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Our promise to you.

Minority Mindset, LLC is an independent, advertising-supported publisher. We are not an investment advisor. Always do your own due diligence and never blindly listen to a random article on the internet. We do our best to provide financial education with our free videos, articles, tools, and other self-help content. But these are for informational purposes only, they’re not investment advice.

Minority Mindset does not and cannot guarantee the accuracy or applicability of any information regarding your individual circumstances. The examples we provide are hypothetical and we encourage you to get advice from a qualified professional regarding specific investment, tax, legal, and financial issues. Previous market performance does not guarantee future performance.

We want everyone to be able to make educated financial decisions. We do not feature every company or financial product available. However, we’re proud of the financial education and guidance that we provide at no charge.

We’re paid by our brand partners and advertisers. This may influence which products we mention, review, and where they appear on our site. But it does not affect our recommendations or advice.

See more from Credit Cards

The 2 Best Business Credit Cards In 2022

November 30, 2019 by Minority Mindset Team

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Minority Mindset Team November 30, 2019

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Disclaimer

We only endorse products that we truly believe in. Some of the links below may earn us some extra guac at no additional cost to you. Please pass the chips & thank you for feeding our habit.

Running a business is hectic. To help you out, we are going to break down our two favorite business credit cards for cashback – both of them from Capital One®.

  • Capital One® Spark Cash®
  • Capital One® Spark Cash Select®

These Capital One credit cards offer the best cashback options for business owners, freelancers, and people with a side hustle.

You don’t have to pay for the points game, you get high cashback rewards on everything you buy.

Yes, even if you’re a freelancer, Uber driver, or side-hustler – you can use these Capital One business cards. Take a look at the perks so you can pick the best business card for you.

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$10Sign Up
$2,500Sign Up
$5,000Sign Up

The 2 Best Business Credit Card's In 2022

It's not everyday that small business owners and entrepreneurs get help.

But, there's two cards can hopefully change that by making the finances of your business a little simpler.

Here's everything you need to know about the best business credit cards in 2022:

1. Capital One Spark Cash Select 

Capital One Spark Cash Select is the first of the two viable solutions offered to businesses by Capital One. It is a reliable credit card with 1.5% cashback and no annual fees.

If you spend less than $1,600 a month on business expenses, this is the card for you.

Unlimited 1.5% Rewards

For every dollar you spend, you will get 1.5 cents back. If you spend $1,000 a month, Capital One will pay you $15/monthly just for using their card (that’s $180/year). The best part? There’s no fee.

No categories. You earn 1.5% on everything.

You can redeem your rewards anytime. There’s no minimum requirement. And there’s no limit to how much you can earn.

What can you do with the rewards?

  • Invest it into your business
  • Take your family out to dinner
  • Get a professional portrait of your dog (we recommend the other two)

Early Spend Bonus

If you spend $3,000 in the first 90-days of getting your Capital One Spark Cash Select card, you will get an additional $200 cash bonus.

This is in addition to your 1.5% cashback.

Annual Fee

Capital One Spark Cash Select has no annual fees.

Fraud Protection

Breathe easy. You’re safe with Capital One’s zero-liability protection. If your card is stolen or lost, you are not responsible for any fraudulent purchases that are made.

Plus, you can set up alerts to warn you of suspicious activity on your account.

Other Benefits

  • You can order employee cards for free.
  • There are no foreign transaction fees.
  • You get a year-end summary for each account.
  • Download your spending records straight to an accounting program like QuickBooks.
  • Purchase security and extended protection.

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capital one spark 2% cash back

2. Capital One Spark Cash

The Capital One Spark comes with 2% cashback. And higher spenders, get rewarded with more cashback!

So if you spend (or plan to spend) more than $1,600 a month in your business, this is the card for you.

Unlimited 2% Rewards

An unprecedented 2% cashback on everything with no limit to how much you can earn!

If you spend $10,000 a month on your business card, that’s $2,400 in cashback a year.

Bigger Early Spend Bonus

The rewards are bigger than before. If you spend $5,000 on your business card in the first 90 days, you will get a $500 cash bonus. If you spend $50,000 within the first 6-months, you’ll get a $1,500 cash bonus!

That’s in addition to your 2% cashback on everything.

Annual Fee

Capital One Spark Cash card has an annual fee of $95, which is waived for the first year.

What does that mean? If you plan to spend (at least) $1,600 a month on your business next year, it pays to upgrade and get this card.

Fraud Protection

Breathe easy. You’re safe with Capital One’s zero-liability protection. If your card is stolen or lost, you are not responsible for any fraudulent purchases that are made.

Plus, you can set up alerts to warn you of suspicious activity on your account.

Other benefits

  • You can order employee cards for free.
  • There are no foreign transaction fees.
  • You get a year-end summary for each account.
  • Download your spending records straight to an accounting program like QuickBooks.
  • Purchase security and extended protection.
Check Out The Full Card Benefits Here

The Best Business Cash Back Credit Card – The Verdict

Cash back is king and Capital One rewards you for your smart business spending. With unlimited rewards, there’s no limit to how much you can earn.

If you spend less than $1,600 a month, you will get more bang for your buck by avoiding the annual fee and getting the Capital One Spark Cash Select credit card.

If you spend more than $1,600 a month, the higher cashback with the Capital One Spark Cash card will cover your annual fee and put more money in your pocket.

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$100Sign Up

Minority Mindset has partnered with CardRatings for our coverage of credit card products. Minority Mindset and CardRatings may receive a commission from card issuers.

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Written by Minority Mindset Team.

The Minority Mindset has nothing to do with the way you look, your ethnicity, or your skin color. It’s a mindset. #RethinkRich

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Advertiser Disclosure

Our promise to you.

Minority Mindset, LLC is an independent, advertising-supported publisher. We are not an investment advisor. Always do your own due diligence and never blindly listen to a random article on the internet. We do our best to provide financial education with our free videos, articles, tools, and other self-help content. But these are for informational purposes only, they’re not investment advice.

Minority Mindset does not and cannot guarantee the accuracy or applicability of any information regarding your individual circumstances. The examples we provide are hypothetical and we encourage you to get advice from a qualified professional regarding specific investment, tax, legal, and financial issues. Previous market performance does not guarantee future performance.

We want everyone to be able to make educated financial decisions. We do not feature every company or financial product available. However, we’re proud of the financial education and guidance that we provide at no charge.

We’re paid by our brand partners and advertisers. This may influence which products we mention, review, and where they appear on our site. But it does not affect our recommendations or advice.

More From Credit Cards

  • How To Improve Your Credit Score - 10 Simple Tips!
  • 5 Foolproof Ways To Get Rid Of Credit Card Debt For Good
  • How To Understand Your Credit Score
  • How To Choose A Business Credit Card In 5 Steps

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How To Improve Your Credit Score - 10 Simple Tips!

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5 Foolproof Ways To Get Rid Of Credit Card Debt For Good

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7 Ways To Use Credit Cards To Your Advantage

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How To Understand Your Credit Score

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The 2 Best Business Credit Cards In 2022

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Disclaimer: The information on this site is of a general nature only. It does not take your specific needs or circumstances into consideration. You should look at your own personal situation and requirements, and seek independent professional advice, before making any financial decisions. Our content is provided for informational purposes only, and no content that is provided or included in our products or services is intended for trading or investing purposes. We will not be liable for the accuracy, usefulness, or availability of any information transmitted and/or made available by way of our products or services, and shall not be responsible or liable for any trading and/or investment decisions made by you based on any such information. For a further understanding of this Disclaimer and use of our site, please see the information contained in our Terms of Use and Advertising Disclaimer.

Minority Mindset may earn a portion of sales from products that are purchased or recommended through our site as part of our Affiliate Partnership with retailers and brands.

Minority Mindset has partnered with CardRatings for our coverage of credit card products. Minority Mindset and CardRatings may receive a commission from card issuers.

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