Business Credit Cards

Ink Business Cash<sup>®</sup> Credit Card

Ink Business Cash^® Credit Card

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Rates & Fees

Annual Fee $0
Welcome Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

$750 cash back
Rewards Rate
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.
1% - 5% cash back
Credit Needed Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

Est. Intro Rewards
$750
Est. Monthly Rewards
$187
Est. First Year Rewards
$2,993

The Bottom Line

This is a robust cash back rewards card with a nice intro APR and $0 annual fee. Consumers looking for a great card for earning rewards or getting low interest rates for a business will be very happy with the Ink Business Cash^® Credit Card.

Our Take

The Good

This business credit card has it all. You get an awesome rewards program, a big sign up bonus, a lengthy intro APR, and $0 annual fee.

The Not So Good

Like most rewards cards, if you don't make a lot of purchases on the card, you won't get a lot of rewards.

Card Details

Click APPLY NOW to apply online.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
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 purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
0% introductory APR for 12 months on purchases
Member FDIC
Rates & Fees

Ink Business Unlimited<sup>®</sup> Credit Card

Ink Business Unlimited^® Credit Card

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Rates & Fees

Annual Fee $0
Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750 cash back
Rewards Rate
1.5% cash back
Credit Needed Good / Excellent

OFFER VALUATION

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

Est. Intro Rewards
$750
Est. Monthly Rewards
$125
Est. First Year Rewards
$2,250

The Bottom Line

This credit card has all the perks a business owner could want. A long intro APR, great rewards, and the $0 annual fee make this a great choice for anyone.

Our Take

The Good

The sign-up bonus is among the biggest we've seen for a business credit cards, and it's especially generous considering this card also comes with a $0 annual fee and a lengthy intro APR on purchases.

The Not So Good

There is a foreign transaction fee of 3% of each transaction in U.S. dollars, which means you might want to refrain from using this card overseas.

Card Details

Click APPLY NOW to apply online.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC
Rates & Fees

Ink Business Premier<sup>®</sup> Credit Card

Ink Business Premier^® Credit Card

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Rates & Fees

Annual Fee $195
Welcome Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

$1,000 cash back
Rewards Rate
Earn unlimited 2.5% total cash back on purchases of $5,000 or more

Earn unlimited 2% cash back on all other business purchases.
2% - 2.5% cash back
Credit Needed Good / Excellent

OFFER VALUATION

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

Est. Intro Rewards
$1,000
Est. Monthly Rewards
$167
Est. First Year Rewards
$3,000

The Bottom Line

The Ink Business Premier^® Credit Card is an excellent choice for businesses poised to make the most of its generous rewards and high spending limits, particularly when the cash back can offset the heft of its annual fee.

Our Take

The Good

The Ink Business Premier^® Credit Card stands out for its high credit limit and flexible cash back rewards program, which can be highly beneficial for growing businesses that have substantial operational expenses. Additionally, the card offers valuable perks such as travel benefits and purchase protection, enhancing its utility for business owners.

The Not So Good

However, the Ink Business Premier^® Credit Card comes with a relatively steep annual fee, which may not be justifiable for small businesses or those just starting out. Also, its benefits are most advantageous to businesses with high spending, potentially making it less attractive for companies with lower operational costs.

Card Details

Click APPLY NOW to apply online.
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC
Rates & Fees

Capital One Spark Cash Plus

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Rates & Fees

Annual Fee $150
Welcome Offer

$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year

$2,000 cash back
Rewards Rate
Earn 2% Cash Back on every purchase
Earn 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site
2% - 5% Cash Back
Credit Needed Excellent

OFFER VALUATION

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

Est. Intro Rewards
$2,000
Est. Monthly Rewards
$193
Est. First Year Rewards
$4,315

The Bottom Line

The Capital One Spark Cash Plus card is an easy recommend in the small business space for its incredible ongoing rewards, best-in-class welcome offers and ease-of-use.

Our Take

The Good

The Capital One Spark Cash Plus card has an outstanding suite of welcome offers and easy-to-use cash back rewards that easily cover its relatively low annual fee.

The Not So Good

Because this card focuses on flexible cash rewards, it misses out on the more powerful single-category rewards offered by some of its competitors.

Card Details

Click APPLY NOW to apply online.
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Rates & Fees

Revenued Business Card

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Annual Fee $0
Welcome Offer
N/A
Rewards Rate
None
Credit Needed Limited / Poor / Fair / Good

OFFER VALUATION

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

Est. Intro Rewards
$0
Est. Monthly Rewards
$0
Est. First Year Rewards
$0

The Bottom Line

This card is a great option for business owners who are expecting growth and need access to funding. It’s especially helpful if you have imperfect credit. Just make sure you review your repayment terms carefully and know your factor rate.

Our Take

The Good

We like that the spending limit for this business card grows as your revenue grows, and you can get your funds deposited straight into your bank account.

The Not So Good

This card does not earn rewards, and it also presents some risks since you can sell a portion of your future earnings to get funds now.

Card Details

Click APPLY NOW to apply online.
No annual fee and no draw fee
Includes flex line, similar to a line of credit and only pay for what you use
Access cash on demand with funds deposited straight into your bank account
Fast and easy application process - apply online and receive a funding decision in as little as an hour
Approvals based on your business revenue and not personal credit
As your revenue increases, spending limits also increase
Access to business credit tools - Revenued reports to D&B to help build your business credit
Rated Excellent on Trustpilot with 800+ reviews
Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships

Capital One Spark Cash Select

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Rates & Fees

Annual Fee $0
Welcome Offer

$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening

$500 Cash Back
Rewards Rate
Earn 1.5% Cash Back on every purchase
Earn 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site
1.5% - 5% Cash Back
Credit Needed Excellent

OFFER VALUATION

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

Est. Intro Rewards
$750
Est. Monthly Rewards
$156
Est. First Year Rewards
$2,618

The Bottom Line

The rewards program for the Capital One Spark Cash Select Card is user-friendly so you don’t have to worry about limitations on how many dollars in cash back you can earn. There are also some nice features for those running a business, like tools to set spending limits on additional cards and helpful expense reports.

Our Take

The Good

The card comes with no annual fee and you earn cash back on all purchases, all the time. and come with the option of automatic redemption.

The Not So Good

The card is designed for those who want cash back rewards, so if that’s not your priority then you might want to choose a different card.

Card Details

Click APPLY NOW to apply online.
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
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
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 for unauthorized charges
For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Rates & Fees

Capital One Spark Miles for Business

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Rates & Fees

Annual Fee $0 intro for first year; $95 after that
Welcome Offer

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.

50,000 miles
Rewards Rate
Earn 2 Miles per dollar on every purchase, everywhere

Earn 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
2X - 5X Miles
Credit Needed Good / Excellent

OFFER VALUATION

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

Est. Intro Rewards
$600
Est. Monthly Rewards
$193
Est. First Year Rewards
$2,915

The Bottom Line

With a solid mile-earnings program, the Capital One Spark Miles for Business is a great card for business travelers and their employees. Plus the annual fee is $0 intro for first year; $95 after that.

Our Take

The Good

Customers earn 2 miles per $1 on every purchase, everywhere; 5 miles per dollar on hotels, vacation rentals and rental cars booked through capital one's travel booking site. You can 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.

The Not So Good

Based on our research, you'll need excellent-good credit. There is also an annual fee of $0 intro for first year; $95 after that.

Card Details

Click APPLY NOW to apply online.
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
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck^®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Rates & Fees

Capital One Spark Cash

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Rates & Fees

Annual Fee $0 intro for first year; $95 after that
Welcome Offer

Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening

$1,000 cash back
Rewards Rate
Earn 2% Cash Back on every purchase

Earn 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site
2% - 5% cash back
Credit Needed Excellent

OFFER VALUATION

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

Est. Intro Rewards
$750
Est. Monthly Rewards
$167
Est. First Year Rewards
$2,750

The Bottom Line

Capital One Spark Cash Card is perfect for businesses looking to make high-end purchases they intend to pay off each month, while earning rewards for those purchases.

Our Take

The Good

Earning 2% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one's travel booking site is a great rewards program. On top of that, there's an annual fee of $0 intro for first year; $95 after that. Plus, rewards can be redeemed at any time, for any amount.

The Not So Good

Users pay an annual fee of $0 intro for first year; $95 after that.

Card Details

Click APPLY NOW to apply online.
Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
$0 annual fee for the first year; $95 after that
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
For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Rates & Fees

Capital One Venture X Business

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Rates & Fees

Annual Fee $395
Welcome Offer

150,000 Miles once you spend $30,000 in the first 3 months from account opening

150,000 miles
Rewards Rate
Earn 2X Miles on every purchase

Earn 5X Miles on flights and vacation rentals booked through Capital One's travel booking site

Earn 10X Miles per dollar on hotels and rental cars booked through Capital One's travel booking site
2X - 10X Miles
Credit Needed Excellent

OFFER VALUATION

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

Est. Intro Rewards
$1,500
Est. Monthly Rewards
$280
Est. First Year Rewards
$4,860

The Bottom Line

This is a powerful rewards card for anyone who travels frequently for business.

Our Take

The Good

The travel perks on this card are hard to beat: access to 1,300+ lounges worldwide, up to a $120 credit for TSA PreCheck or Global Entry, an annual $300 credit for bookings through the Capital One Travel portal, 10,000 miles after your account anniversary date, and more.

The Not So Good

The steep annual fee might be a turn-off for some. Also, while the rewards rate is impressive, you have to book travel in the Capital One Travel portal to get the highest rate on travel purchases.

Card Details

Click APPLY NOW to apply online.
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One's travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One's travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck^®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass^™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Rates & Fees

Sapphire Reserve for Business℠

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