Capital One® Spark® Cash for Business

The Capital One® Spark® Cash for Business is a good card for businesses looking to maximize rewards. It earns users an unlimited 2% cash back on all purchases. And though there is an annual fee, unlike many business cards, this card does not limit the amount of cash back you can earn and your cash rewards never expire.

This card has been named one our picks for The Best Credit and Charge Cards for Small Businesses and Startups for 2016.

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  • Rewards
    • Earn 2% cash back rewards for every $1 spent on all purchases
    • There is no limit to the amount of rewards you can earn
  • Signup Bonus Spend $4,500 in the first 3 months and get a $500 cash bonus
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 17.24% *Variable
  • Cash Advance APR 23.24% *Variable
  • Penalty APR 29.65% *Variable
  • Late Fee Up to $39
  • Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • 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

  • Visa Signature Luxury Hotel Collection

    Get discounts and benefits at over 900 hotel properties.

  • Movie Discounts

    Get discounts at

  • 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.


  • 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.

Account Management

  • 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.


  • 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

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