Capital One Business Credit Card Reviews 2019



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Capital One offers six business credit cards, which include cash back, travel, no-interest, secured, and fair credit business credit card options. They typically carry low annual fees compared to competitors and offer average at best ongoing annual percentage rates (APRs). Capital One business cards are best for business owners looking to earn rewards while paying low annual fees.

Business owners may be interested in a Capital One business credit card as they’re some of the best small business credit cards on the market. We specifically recommend Capital One business cards for the rewards you can earn on all spending. If you’d like to compare Capital One to other small business credit cards, visit our credit card marketplace.

Capital One Business Cards at a Glance

Capital One business credit cards offer excellent unlimited rewards, the opportunity to build your personal and business credit, introductory no-interest periods, and financing if you have poor credit. In the list below, we cover what each card offers, who they’re best for, and any additional features that increase the card’s value.

 

We recommend the Capital One® Spark® Cash as the best cash back business credit card. This Capital One business credit card is best for business owners who want unlimited cash back on every business-related purchase while paying a low annual fee. These rewards can act as a “discount,” and you can save on every purchase.

Additionally, you will also have access to Visa® Business Benefits after opening your account with Capital One. These additional Capital One business card features and benefits include emergency card replacement, auto rental damage waiver, purchase security, extended protection, and more. You can explore this card in more detail through our in-depth Capital One® Spark® Cash review.

The Capital One® Spark® Cash Select is a no-annual-fee business credit card with unlimited cash back on business-related purchases. It’s best for business owners with low annual credit card expenditures and who need to carry a balance. If you spend more than $19,000, the Capital One® Spark® Cash would be a better option. This is the threshold at which you’ll benefit more with the Capital One® Spark® Cash.

With the Capital One® Spark® Cash Select, you will unlock all of the free Visa® Business Benefits. These Capital One business credit card perks include employee extended warranty protection, auto rental collision damage waiver, travel and emergency assistance, purchase security, and more. You can review these features and the card’s value in depth through our Capital One® Spark® Cash Select review.

We recommend the Capital One® Spark® Classic as the best overall business credit card for fair credit. It’s best for business owners who want to build both their personal and business credit and take advantage of ongoing fixed cash back rewards. Plus, it charges no monthly or annual fees, which sets it apart from other fair credit business credit cards.

Similar to the other cards on our list, you can also receive free Visa® Business Benefits with this Capital One business credit card. You will tap into free additional features, such as extended warranty protection, purchase protection, auto collision waiver, travel assistance, and more. If you’d like to review this card in more depth, you can do so through our Capital One® Spark® Classic review.

The Capital One® Spark® Miles is best for business owners who want to earn unlimited fixed-rate travel rewards on all business-related expenses. You can redeem your rewards for travel through Capital One or transfer your points to another frequent flyer program. This travel rewards business credit card carries an ongoing APR that is only average at best.

The Visa® Business Benefits offered on this Capital One business credit card are identical to the Capital One® Spark® Cash. They’re essentially the same card. However, they offer different rewards ― cash back vs points. With this card, you will have extended warranty protection, purchase protection, auto collision damage waiver, and more. If you’re looking for a travel rewards card, our Capital One® Spark® Miles review can help you learn more about what this card offers.

The Capital One® Spark® Miles Select is a travel rewards business credit card that carries no annual fee and offers fixed-rate travel rewards on every purchase. This Capital One business credit card is best for business owners who are seeking travel rewards and those who need to carry a balance as it offers no interest for an extended period of time.

Much like other Capital One® Spark® credit cards, the Capital One® Spark® Miles Select offers a handful of free Visa® Business Benefits. These additional card features and perks can increase the card’s value. For example, you will have access to extended warranty protection, purchase protection, auto damage collision waiver, and more. We review these features in detail in our in-depth Capital One® Spark® Miles Select review

Capital One® Secured Mastercard®

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide
INTRO APR REGULAR APR ANNUAL FEE CREDIT NEEDED
N/A 26.99% Variable None N/A

The Capital One® Secured Mastercard® is a personal card that business owners with poor or limited credit can use to access a credit limit greater than their security deposit. In comparison, most secured business credit cards only provide credit limits that are equal to, or slightly less than, your security deposit. This Capital One credit card is an excellent option for building your credit.

With this Capital One credit card, you will be protected by a handful of additional card features and travel perks. For instance, this card comes with 24-hour travel assistance services, auto rental collision damage waiver, travel accident insurance, extended warranty, and roadside assistance. These features vary when compared to the other Capital One business credit cards on our list, such as the Capital One® Spark® Cash and Capital One® Spark® Miles.

What Capital One Business Credit Cards Are Missing

Capital One business credit cards don’t offer the best additional card features among small business credit cards. While they do offer Visa® Business Benefits, there are other card providers that offer more additional card perks tailored to business owners who travel often. If you want a business credit card that offers more valuable additional card features, consider American Express.

Capital One Business Credit Card Reviews From Users

Most online Capital One business card reviews from users suggest that Capital One is a good credit card issuer. It offers a variety of card categories for business owners looking to earn unlimited rewards and access financing. However, there are some negative reviews about the additional card features falling short of some other credit card providers. If you want more card perks, an American Express business credit card would be a good option.

Choosing the Right Capital One Business Credit Card

With Capital One, you can earn excellent rewards on just about all of your spending through their cash back and travel rewards cards. You can also have access to no interest financing and business credit cards for fair credit. The best Capital One business card for you is likely determined by your specific business situation, such as the rewards you want to earn or if you need to finance a large purchase.

The types of Capital One business credit cards that are available to business owners are:

  • Cash back rewards credit cards: Business owners can earn cash back rewards on their business-related purchases. Most cash back credit cards offer rewards between 1% to 2%. We reviewed business credit cards across the industry and believe Capital One has the best cash back business credit card, offering fixed cash back on all spending.
  • Travel rewards credit cards: Business travel credit cards are best for business owners who want to earn rewards for their airfare, hotel, or rental car expenses. Capital One offers a business travel credit card that is an excellent choice for earning fixed-rate rewards on all spending.
  • No-interest credit cards: The best no-interest credit cards offer long introductory 0% APR periods on purchases and balance transfers. No-interest credit cards are best for business owners who need to carry a balance or fund a large purchase. Capital One offers two business credit cards with an introductory 0% APR period.
  • Credit cards for fair credit: There are a number of fair credit business credit cards available to business owners who have personal credit scores between 580 to 669. We believe the Capital One® Spark® Classic is the best fair credit business credit card.
  • Secured credit cards: A secured business credit card is a revolving line of credit for business owners who have personal credit scores below 579. The credit limit on a is usually equal to the cash deposit held in a collateral account. The Capital One® Secured Mastercard® is best for businesses seeking credit limits above their security deposit.

When considering which card is best for your business, it’s important to identify the spending categories where you spend the most each month. Plus, you should also consider your business spending goals. Overall, Capital One has a variety of excellent card options for business owners who are seeking rewards for their business-related purchases.

Alternatives to Capital One Business Cards

If you want access to more robust card features or substantial introductory and ongoing rewards, you may want to consider an alternative. It’s important to note that sometimes one card issuer won’t check all the boxes for your business. With that being said, a good alternative would be American Express. There are several American Express business credit cards that offer unrivaled card features, long 0% APR periods, and maximum ongoing cash back and travel rewards.

Bottom Line

Capital One offers a handful of business credit cards, including cash back, travel, no-interest, secured, and fair credit business credit cards. It carries various annual fees, introductory and ongoing APRs, and rewards. The best Capital One business card for you depends on your business situation, such as what rewards you want to earn or if you need to finance a large purchase.

Sometimes, one credit card issuer doesn’t have all your wants and needs in its business credit cards. If that’s the case with Capital One, consider another card provider that fits your business situation. You shop and compare the best business credit cards on the market through our credit card marketplace to help find a card that best suits your business.

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