Capital One · Cash back
Terms shown here may not reflect the issuer's current offer - always confirm details on their site before applying.
2,000 cash back after spending $30,000 in the first 3 months.
Informal issuer pattern, not an official published rule
Business charge card. Unlimited 2% cash back on every purchase with no category restrictions; the 5% rate applies only to hotels, vacation rentals, and rental cars booked directly through the Capital One Business Travel portal. Cash back never expires while the account remains open in good standing and can be redeemed as a statement credit, check, or applied to a linked account. The $150 annual fee is refunded each year you spend at least $150,000 in net purchases by your membership anniversary. A repeatable additional $2,000 bonus is available for every $500,000 spent in purchases during the first year. No preset spending limit; designed to be paid in full monthly, though a balance can be carried with interest (variable APR ~25.74% per NerdWallet, Sept 2026). Free employee and virtual cards available.