The Capital One is a business credit card from Capital One. The annual fee is $0 intro for the first year, $95 thereafter. The ongoing APR is 24.74% variable (Prime plus 17.74%) (offer 41743 terms read 2026-10-13; undated). Approval typically requires a credit score of Excellent to Fair or higher. Signup bonus: $1,000 cash bonus when you spend $10,000 in the first 3 months (existing or previous Capital One business cardholders may not be eligible). Rewards: 2% cash back on all purchases; 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel; 5% cash back on Capital One Entertainment purchases; no cap; rewards do not expire for the life of the account. Cash back: 1.5% cash back on every purchase. Typical credit limit: Minimum credit line $2,000 if approved (set after review of the application and ability to pay). 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; interest on cash advances and transfers from the transaction 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 reports activity to your personal credit report. 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)..