Guide to Capital One Business cash back credit cards

If you’re a business owner looking to earn rewards for your spending, Capital One offers a range of cash back business credit cards to fit your needs. 

Whether you’re covering office supplies, travel expenses or client dinners, earning cash back can help put money back into your business. And with options for unlimited rewards, no annual fees and credit-building opportunities, there’s a card for every business. 

Keep reading to learn more about cash back cards from Capital One Business.

Spark Cash Plus is a no preset spending limit (NPSL) card offering big purchasing power that adjusts based on factors like spending behavior, payment history and credit profile—unlike a credit card with a fixed limit.

With Spark Cash Plus, business owners can enjoy:

• Unlimited 2% cash back on every purchase, with no limits or restrictions
• Unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel 
• A welcome bonus when you spend a certain amount within the first few months of opening your account
• A refundable $150 annual fee as long as you spend $150,000 or more

Spark Cash is ideal for business owners who want simple, predictable rewards with a traditional credit line. And with no introductory annual fee for the first year ($95 after that), business owners can maximize their rewards without an upfront cost. 

With this card, business owners can earn:

• Unlimited 2% cash back on every purchase, with no limits or restrictions
• Unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
• A welcome bonus when you spend a certain amount within the first few months of opening your account

Spark Cash Select is great for businesses wanting to earn straightforward cash back rewards with no extra costs. With a $0 annual fee, Spark Cash Select empowers business owners to maximize every dollar spent while keeping their expenses low.

You can also enjoy:

• Unlimited 1.5% cash back on every purchase, with no limits or restrictions
• Unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
• A welcome bonus when you spend a certain amount within the first few months of opening your account

For new business owners, Spark Classic is a great choice for managing everyday business expenses while helping build business credit scores. 

This card offers cardholders benefits such as:

• Unlimited 1% cash back on every purchase, with no limits or restrictions
• Unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
• No annual fee

Capital One Business cash back business cards are a practical choice for business owners who want more than rewards. The cards also offer benefits, like powerful tools to streamline spending and efficiently manage expenses.

Beyond earning cash back, the cards come with valuable extras, including:

Business owners can issue employee cards at no additional cost, allowing employees to make purchases on behalf of the company. Employee cards can make it easier for your team to cover business expenses without needing to wait for reimbursement. Plus, with employee cards you can: 

• Set customized spending limits for efficient expense tracking
• Earn rewards on every purchase
• Manage users from anywhere, on a laptop, tablet or mobile device
• Protect your account with the ability to lock and unlock employee cards and report fraudulent purchases

Capital One Business cardholders enjoy enhanced security features designed to protect their business, such as: 

• $0 fraud liability for unauthorized charges 
• Real-time security alerts 
• Virtual card numbers for safer online transactions
• 24/7 monitoring with Eno, your Capital One Assistant
• Extended warranty and protection for eligible items purchased with your Capital One cash back business card

Capital One Business Travel is a travel management platform that allows business cardholders to organize and streamline travel bookings, all in one place. Simply log in to your Capital One Business account to:

• Customize travel policies by setting maximum prices and fare classes
• Designate admins to manage bookings within your account
• Track employee travel plans and expenses 
• Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel

Capital One cash back business cards offer additional benefits that can help you travel smarter. You can enjoy features like:

• No foreign transaction fees on purchases made outside of the U.S.
• Free roadside assistance for auto emergencies like towing, jump starts, flat tires and fuel delivery
• The option to transfer miles to more than 15 travel loyalty partners

Choose a cash back card with a traditional credit line or NPSL—it all depends on your business needs. Capital One Spark Cash, Spark Cash Select and Spark Classic offer a fixed credit limit to help you manage cash flow and streamline budgeting for your business. You have the option to make minimum monthly payments—plus applicable interest charges—or pay your balance in full. 

If your company has higher revenue and needs more purchasing power, Spark Cash Plus is an NPSL card designed to be paid in full every month. However, you do have the option to carry a portion of your balance over with interest if needed.

With Accounts Payable from Capital One Business, you can easily manage your accounts payable process directly from your Capital One Business account. With Accounts Payable, you can: 

• Earn rewards when you use your Capital One Business card to pay vendor bills 
• Enjoy flexible payment options, paying vendors the way they prefer
• Stay protected against fraud with built-in fraud detection for every payment
• Connect your QuickBooks® Online account to sync bill pay and accounting software

You can create virtual cards tied to your Capital One Business cash back card to make more secure vendor payments while simplifying your expenses—and protecting your physical card number. Virtual cards create a unique 16-digit card number, expiration date and security code for each purchase and offer several advantages to your business, including:

• Enhanced security features for improved fraud protection in the event of a vendor data breach
• Control over vendor payments by assigning cards to specific vendors with custom limits
• Management of employee spending by setting spending limits for each employee
• Simplified budget management with recurring or new vendors

If you’re a Capital One Spark Cash Plus or Spark Cash cardholder, you can access the free Expense Management feature to help streamline your business expenses. With Expense Management from Capital One Business, you can: 

• Report and submit expense details more efficiently
• Send expense reports automatically
• Track expenses from one account dashboard
• Sync to your accounting software

To decide which Capital One cash back business card is right for you, consider factors like your business’s spending habits, financial goals and credit profile.

• Spending habits: If your business has high monthly expenses, a card like Spark Cash Plus with unlimited 2% cash back and big purchasing power may be ideal. If you prefer a traditional credit card with a set limit, Spark Cash or Spark Cash Select may be a better fit.
• Annual fees: Some cards, like Spark Cash Plus, have an annual fee. But they offer higher rewards and fee refunds if you meet certain spending thresholds. Cards like Spark Cash Select have no annual fee, but they may offer slightly lower rewards. Consider whether the rewards and benefits outweigh the annual fee, and determine which structure best aligns with your business’s spending patterns.
• Credit score: If you have strong credit, you may qualify for the best cash back cards with top rewards. If your credit is fair and you’re looking to build your credit profile, options like the Spark Classic may be a better fit right now.
• Business size: Larger businesses with high annual revenue and expenses may benefit from a charge card with more purchasing power, like Spark Cash Plus. Smaller businesses might prefer a traditional credit card with a fixed limit, like the Spark Cash, Spark Cash Select or Spark Classic cards.

Understanding the differences between each card offering can help you choose which one aligns with your business’s cash flow and financial needs. The right card can also help you maximize your rewards, ensuring you get the most value from your everyday spending.

Capital One Business offers a suite of cash back business cards designed to fit different spending habits and needs. Whether you’re looking to maximize rewards or enjoy premium benefits, there’s a card for you.

Ready to find the best card for your business? Compare Capital One Business cash back business cards and, before you apply, see what you’re pre-approved for—with no impact on your personal credit score.