Capital One® Spark® Cash for Business


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 other factors that affect your creditworthiness.

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.

Card Quick Facts

Card Quick Facts

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 2% cash back rewards for every purchase

Introductory Bonus

  • $500 cash bonus for spending $4,500 in the first 3 months
Card Stats

Card Stats

Annual Fee $95 (waived the first year)
Additional Cards Annual Fee -
Regular Purchase APR 19.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 31.65% Variable
Late Fee Up to $39
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 19.24% Variable
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 25.24% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Reports to Business Credit Bureaus

    Capital One business cards report your card activity to Dun & Bradstreet, Experian, and Small Business Financial Exchange.

  • 24/7 Concierge Service

    Call for non-emergency help with a variety of tasks, like making travel arrangements and finding hard-to-find gifts.

  • Visa® SavingsEdge

    Save up to 15% at www.visasavingsedge.com.

  • Visa Signature Luxury Hotel Collection

    Get discounts and benefits at over 900 hotel properties.

  • Fine Wine & Food

    Special dining events and wine tasting at Sonoma County wineries.

  • Sports Experiences

    Access to popular sporting events and premiere golf benefits at Pebble Beach Resorts®.

  • Shopping Discounts

    Discounts and special offers at premium retailers, from jewelry to apparel and electronics.

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile App

    Manage your account from your phone.

  • Financial Tools & Tips

    Educate yourself on credit with Capital One resources.

  • Quarterly and Year-End Summary

    Get itemized spending reports to help simplify accounting and taxes.

  • Downloadable Purchase Records

    Easily download your records in a variety of formats, including QuickBooks™ and Excel®.

  • Free Employee Cards

    And earn rewards when your employees spend with their cards.

  • Spark Business Customer Service Representatives

    Speak with specially trained reps whenever you’d like for help with any questions you have.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Purchase Protection

    Provides coverage against lost or stolen items within 90 days from the date of purchase.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty at no charge.

  • Price Protection

    If you find an item you purchased at a lower price price, you can be reimbursed the difference.

  • Travel and Emergency Assistance

    Provides help with travel emergencies, including emergency card replacement or cash advances.

  • Travel Accident Insurance

    Covers you and your family in the case of physical accidents.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Lost Luggage Reimbursement

    If checked or carry-on bags are lost or damaged, provides reimbursement up to $3,000 per passenger.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by bob
Cap One is the worst

They report monthly to you personal credit, good or bad.personal credit score currently 790. Business credit score 800, in business 15 years,Had a business card with a 30K limit for two years, charged business expenses and purchases monthly, paid bill in full each month, never had any problems, then without notice the card was cancelled. No explanation. No-one to get an answer from. Nothing. I am left wondering if I earned too many rewards and never paid any interest because the bill was always paid in full. So in theory. . . the rewards cost them money ? ! after much deliberation, I decided to sever all ties with Cap One and closed money markets, savings and checking accounts, investment accounts. I had financed vehicles with them in the past, and had had other cap one personal cards over the years. But never again.

by John Russo
Working card good rewards / not good for credit

card works like a regular credit card, rewards are good love the cash back.But..... this card reports all balances day one to your personal credit. It hurt my personal credit score because my business carried a few thousand fallout balance for a while. Most business credit cards only report if delinquent this card reports even when it good standing. Not fair to the consumer. Will not us card anymore it will carry zero balance. Go with chase ink or m&t new credit card they are great!

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