No link on RateHerald pays us today. When some do, they'll say so, and they'll never change a ranking. How we make money

Capital OneChecked Oct 4, 2026

CLUB Business Credit Card

75 CLUB Points after you spend $1,000 in 2 months. No annual fee.

Welcome offer
Annual fee
Foreign transaction fee

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$180$180
Typical spender$450$450
Heavy spender$990$990
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Assumed: points valued at an assumed 1¢.

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

How it compares

  • No annual fee, like about 85% of the 626 cards we track.
  • Worth more to a typical spender than about 85% of the 650 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Welcome offer

75 Points

After you spend $1,000 on purchases in your first 2 months.

The bonus will be awarded within 60 days after qualification.

Spending it takes$500 a monthfor 2 months
Tracking sinceSep 29, 2026history will chart every change

How you earn · CLUB Points

  • 5%Bass Pro Shops and Cabela’s purchases
  • 1.5%Everything else

Rates and fees

Rates and fees for the CLUB Business Credit Card, each with its source
Annual fee
Foreign transactions

Carrying a balance? See how long it takes to pay off

Benefits

  • Exclusive CLUB perks, including in-store events, extra point offerings, CLUB Member-only discounts, and giveaways.
  • Free authorized employee cards with employee spending monitoring, spending limits, and card lock or unlock controls.
  • Account manager access to make purchases and payments, review transactions, and resolve potential issues.
  • Year-end transaction summaries and other reporting for business spending.
  • Price Match at Bass Pro Shops and Cabela’s: the price is matched and beaten by 5% for CLUB Members.
  • No foreign transaction fees.
  • Capital One Mobile app account management, card lock, autopay, and payment flexibility.

Questions

What is the annual fee?
$0 capitalone.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. capitalone.com, since Sep 30, 2026
Is there a welcome bonus?
75 CLUB Points after $1,000 in purchases in 2 months. capitalone.com, since Sep 29, 2026
What credit do you need?
Good-Excellent capitalone.com, since Sep 29, 2026

Other cash back cards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).