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Capital One Spark Business Cards: Which Is the Best?

Best Capital One business credit cards

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Best Business Charge Card for Big Spenders

Capital One Spark Cash Plus

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2% Reward Rate

Earn unlimited 2% cash back on all purchases.

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Annual Fee
$150
Welcome Offer
$1,200
Regular APR
N/A
Recommended Credit
Excellent (740 - 850)
Why we like it
The Capital One Spark Cash Plus credit card is a solid cash-back charge card option for businesses that spend a significant amount. It offers a flat rate of 2% cash back on all purchases and a generous welcome bonus. Plus, cardholders can have their $150 annual fee refunded each year they spend at least $150,000.
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Card Details

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  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Get your annual fee refunded every year you spend $150,000
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Pros
  • Generous welcome offer for high spenders
  • High 2% cash back rate
  • Charge card, so no APR
Cons
  • No bonus categories
  • Must pay card in full each month
  • Has an annual fee
Bottom Line

For high-spenders, this business card is a solid option, but if you spend a lot in specific categories, another card may offer more value.

Best for Basic Travel Rewards

Capital One Spark Miles for Business

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Up to 5X Reward Rate

Earn 5X miles on all hotel and car rental purchases through Capital One Travel and 2X miles on all other purchases.

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Annual Fee
$0 for the first year, then $95
Welcome Offer
50,000 miles
Regular APR
26.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
Capital One’s Spark Miles for Business is a good card to consider if you’re interested in earning flexible travel rewards when making everyday eligible purchases.
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Card Details

More Card Info

  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck? or Global Entry
  • Free employee cards which also earn unlimited 2X miles from their purchases
Pros
  • High rewards rate
  • Free employee cards
  • Two complimentary visits each year to Capital One Lounges or Plaza Premium Lounges
Cons
  • Has an annual fee after the first year
  • High APR
  • No intro APR
Bottom Line

For business travelers who value simple rewards, this card meets the brief. It also has a low annual fee and a nice welcome offer.

Best for Premium Travel Rewards

Capital One Venture X Business

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Up to 10X Reward Rate

Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, earn unlimited 2X miles on all other purchases.

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Annual Fee
$395
Welcome Offer
150,000 miles
Regular APR
N/A
Recommended Credit
Excellent (740 - 850)
Why we like it
The premium travel benefits and easy-to-earn rewards available through the Capital One Venture X Business card can easily make up for the $395 annual fee.
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Card Details

More Card Info

  • This card has no preset spending limit, so you get purchasing power that adapts to your spending needs.
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Skip the lines with up to a $100 statement credit on TSA PreCheck? or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass? and Plaza Premium Group lounges
  • This is a pay-in-full card, so your balance is due in full every month
  • Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
Pros
  • Can qualify for hundreds of dollars in credits each year
  • Unlimited access to Capital One Lounges
  • Global Entry or TSA PreCheck credit
Cons
  • High annual fee
  • Can’t carry a balance from month to month
  • Excellent credit required
Bottom Line

Although it comes with a steep price tag, this card boasts plenty of perks to make it worth it for the avid business traveler.

Best for No Annual Fee

Capital One Spark Cash Select for Excellent Credit

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Up to 5% Reward Rate

Earn 5% cash back on rental car and hotel bookings through the Capital One Travel portal and earn 2% cash back on all other purchases.

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Annual Fee
$0
Welcome Offer
$750
Regular APR
18.49%-24.49% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
The Capital One Spark Cash Select for Excellent Credit is a great no-annual-fee business card option with modest rewards and a generous yet achievable welcome offer.
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Card Details

More Card Info

  • Rewards won’t expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 Fraud Liability for unauthorized charges
Pros
  • No annual fee
  • Unlimited 1.5% cash back on all purchases
  • Free employee cards
Cons
  • High APR
  • Excellent credit required
Bottom Line

If you don’t want to pay an annual fee, this business card offers a decent reward rate and welcome offer for no yearly cost, but you’ll need excellent credit to qualify.

Best for 0% Intro APR Offer

Capital One Spark Cash Select for Good Credit

Capital One Spark Cash Select for Good Credit
Up to 5% Reward Rate

Earn 5% cash back on rental car and hotel bookings through the Capital One Travel portal and earn 1.5% cash back on all other purchases.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
21.24%-29.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Capital One Spark Cash Select for Good Credit is one of the few business credit cards with an intro APR offer. Although it doesn’t have a welcome offer, if you have plans to make a large purchase and would like to have time to pay it off interest-free, this could be a good option.
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Card Details

More Card Info

  • 0% Intro APR for the first 12 months; 21.24% - 29.24% variable APR after that
  • Rewards won’t expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 Fraud Liability for unauthorized charges
Pros
  • Can qualify with good credit
  • Intro APR period
  • Free employee cards
Cons
  • No welcome offer
  • Lower rewards rate than some cards
Bottom Line

If you don’t want to pay an annual fee, this business card offers a decent reward rate and intro APR offer for no yearly cost, and you can qualify with good credit.

Best for Fair or Limited Credit

Capital One Spark Classic for Business

Capital One Spark Classic for Business
Up to 5% Reward Rate

Earn 5% cash back on rental car and hotel bookings through the Capital One Travel portal and earn 1% cash back on all other purchases.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
30.74% variable
Recommended Credit
Limited, Fair/Good (580 - 740)
Why we like it
The Capital One? Spark? Classic for Business isn’t a high-earning card and its APR is sky-high (30.74% variable). However, it has a lower credit score requirement than many business cards, giving business owners with limited or fair credit a chance to build it up.
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Card Details

More Card Info

  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 fraud liability for unauthorized charges if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Pros
  • Can qualify with fair or limited credit
  • Free employee cards
  • No foreign transaction fees
Cons
  • No welcome offer
  • Lower rewards rate than many cards
  • High APR
Bottom Line

Since options are limited when your business has fair or limited credit, this card is at least something to get you by until you qualify for something better.

Let's compare Capital One business cards

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Card name
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Reward rate
Annual fee
Welcome offer
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Best Capital One business cards: Editorial reviews

Capital One Spark Cash Plus

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Best Business Charge Card for Big Spenders

The Capital One Spark Cash Plus card is good for businesses that spend a lot annually and don’t need to carry over a balance each month. It earns a solid cash back rate of 2% on everything, along with 5% back on eligible travel purchases. It does have a $150 annual fee but if your business spends $150,000 or more per year on it, that fee will be refunded. If your business isn’t very high-spending, you’ll likely find more value elsewhere.

Capital One Spark Miles for Business

[ jump to details ]

Best for Basic Travel Rewards

The Capital One Spark Miles for Business card may be a good option for businesses that want decent access to travel rewards without a hefty annual fee. It has a solid reward rate on travel and other purchases and comes with a hefty welcome bonus. This card also comes with other travel rewards, such as a credit of up to $100 for TSA PreCheck or Global Entry?fees, special discounts through Capital One Travel, a $50 experience credit with many hotel bookings, and more. All in all, this is a solid low-annual-fee business travel card.

Capital One Venture X Business

[ jump to details ]

Best for Premium Travel Rewards

The Capital One Venture X Business card is a good choice for businesses with excellent credit that can maximize miles and travel perks. It has a spectacular earning rate on travel, an extremely generous sign-up bonus, a $300/year annual travel credit, a Global Entry or TSA PreCheck fee credit, and much much more. Yes, it does have a hefty annual fee but the yearly travel credit alone makes up for most of it.

Capital One Spark Cash Select for Excellent Credit

[ jump to details ]

Best for No Annual Fee

For business owners that don’t need to travel — or book travel for employees — regularly, a cash-back card is often a better rewards option. The Capital One Spark Cash Select for Excellent Credit lets you earn 5% cash back on rental car and hotel bookings through the Capital One Travel portal and 2% cash back on all other purchases. There are no expiration dates or minimums, so this is a good card for businesses that don’t want to be locked into spending but want to maximize rewards whenever they do. There’s also no annual fee, so as long as you pay your balance off every month, any cash back you earn is like a discount or money added back to your bottom line.

Capital One Spark Cash Select for Good Credit

[ jump to details ]

Best for 0% Intro APR Offer

The Capital One Spark Cash Select card for Good Credit may be better for businesses that need to carry a balance over time or that don’t quite have the credit background to get approved for the excellent credit version.?This card offers 5% cash back on rental car and hotel purchases through Capital One Travel and 1.5% back on everything else, so there are ample opportunities to earn rewards, and you won’t pay an annual fee. It doesn’t come with a welcome bonus but does have an intro APR offer, something not many business cards boast.

Capital One Spark Classic for Business

[ jump to details ]

Best for Fair or Limited Credit

Businesses still in the process of building credit might opt for the Capital One Spark Classic card. There’s no annual fee, but there’s also no cash bonus welcome offer. You can earn 1% cash back on everyday purchases — and 5% cash back on rental car and hotel bookings through Capital One Travel.

Capital One Spark business card rewards

The rewards structure you experience depends on which Spark business credit card you get.

If you choose a miles-based credit card, you can redeem your miles in numerous ways. In most cases, you get the greatest value by redeeming miles for travel through Capital One Travel. However, you can make a one-to-one miles transfer to other loyalty programs partnered with Capital One. For example, 10,000 Capital One miles could be transferred to the Choice Privileges program for 10,000 points.

You could also redeem miles as a statement credit reimbursement for travel expenses, to purchase exclusive Capital One Entertainment tickets or gift cards, or for cash-back statement credits. You can also transfer miles to someone else who has a Capital One card with the same miles program.

If you opt for a cash-back card, you earn cash rebates with your purchases. The easiest way to redeem cash back is as a statement credit. Note that this doesn’t typically count as your minimum payment due, so you may still need to make that even if your cash back is more than enough to cover it.

You can also request a check from Capital One for your cash back. You can use this to cover a specific recent purchase or transfer it as a payment to you via PayPal. Businesses might use cash back to cover purchases through Amazon or Capital One Travel or the cost of merchandise or gift cards through Capital One programs. Your redemption options may be limited by the rules related to your specific credit card account.

Additional Capital One Spark business card benefits

Your Capital One business credit card also offers perks and benefits designed to help you manage your company.?

Here are a few of the benefits:

1

Free employee cards.

In most cases, you won’t pay extra for employees to have their own cards. This helps you maximize rewards and minimize tedious expense reimbursement processes.

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2

Custom spending limits and account managers.

You can set up customized spending limits and rules for each employee to manage costs and assign account managers to help manage employee spending. Since you can see each transaction as soon as it posts, you can take a proactive approach to employee expense oversight.

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3

Vendor payments.

For a 2.9% fee, you can set up invoice payments through Capital One to pay with your credit card even if a vendor doesn’t take credit cards on their end.

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4

Business integrations.

You can connect your qualifying Capital One business credit card to financial and ERP platforms for easier management. Integrations supported include, but aren’t limited to, QuickBooks, Abacus and Xero.

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5

Fraud protections.

You’re not held liable for charges made if your business cards are lost or stolen. You can also set up fraud and security alerts for additional peace of mind.

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6

Business discounts.

Capital One Business Deals lets you save on common business expenses.

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How to choose the best Capital One Spark business card

Consider your credit situation and business and spending needs to figure out which of the Spark offerings might be best credit card for you.

These are some factors you should think about when choosing a Capital One Spark business card:

How to apply for a Capital One Spark business card

You can apply for any of the Spark cards online.?

The application is straightforward but does require the following:

Depending on the card you choose, you’ll need fair, good or excellent credit. It can take up to 10 days to find out if you’re approved, though some approvals may be almost instant. You typically receive your card within two weeks of approval.

Advertiser Disclosure

Capital One Spark Cash Plus

Capital One Spark Cash Plus
LEARN MORE on Bankrate's secure site
Key Information
Earn unlimited 2% cash back on all purchases. Works like a charge card, so your balance must be paid in full each month. $150 annual fee.
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Capital One Spark Miles for Business

Capital One Spark Miles for Business
LEARN MORE on Bankrate's secure site
Key Information
Earn 5X miles on all hotel and car rental purchases through Capital One Travel and 2X miles on all other purchases. $95 annual fee after the first year.
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Capital One Venture X Business

Capital One Venture X Business
LEARN MORE on Bankrate's secure site
Key Information
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, earn unlimited 2X miles on all other purchases. $395 annual fee
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Alternatives to the Capital One Spark Business cards

Need a business card but want to go with a non-Capital One option??

Here are some alternatives:

Capital One is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Capital One products:

FAQ: Capital One Spark Business cards

Is a Capital One Spark business card hard to get?

You can get approved for the Spark Classic cash-back card with fair credit. Other cards in this line tend to require good or excellent credit.

Does Capital One offer a secured credit card option for business?

No. Capital One doesn’t offer a secured business credit card. It does offer secured credit cards for individuals.

Do Capital One business cards require a personal guarantee?

Yes. Capital One requires a personal guarantee that balances will be paid as agreed. This is standard for most business credit cards.

What is the credit card limit for Capital One business cards?

Credit limits depend on your creditworthiness and ability to pay back any balance. On the low side, initial credit limits can be $500 to $5,000, depending on the card. Those with excellent credit or a proven track record of payments may see credit limits of $60,000 or higher.

Do Capital One Spark business cards show up on your personal credit?

It depends on the card. Most Capital One Spark cards report to both business and personal credit bureaus.

Sarah Stasik
Sarah Stasik Personal Finance

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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