What’s the Best Capital One Business Credit Card for 2021?
What’s the Best Capital One Business Credit Card for 2021?
The Capital One Spark Cash for Business is the best pick for businesses. With an unfussy 2% Cash Back for your business on every purchase, everywhere, you'll earn cash back rewards whether you're purchasing office furniture or business travel.
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Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Signing up for a business credit card is one tiny but significant step toward legitimizing your small business. Not only does it separate your personal finances from your business expenses, but it also allows your business to start building your business credit score.
Finding the best credit card for your small business will depend on what you’re hoping to get out of a card and how your company’s expenditures break down annually. Capital One offers five small business credit cards, which provide a wide range of rewards, services and features, so you can find the card that fits your business.
Best Capital One business credit cards of 2021
- On Capital One's Secure Website
- On Capital One's Secure Website
- On Capital One's Secure Website
Methodology
To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.
{"backgroundColor":"butter","content":"\n\u003Cstrong\u003EMethodology\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003ETo make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards \u2014 including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"calculate rewards\" href=\"https:\/\/www.valuepenguin.com\/credit-card-methodology\"\u003Ecalculate rewards\u003C\/a\u003E\u003C\/span\u003E.\n","padding":"double"}
- Best for heavy spenders: Capital One Spark Cash for Business
- Best for low expenses: Capital One Spark Cash Select - $500 Cash Bonus
- Best for frequent flyers: Capital One Spark Miles for Business
- Best for moderate travel: Capital One® Spark® Miles Select for Business
- Best for new businesses: Capital One® Spark® Classic for Business
The best Capital One business card for heavy spenders
Capital One Spark Cash for Business
Heavy spenders
- On Capital One's Secure Website
Annual Fee
$0 intro for first year; $95 after that
APR
20.99% (Variable)
Credit Needed
?
Excellent/Good
Editor's Rating
?
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Purchase above your credit limit with no hassle and no over-limit fees
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- $0 Fraud Liability if your card is lost or stolen
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Our thoughts
The Capital One Spark Cash for Business card is the best business credit card offered by Capital One. It comes with a solid 2% Cash Back for your business on every purchase, everywhere. You won't need to worry about bonus categories or varying rewards rates with this card.
You'll Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. This is the highest sign-up bonus offered by any Capital One business card. While you could get a higher introductory offer from other competing business cards, like the Ink Business Preferred℠ Credit Card, the card's sign-up bonus is still a strong incentive to sign up — especially since the annual fee is waived for the first year.
Because the Capital One Spark Cash for Business comes with an annual fee ($0 intro for first year; $95 after that), it only makes sense to choose this card over the Capital One Spark Cash Select - $500 Cash Bonus if your business spends more than $19,000 per year on the card. At $19,000 in annual spending on this card per year, the difference in rewards rates between the two cards covers this annual fee, and the rest becomes additional profit.
Pros
Cons
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$95 after that\u003C\/li\u003E\u003Cli\u003EFree employee cards, which also earn unlimited 2% cash back on all purchases\u003C\/li\u003E\u003Cli\u003E$0 Fraud Liability if your card is lost or stolen\u003C\/li\u003E\u003Cli\u003ERewards won't expire for the life of the account, and you can redeem your cash back for any amount\u003C\/li\u003E\u003Cli\u003ENo foreign transaction fees\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0 intro for first year; 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Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions\\u003C\\\/li\\u003E\\u003Cli\\u003EPurchase above your credit limit with no hassle and no over-limit fees\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 annual fee for the first year; $95 after that\\u003C\\\/li\\u003E\\u003Cli\\u003EFree employee cards, which also earn unlimited 2% cash back on all purchases\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 Fraud Liability if your card is lost or stolen\\u003C\\\/li\\u003E\\u003Cli\\u003ERewards won't expire for the life of the account, and you can redeem your cash back for any amount\\u003C\\\/li\\u003E\\u003Cli\\u003ENo foreign transaction fees\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Heavy spenders\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4224.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/416?url=_capital-one-business-credit-cards\",\"name\":\"Capital One Spark Cash for Business\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Spark Cash for Business: 2% Cash Back All The Time\" href=\"https:\/\/www.valuepenguin.com\/capital-one-spark-cash-credit-card\"\u003EThe Capital One Spark Cash for Business card\u003C\/a\u003E\u003C\/span\u003E is the best business credit card offered by Capital One. It comes with a solid 2% Cash Back for your business on every purchase, everywhere. You won't need to worry about bonus categories or varying rewards rates with this card.\u003C\/p\u003E\n\n\u003Cp\u003EYou'll Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. This is the highest sign-up bonus offered by any Capital One business card. While you could get a higher introductory offer from other competing business cards, like the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ink Business Preferred Credit Card Review: Is It the Best Business Credit Card?\" href=\"https:\/\/www.valuepenguin.com\/chase-ink-preferred-business-card\"\u003EInk Business Preferred℠ Credit Card\u003C\/a\u003E\u003C\/span\u003E, the card's sign-up bonus is still a strong incentive to sign up \u2014 especially since the annual fee is waived for the first year.\u003C\/p\u003E\n\n\u003Cp\u003EBecause the Capital One Spark Cash for Business comes with an annual fee ($0 intro for first year; $95 after that), it only makes sense to choose this card over the Capital One Spark Cash Select - $500 Cash Bonus if your business spends more than $19,000 per year on the card. At $19,000 in annual spending on this card per year, the difference in rewards rates between the two cards covers this annual fee, and the rest becomes additional profit.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003EPros\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-check-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $500 sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Unlimited 2% cashback rate \u2014 no bonus categories to keep track of\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003ECons\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-times-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual fee: $0 intro for first year; $95 after that\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
The best Capital One business card for low expenses
Capital One Spark Cash Select - $500 Cash Bonus
Low expenses
- On Capital One's Secure Website
Annual Fee
$0
APR
13.24% - 19.24% (Variable)
Credit Needed
?
Excellent
Editor's Rating
?
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- 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 if your card is lost or stolen
- No foreign transaction fees
$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
Our thoughts
The Capital One Spark Cash Select - $500 Cash Bonus is the toned-down, $0-annual-fee version of the Capital One Spark Cash for Business. Its rewards rate and sign-up bonus are lower, though much more favorable for small businesses with low expenses — those charging less than $19,000 per year to their cards.
Like the Capital One Spark Cash for Business, the Capital One Spark Cash Select - $500 Cash Bonus offers a simple, flat rewards rate for all purchases — with 1.5% Cash Back on every purchase. One of the major perks of the Capital One Spark Cash Select - $500 Cash Bonus is its $0 annual fee, meaning you won't need to worry about spending a minimum amount to make the card worthwhile.
Finally, you'll receive a $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. This is a subpar sign-up bonus, but you won't have to spend as much money to qualify for it — making it attainable for businesses with lower monthly expenses.
Pros
Cons
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$500 Cash Bonus\"\u003E\u003Cimg alt=\"Capital One Spark Cash Select - $500 Cash Bonus\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4683.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/417?url=_capital-one-business-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Capital One's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E13.24% - 19.24% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a $500 bonus when you spend $4,500 in the first 3 months of account opening\u003C\/li\u003E\u003Cli\u003EEarn unlimited 1.5% cash back for your business on every purchase, everywhere \u2014 with no limits or category restrictions\u003C\/li\u003E\u003Cli\u003ENo annual fee\u003C\/li\u003E\u003Cli\u003ERewards won't expire for the life of the account\u003C\/li\u003E\u003Cli\u003ERedeem your cash back rewards for any amount\u003C\/li\u003E\u003Cli\u003EFree employee cards, which also earn unlimited 1.5% cash back on all purchases\u003C\/li\u003E\u003Cli\u003E$0 fraud liability if your card is lost or stolen\u003C\/li\u003E\u003Cli\u003ENo foreign transaction fees\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"13.24% - 19.24% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a $500 bonus when you spend $4,500 in the first 3 months of account opening\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 1.5% cash back for your business on every purchase, everywhere \\u2014 with no limits or category restrictions\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee\\u003C\\\/li\\u003E\\u003Cli\\u003ERewards won't expire for the life of the account\\u003C\\\/li\\u003E\\u003Cli\\u003ERedeem your cash back rewards for any amount\\u003C\\\/li\\u003E\\u003Cli\\u003EFree employee cards, which also earn unlimited 1.5% cash back on all purchases\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 fraud liability if your card is lost or stolen\\u003C\\\/li\\u003E\\u003Cli\\u003ENo foreign transaction fees\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Low expenses\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4683.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/417?url=_capital-one-business-credit-cards\",\"name\":\"Capital One Spark Cash Select - $500 Cash Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Spark Cash Select for Business: Should You Get It For Your Business?\" href=\"https:\/\/www.valuepenguin.com\/capital-one-spark-cash-select-credit-card\"\u003EThe Capital One Spark Cash Select - $500 Cash Bonus\u003C\/a\u003E\u003C\/span\u003E is the toned-down, $0-annual-fee version of the Capital One Spark Cash for Business. Its rewards rate and sign-up bonus are lower, though much more favorable for small businesses with low expenses \u2014 those charging less than $19,000 per year to their cards.\u003C\/p\u003E\n\n\u003Cp\u003ELike the Capital One Spark Cash for Business, the Capital One Spark Cash Select - $500 Cash Bonus offers a simple, flat rewards rate for all purchases \u2014 with 1.5% Cash Back on every purchase. One of the major perks of the Capital One Spark Cash Select - $500 Cash Bonus is its $0 annual fee, meaning you won't need to worry about spending a minimum amount to make the card worthwhile.\u003C\/p\u003E\n\n\u003Cp\u003EFinally, you'll receive a $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. This is a subpar sign-up bonus, but you won't have to spend as much money to qualify for it \u2014 making it attainable for businesses with lower monthly expenses.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003EPros\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-check-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Unlimited 1.5% cashback rate \u2014 no bonus categories to keep track of\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003ECons\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-times-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Relatively low sign-up bonus\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
The best Capital One business card for frequent flyers
Capital One Spark Miles for Business
Frequent flyers
- On Capital One's Secure Website
Annual Fee
$0 intro for first year; $95 after that
APR
20.99% (Variable)
Credit Needed
?
Excellent/Good
Editor's Rating
?
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Our thoughts
The Capital One Spark Miles for Business comes with the same rewards rate and fees as the Capital One Spark Cash for Business, but with a travel rewards twist. Instead of 2% cash back, you'll earn 2 Miles per $1 on every purchase, everywhere. Also, Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
This card offers the ability to book travel in three ways. First, you can erase any existing travel charges within 90 days on your statement credit using Capital One's Purchase Eraser. Alternatively, you can redeem your miles directly through Capital One to book flights, hotels and more (these first two options offer 1 cent of value per Capital One mile). Last but not least, you can transfer your rewards to Capital One's 15-plus airline and hotel loyalty partners to score a terrific award redemption.
To make the deal even sweeter, you'll receive up to $100 credit for your Global Entry or TSA Precheck application every four years — a benefit that's not offered by the Capital One Spark Cash for Business, despite having the same annual fee ($0 intro for first year; $95 after that.)
Ultimately, the Capital One Spark Miles for Business is the best card for businesses interested in travel rewards and benefits. While you can redeem your miles for other redemption options such as cash back, this will result in a lower value per mile. If you're just interested in pure cash back for your business, opt for the Capital One Spark Cash for Business instead.
Pros
Cons
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ECapital One Spark Miles for Business\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003EFrequent flyers\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/419?url=_capital-one-business-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Capital One Spark Miles for Business\"\u003E\u003Cimg alt=\"Capital One Spark Miles for Business\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4197.jpg\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/419?url=_capital-one-business-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Capital One's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$0 intro for first year; $95 after that\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E20.99% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a one-time bonus of 50,000 miles \u2013 equal to $500 in travel \u2013 once you spend $4,500 on purchases within the first 3 months from account opening\u003C\/li\u003E\u003Cli\u003EEarn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account\u003C\/li\u003E\u003Cli\u003ETransfer your miles to 15+ leading travel loyalty programs like JetBlue\u2122, Air Canada, and Emirates\u2122\u003C\/li\u003E\u003Cli\u003ERedeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services\u003C\/li\u003E\u003Cli\u003EFly through security with one statement credit for either the $85 TSA Pre\u2713\u00ae application fee or the $100 Global Entry application fee\u003C\/li\u003E\u003Cli\u003E$0 intro annual fee for the first year; $95 after that\u003C\/li\u003E\u003Cli\u003EFree employee cards which also earn unlimited 2X miles from their purchases\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0 intro for first year; $95 after that\",\"apr\":\"20.99% (Variable)\",\"bannerDisclaimers\":[\"On Capital One's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a one-time bonus of 50,000 miles \\u2013 equal to $500 in travel \\u2013 once you spend $4,500 on purchases within the first 3 months from account opening\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account\\u003C\\\/li\\u003E\\u003Cli\\u003ETransfer your miles to 15+ leading travel loyalty programs like JetBlue\\u2122, Air Canada, and Emirates\\u2122\\u003C\\\/li\\u003E\\u003Cli\\u003ERedeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services\\u003C\\\/li\\u003E\\u003Cli\\u003EFly through security with one statement credit for either the $85 TSA Pre\\u2713\\u00ae application fee or the $100 Global Entry application fee\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 intro annual fee for the first year; $95 after that\\u003C\\\/li\\u003E\\u003Cli\\u003EFree employee cards which also earn unlimited 2X miles from their purchases\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Frequent flyers\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4197.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/419?url=_capital-one-business-credit-cards\",\"name\":\"Capital One Spark Miles for Business\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn a one-time bonus of 50,000 miles \u2013 equal to $500 in travel \u2013 once you spend $4,500 on purchases within the first 3 months from account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe Capital One Spark Miles for Business comes with the same rewards rate and fees as the Capital One Spark Cash for Business, but with a travel rewards twist. Instead of 2% cash back, you'll earn 2 Miles per $1 on every purchase, everywhere. Also, Earn a one-time bonus of 50,000 miles \u2013 equal to $500 in travel \u2013 once you spend $4,500 on purchases within the first 3 months from account opening.\u003C\/p\u003E\n\n\u003Cp\u003EThis card offers the ability to book travel in three ways. First, you can erase any existing travel charges within 90 days on your statement credit using Capital One's Purchase Eraser. Alternatively, you can redeem your miles directly through Capital One to book flights, hotels and more (these first two options offer 1 cent of value per Capital One mile). Last but not least, you can transfer your rewards to Capital One's 15-plus \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One transfer partners\" href=\"https:\/\/www.valuepenguin.com\/news\/capital-one-transfer-partners\"\u003Eairline and hotel loyalty partners\u003C\/a\u003E\u003C\/span\u003E to score a terrific award redemption.\u003C\/p\u003E\n\n\u003Cp\u003ETo make the deal even sweeter, you'll receive up to $100 credit for your \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best cards for global entry and TSA precheck\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-credit-cards-for-free-global-entry\"\u003EGlobal Entry or TSA Precheck\u003C\/a\u003E\u003C\/span\u003E application every four years \u2014 a benefit that's not offered by the Capital One Spark Cash for Business, despite having the same annual fee ($0 intro for first year; $95 after that.)\u003C\/p\u003E\n\n\u003Cp\u003EUltimately, the Capital One Spark Miles for Business is the best card for businesses interested in travel rewards and benefits. While you can redeem your miles for other redemption options such as cash back, this will result in a lower value per mile. If you're just interested in pure cash back for your business, opt for the Capital One Spark Cash for Business instead.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003EPros\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-check-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Large sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No bonus categories to keep track of\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Up to $100 credit for Global Entry or TSA Precheck application\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003ECons\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-times-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual fee ($0 intro for first year; $95 after that)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Low value when redeeming cash back\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
The best Capital One business card for moderate travelers
Capital One® Spark® Miles Select for Business
One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
Our thoughts
The Capital One® Spark® Miles Select for Business is the travel counterpart to the Capital One Spark Cash Select - $500 Cash Bonus. You'll earn 1.5 Miles per $1 on every purchase, while you can also earn a One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening — equivalent to $200 in travel.
You can also redeem your miles to erase travel purchases on your statement credit or book new reservations through Capital One's travel portal. You can also transfer your miles to a variety of airline and hotel loyalty programs if you can extract more value from your rewards with this method.
If you have minimal business expenses but you intend to travel periodically, this card could be a good match for you. There's a $0 annual fee on this card, so every purchase you make will rack up valuable miles redeemable for free travel.
Pros
Cons
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ECapital One\u00ae Spark\u00ae Miles Select for Business\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe Capital One\u00ae Spark\u00ae Miles Select for Business is the travel counterpart to the Capital One Spark Cash Select - $500 Cash Bonus. You'll earn 1.5 Miles per $1 on every purchase, while you can also earn a One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening \u2014 equivalent to $200 in travel.\u003C\/p\u003E\n\n\u003Cp\u003EYou can also redeem your miles to erase travel purchases on your statement credit or book new reservations through Capital One's travel portal. You can also transfer your miles to a variety of airline and hotel loyalty programs if you can extract more value from your rewards with this method.\u003C\/p\u003E\n\n\u003Cp\u003EIf you have minimal business expenses but you intend to travel periodically, this card could be a good match for you. There's a $0 annual fee on this card, so every purchase you make will rack up valuable miles redeemable for free travel.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003EPros\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-check-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Unlimited 1.5% rewards rate \u2014 no bonus categories to keep track of\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003ECons\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-times-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Relatively low sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Low value when redeeming cash back\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
The best Capital One business card for new businesses
Capital One® Spark® Classic for Business
Our thoughts
The Capital One® Spark® Classic for Business is designed for brand new businesses with limited income. Its rewards aren't that impressive — Earn unlimited 1% Cash Back on every purchase for your business, with no minimum to redeem. Regardless, this card can be an entry-level tool for new businesses having trouble finding approval with other cards.
There's no sign-up bonus offered by the Capital One® Spark® Classic for Business. Still, it is also a $0-annual-fee card, meaning you can sign up without worrying about whether it's worth it. Its primary incentive is to secure a line of credit for your business — not to earn rewards.
Pros
Cons
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ECapital One\u00ae Spark\u00ae Classic for Business\u003C\/h3\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe Capital One\u00ae Spark\u00ae Classic for Business is designed for brand new businesses with limited income. Its rewards aren't that impressive \u2014 Earn unlimited 1% Cash Back on every purchase for your business, with no minimum to redeem. Regardless, this card can be an entry-level tool for new businesses having trouble finding approval with other cards.\u003C\/p\u003E\n\n\u003Cp\u003EThere's no sign-up bonus offered by the Capital One\u00ae Spark\u00ae Classic for Business. Still, it is also a $0-annual-fee card, meaning you can sign up without worrying about whether it's worth it. Its primary incentive is to secure a line of credit for your business \u2014 not to earn rewards.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003EPros\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-check-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Introductory card for new businesses\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003ECons\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-times-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No sign-up bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Low rewards rate\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Capital One business card benefits
In addition to earning rewards, all Capital One Spark cards come equipped with valuable travel protections:
- Rental collision coverage: When paying with your eligible car rental with your Spark card, you'll enjoy complimentary auto rental coverage that covers damage or theft.
- Travel assistance: When traveling, you can reach out to Capital One's emergency services to get legal or medical referrals or other travel-related advice.
- Roadside assistance: In the event of an auto-related emergency, you'll have access to roadside assistance that can help with jump-starting, towing and more.
- No foreign transaction fees: When making purchases abroad in another currency, you won't have to pay any foreign transaction fees with your Spark card.
You'll also enjoy the following shopping protection benefits:
- $0 fraud liability: If your card is lost or stolen, you won't be responsible for fraudulent charges.
- Extended warranty and protection: When purchasing items with your Spark card that comes with a manufacturer's warranty, this coverage extends the warranty period.
Should I choose a Capital One miles card or cashback card?
Among the Capital One Spark business card options, you must choose between earning cash back or travel rewards.
For most businesses, we advise you to apply for the Capital One Spark cashback cards, as you'll gain the most value and flexibility by opting to earn cash. With the Spark Miles cards, these rewards are best for travel purchases but yield a lower return if you opt for cash back.
Below, we take a look at the three Spark cashback cards. We recommend choosing the option that best aligns with your annual spending and your credit history. Here are the fees and rewards of each cashback card, side-by-side:
| | Capital One® Spark® Classic for Business | |
|---|---|---|---|
| Annual fee | $0 intro for first year; $95 after that | $0 | $0 |
| Recommended annual spending | Over $19,000 | Less than $19,000 | N/A |
| Sign-up bonus | Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening | $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening | N/A |
| Promotional APR | N/A | N/A | N/A |
| Regular APR | 20.99% (Variable) | 13.24% - 19.24% (Variable) APR | 26.99% (Variable) |
| Rewards | 2% Cash Back for your business on every purchase, everywhere | 1.5% Cash Back on every purchase | 1% Cash Back on every purchase |
| Foreign transaction fees | None | None | None |
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How do the Capital One business cards compare to other cards?
Among the top issuers — American Express, Bank of America and Chase — the Capital One business credit cards provide relatively low rewards in comparison. Other issuers offer businesses the ability to specialize in particular merchant categories, giving higher rewards on these purchases.
For example, the Chase Ink Business Cash® Credit Card is a popular business card that lets users Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. While these rates are equal to or better than any of the Spark cards, you'll have to keep up with multiple purchase categories that may not even fit your business needs.
Therefore, if you fail to find a business credit card at any other issuer that matches up well with how you spend your money, we recommend considering one of the Capital One Spark cards for an unlimited rewards rate.
What is Capital One Spark for Business?
Capital One Spark for Business is Capital One's line of business credit cards. There are two types: cashback and travel rewards (miles-earning) cards.
How many Capital One business cards can you have?
You cannot have more than five Capital One cards total at one time (including personal and business cards).
How do you open a Capital One business account?
To open a Capital One business account, you must apply for any of Capital One's business credit cards. Be prepared to provide business information on your application, such as your business' total annual revenue and your business tax ID number or employee ID number. (Business tax IDs are not required for sole proprietorships.)
Do Capital One business cards charge foreign transaction fees?
No. All Capital One business credit cards waive foreign transaction fees.
Do Capital One business miles expire?
No. Your miles never expire so long as you keep your account open.
Does Capital One business cash back expire?
No. Your cash back never expires so long as you keep your account open.
The information related to Capital One® Spark® Miles Select for Business and Capital One® Spark® Classic for Business has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.
How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.
Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).