Our illustration in the card’s colours, not its design
Capital One credit card
CLUB Business Credit Card
No annual fee. 75 CLUB Points after you spend $1,000 in 2 months. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · capitalone.com
“Earn $75 in CLUB Points when you spend $1,000 on your Bass Pro Shops & Cabela's CLUB Business card within 60 days of account approval.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$0 $3,000”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Good-Excellent
Select an underlined figure to see where it comes from.
Capital One’s terms
Welcome offer
75 Points
After you spend $1,000 on purchases in your first 2 months.
- Spending it takes
- $500 a month
- for 2 months
- Tracking since
- Sep 29, 2026
- history will chart every change
The bonus will be awarded within 60 days after qualification.
In dollars
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.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; rewards spendable only with CLUB Points: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; rewards spendable only with CLUB Points: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢; rewards spendable only with CLUB Points: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢; rewards spendable only with CLUB Points: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$610 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$600 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$600 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
CLUB Points
How you earn
- 5%
- Bass Pro Shops and Cabela’s purchases
- 1.5%
- Everything else
Cash back, as a share of each purchase. “What it’s worth” values a point at an assumed 1¢.
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.
All 7 benefits
- No foreign transaction fees.
- Capital One Mobile app account management, card lock, autopay, and payment flexibility.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “$0 $3,000” |
|---|---|
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Good-Excellent (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
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