The Capital One is a business credit card from Capital One. The annual fee is $95 annual fee. The ongoing APR is 24.74% variable APR (Prime plus 17.74%) (offer 41720 terms read 2026-10-13; undated). Approval typically requires a credit score of Excellent or higher. Signup bonus: 100,000 bonus miles when you spend $10,000 in the first 3 months (existing or previous accountholders may not be eligible). Rewards: 2 miles per dollar on all purchases; 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel; 5 miles per dollar on Capital One Entertainment purchases; no cap; miles do not expire for the life of the account. Typical credit limit: Minimum credit line $2,000 if approved (set after review of the application and ability to pay); no maximum published. Loan terms: Revolving business credit card; due date at least 25 days after each billing cycle closes; no interest on new purchases if the previous balance is paid in full by the due date; minimum payment the greater of $15 or 1% of the balance plus new interest and late fees (full balance if under $15). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Application rules: Capital One enforces a 2-card limit (you cannot have more than 2 Capital One personal cards open at any time) and a 6-month rule (you can only be approved for one new Capital One card every 6 months). Capital One pulls from ALL THREE bureaus on every application (triple pull)..