserves a spot on your shortlist.

Introductory Offers

• Earn a $500 bonus after spending $4,500 in the first three months.

Rewards

• Earn 1.5% cash back on all purchases.
• Enjoy 5% cash back on travel booked through Capital One Travel.

APRS, Fees, and Penalties

• No annual fee.
• No foreign transaction fees.

Perks & Benefits

• Free employee cards.
• Track and monitor all cards.
• Access business reporting options, including year-end itemized summaries for taxes and purchase records in multiple formats.

The Capital One Spark Cash Plus Credit Card is a compelling option for business owners due to its robust reward structure. Notably, it provides an above-average cash back rate, bolstered by additional rewards on travel purchases, creating the potential for substantial savings. A generous welcome bonus adds to the allure, although it comes with a high spending requirement. The card's annual fee is waived for high spenders, and it offers a suite of business tools designed to streamline expense management.

• Introductory Offers

  • Earn a one-time cash bonus of $2,000 after spending $30,000 in the first three months.
  • Receive an additional $2,000 cash bonus for every $500,000 spent in the first year, with no limit on how many times you can earn this bonus.

• Rewards

  • Earn unlimited 2% cash back on every purchase, with no category restrictions.
  • Earn 5% cash back on hotels and rental cars booked through Capital One Travel.

• Perks & Benefits

  • Enjoy a spending limit that adapts to your business needs, with no preset limit based on your spending behavior and credit profile.
  • Empower your team with free employee and virtual cards, and earn rewards from their transactions.
  • Automatically sync your transaction data with your accounting software.
  • Spend $150,000 annually to get your $150 annual fee refunded.

• APRS, Fees, and Penalties

  • The Spark Cash Plus card requires you to pay your balance in full each month, as there is no APR.

The Capital One Spark Miles for Business is a highly rewarding card ideal for businesses with a diverse range of expenses, particularly those with frequent travel needs. It offers a substantial welcome bonus and a generous rate of return on spending, transforming business expenses into valuable travel rewards. The card shines with its unparalleled flexibility in redeeming rewards, accommodating multiple travel loyalty programs and providing unrestricted freedom in redemption. Useful business tools, like free employee cards and comprehensive financial summaries, make this card a strategic business asset, although it’s important to mind the above-average APR.

• Introductory Offers

  • Earn a one-time bonus of 50,000 miles after spending $4,500 in the first three months.

• Rewards

  • Earn unlimited 2X miles per dollar on every purchase, everywhere.
  • Get unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.

• Perks & Benefits

  • Transfer your miles to over 15 travel loyalty programs.
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services.
  • Receive up to a $120 credit for Global Entry or TSA PreCheck.
  • Free employee cards that also earn unlimited 2X miles from their purchases.

• APRS, Fees, and Penalties

  • Enjoy a $0 intro annual fee for the first year; $95 after that.