Business charge cards

Earn big rewards on big purchases

With no preset spending limit, enjoy increased purchasing power that can grow over time to unlock more rewards potential.


Spark Cash Plus	Venture X Business
Big purchases. Big cash rewards.	Big purchases. Big travel rewards.
Apply now	Apply now
Offers & Bonuses
$4,000 or more in bonuses $2,000 when you spend $30,000 in the first 3 months $2,000 for every $500,000 you spend in the first 12 months ¹	150,000 bonus miles when you spend $30,000 in the first 3 months—equal to $1,500 in travel credit ¹ $300 annual travel credit for bookings through Capital One Travel ²
Reward Rate
2% cash back on every purchase 5% cash cash back on hotels and rental cars booked through Capital One Travel	2X miles on every purchase, with no restrictions or blackout dates 10X miles on hotels and rental cars booked through Capital One Travel 5X miles on flights booked through Capital One Travel
Great for
First-year bonuses Annual fee refund Elevated cash rewards No preset spending limit ⁵ High-spending	Capital One & Priority Pass lounges ³ Annual travel credit ² TSA PreCheck® or Global Entry ⁴ Elevated travel rewards No preset spending limit ⁵ High-spending
Annual fee
$150 Spend $150,000 annually and we’ll refund this every year	$395 annual fee
Purchase Rate
Pay-in-full card with no preset spending limit ⁵ ⁶	Pay-in-full card with no preset spending limit ⁵ ⁶
Card details Apply now Rates and fees information Rewards terms	Card details Apply now Rates and fees information Rewards terms

Get the most out of your credit card with Capital One

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.

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REWARDS WITH ACCOUNTS PAYABLE

Earn a one-time bonus with Accounts Payable

Earn a one-time $2,000 or 200,000 miles bonus when you spend $200,000 through Accounts Payable within the first year of your Spark Cash Plus or Venture X Business account opening. ⁷

BENEFITS FOR CAPITAL ONE BUSINESS CARD HOLDERS

Automatic payments

Set up AutoPay so you don’t have to worry about signing into your account every month.

$0 fraud liability

If your card is lost or stolen, you can get an emergency replacement and a cash advance.

Year-end summaries

Get an itemized report of your spending to simplify budgeting and tax time.

Account managers

Assign an account manager to make purchases and payments, review transactions and resolve any problems.

Purchase records

Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®.

Virtual card numbers

Make safer payments online without exposing your actual card number with merchants.

No foreign transaction fees

Pay zero foreign transaction fees on purchases made outside of the United States.

Roadside assistance

Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.

Capital One travel

Get our best prices on thousands of trip options — even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.

Account access

Manage your account online or use the mobile app to get account activity alerts, see payment options, download past account statements and more.

Security alerts

Get notified via text, email and phone if Capital One notices potential suspicious transactions on your account.

Fraud & security alerts

Receive an email or text message alert if we detect a potential mistake or suspicious charge on your account.

Card lock

Lock your card or an employee’s if it has been misplaced, lost or stolen.

Extended warranty

Get free additional warranty and protection on eligible items that you purchase with your card.

Customer support

Our Capital One Business representatives are specially trained to work with business owners and are available to answer any questions you may have.

View all business benefits

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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.

Annually, eligible Venture X Business primary account holders will receive a $300 Capital One Travel credit (“Credit”) to use toward purchases made through Capital One Travel. Each annual Credit will expire on the next account open date anniversary. The Credit will be available within Capital One 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.

Enrollment required for the Partner Lounge Network. Certain terms apply. Lounge access is not guaranteed and is subject to space availability. Prices and benefits are subject to change. Learn more about lounges at: https://capitalonetravel.com/lounges

To receive a statement credit, you must use your Venture X Business or Spark 2X Miles card to either complete the Global Entry application and the TSA PreCheck® application. You are eligible for one (1) statement credit up to $120 every 4 years. The statement credit will match the Global Entry or TSA PreCheck® program application fee. Cost of application fees may change. Statement credit amount may vary if application fees change. Credit will appear within 1-2 billing cycles, and will apply to whichever program is applied for first. Your account must be open and in good standing when the credit is applied. Refer to the Application or Account Terms for additional details.

No preset spending limit does not mean unlimited spending. The amount you can spend can change over time based on your spending behavior, payment history, credit profile and other factors.

Your balance is due in full every month which means there is no APR. If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance and your account will be considered past due until we receive your payment in full.

Earn a one-time $2,000 or 200,000 miles bonus when you spend at least $200,000 through Accounts Payable within the first year of your Spark Cash Plus or Venture X Business account opening. Fees accrued from using your Capital One Business card to send a check or ACH to your vendor will not be eligible towards your bonus. Once you qualify for a bonus we will apply it to your rewards balance within three billing cycles.