Calculator: 4 Best Capital One Business Credit Cards 2021

Capital One business credit cards offer simple rewards that can shave off expenses. Get our top picks for best cards and calculate rewards based on spend.

The Point Calculator's top picks for the 4 best Capital One business credit cards are:

  • Capital One Spark Miles for Business
  • Capital One Spark Miles Select for Business
  • Capital One Spark Cash for Business
  • Capital One Spark Cash Select for Business

Capital One Spark Miles for Business

The Capital One Spark Miles for Business is a great business option if you're looking to earn rewards towards travel. The card earns an unlimited 2 Spark Miles per $1 spent on all purchases with each mile being worth 1 cent when redeemed towards travel. Miles earned with the card can also be transferred to Capital One's airline and hotel partners which includes JetBlue Airways, Singapore Airlines, and Wyndham Hotels to name a few. The Capital One Spark Miles for business has no annual fee the first year, but will cost you $95 per year the second year onward. The card also comes with up to a $100 statement credit towards a Global Entry or TSA PreCheck application which is great if you to speed through security when traveling.

Capital One Spark Miles for Business
Rewards Rates
  • Earn unlimited 2X miles per $1 spent for your business on every purchase, everywhere, no limits or category restrictions
Intro Bonus
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
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Redeem 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
  • Transfer your miles to 10+ leading travel loyalty programs
  • Free employee cards, which also earn unlimited 2X miles on all purchases

Capital One Spark Miles Select for Business

If you're looking for a great no-annual fee business credit card, the Capital One Spark Miles Select for Business might be up your alley. It earns an unlimited 1.5 Spark Miles per $1 spent on all purchases with each mile being worth 1 cent when redeemed towards travel or you can transfer miles to Capital One's airline and hotel partners for the chance to get even more value. This card is the better option over the Spark Miles for Business card if you plan on spending less than $2,000 per month and value Spark Miles at 1 cents per mile.

Capital One Spark Miles Select for Business
Rewards Rates
  • Earn unlimited 1.5X miles per $1 spent for your business on every purchase, everywhere, no limits or category restrictions
Intro Bonus
Earn 20,000 miles when you spend $3,000 in the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights

Capital One Spark Cash for Business

The Capital One Spark Cash for Business is a cash back credit card that earns an unlimited 2% cash back on all purchases. Cash back earned with the card can be redeemed towards just about anything since you'll be able to apply it to purchases made to the card. That means it offers a lot more flexibility than the Spark Miles cards and will easily be the better option if you want don't plan on dealing with transferring miles to try to maximize value. The card has no annual fee the first year and offers up to a $100 statement towards a Global Entry or TSA PreCheck application.

Capital One Spark Cash for Business
Rewards Rate
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Purchase above your credit limit with no hassle and no over-limit fees
  • Free employee cards, which also earn unlimited 2% 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

Capital One Spark Cash Select for Business

The Capital One Spark Cash Select for Business is a no-annual fee cash back credit card that earns an unlimited 1.5% cash back on all purchases. It becomes the better option over the Spark Cash for Business if your business only plans on running less than $2,000 per month across these cards.

Capital One Spark Cash Select for Business
Rewards Rate
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
  • Free employee cards, which also earn unlimited 1.5% 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 annual fee and no foreign transaction fees

Spark Cash versus Spark Miles

I would only recommend choosing a Spark Miles credit card if you plan on transferring your earned rewards to Capital One's airline and hotel partners. That's really the only big plus to the Spark Miles program over the Spark Cash program. If you want the ultimate in flexibility to use your rewards for just about anything which includes redeeming your rewards against purchases made against the card, the Spark Cash credit cards will be the better option for your business.

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of Capital One business credit cards. Personal credit cards and business credit cards from other banks will not appear in the results. If you want to see how much your business spend can earn you across all top-rated business credit cards, check out the calculator on our list of Best Business Credit Cards of 2021.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Loading Categories...
Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
Loading...

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-29 By Robert Flowers III

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US🇨🇦 CA🇬🇧 UK🇦🇺 AU