The Capital One is a charge card from Capital One. The annual fee is $150. The ongoing APR is Pay Over Time Purchase APR 25.99% variable (Prime + 18.99%) on balances carried under the Pay Over Time option; Pay in Full balance must be paid each month (offer 41737 terms, undated; read 2026-10-13). Approval typically requires a credit score of Excellent or higher. Signup bonus: $2,000 cash bonus when you spend $30,000 in the first 3 months, plus an additional $2,000 cash bonus for every $500,000 spent in the first year (can be earned multiple times). Rewards: Unlimited 2% cash back on every purchase, no limits or category restrictions; unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Business Travel. Cash back: 2% unlimited. Typical credit limit: No preset spending limit (purchasing power adapts to spending, payment history and credit profile; separate Pay Over Time Limit set after review). Loan terms: Charge card designed to be paid in full; Pay Over Time lets you carry part of the balance (up to the Pay Over Time Limit) with interest; due date at least 25 days after cycle close; minimum payment greater of $15 or 10% of the Pay Over Time balance, plus 100% of purchases above the limit, new cash advances, interest and fees. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Highest flat-rate cashback for high spenders. No preset spending limit. Reports to business credit bureaus. Must pay in full monthly.