Any business owner knows that accounting can be one of the most time consuming and unpleasant tasks that running a business involves. There seems to be no end to the receipts and invoices that need to be collected and then painstakingly entered into your accounting system. This is where using the right business credit card can help save you a lot of time and nerves.

If being able to quickly download your purchase records and use them in Excel®, Quicken® or QuickBooksTM rings your bell, you should consider using one of the Capital One® Spark® family of business credit cards. All Spark® cards give you the option of regularly downloading your purchase records into multiple formats, saving you the extra work of manually entering business expense data. You also get custom, itemized reports of your quarterly and annual spending to help you keep track of business expenses and save you accounting and tax season hassles.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business

Capital One® Spark® Cash for Business

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • 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

N/A

19.24% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2% cash back for your business on every purchase, everywhere.
Excellent, Good
Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business

Capital One® Spark® Miles for Business

  • 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 2 miles per $1 on every purchase, everywhere
  • 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
  • Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees

N/A

19.24% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn 2 miles per $1 on every purchase.
Excellent, Good
Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business

Capital One® Spark® Cash Select for Business

  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

0% on purchases for 9 months

15.24% - 23.24% (Variable)

$0

Why we like it
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business.
Excellent, Good
Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business

Capital One® Spark® Miles Select for Business

  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Earn 1.5 miles per $1 on every purchase
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

0% intro on purchases for 9 months

15.24% - 23.24% (Variable)

$0

Why we like it
  • Earn 1.5 miles per $1 on every purchase.
Excellent, Good
Capital One<sup>®</sup> Spark<sup>®</sup> Classic for Business

Capital One® Spark® Classic for Business

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

25.24% (Variable)

$0

Why we like it
  • Earn 1% cash back on every purchase.
Average, Fair, Limited