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Capital One Spark Cash for Business

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The Spark Cash gives business owners a straightforward way to earn easy cash back. You’ll earn decent rewards on all your spending, no matter what expenses you have from month to month, and get some helpful business perks.

Our rating
Min. credit level: Excellent
Annual Fee: $0 intro for first year; $95 after that
Regular APR: 20.99% (Variable)

Capital One Spark Cash for Business

Our rating
Excellent Min. credit level
$0 intro for first year; $95 after that Annual Fee
Apply Now Read Our Review

Highlights & Features

Rewards

Spending Rewards
  • 2% cash back for every purchase
Introductory Bonus
  • $500 cash bonus for spending $4,500 in the first 3 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 20.99% (Variable)
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 30.90% (Variable)
Late Fee Up to $39
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.49% (Variable)
Cash Advance Fee 3% of the amount of the cash advance, but not less than $10
How to Get a Cash Advance with a Credit Card
Capital One Spark Cash for Business

Highlights

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
ABOUT THE ISSUER

Capital One Business

Capital One Business has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-227-4825 or

Try a different phone number
See all Issuer Cards

The Capital One Spark Cash for Business is a good card for businesses looking to maximize rewards.

Capital One designed this card for people with excellent credit, but if your scores fall in the “good” range you probably have a decent chance of being approved, depending on your credit history and other factors.

It earns users an unlimited 2% cash back on all purchases. And though there is an annual fee ($95, waived the first year), unlike many business cards, this card does not limit the amount of cash back you can earn and your cash rewards never expire.

Insider tip

Like most business cards, the Spark Cash will report positive activity to certain business credit bureaus, and negative activity to the consumer credit bureaus.

However, different rules apply if you opened this card on or before 10/19/20; in that case, both positive and negative account activity will be reported to both the business and consumer credit bureaus. This means your card spending can affect your credit utilization, which can negatively affect your credit scores. This rule also applies to most other Capital One business credit cards.

The information related to Capital One Spark Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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