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Capital One® Spark® Cash for Business

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Our rating
Min. credit level: Good
Annual Fee: $0 intro for first year; $95 after that
Regular APR: 18.74% Variable

Capital One® Spark® Cash for Business

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

Highlights & Features

Rewards

  • 2% cash back rewards for every purchase

INTRODUCTORY BONUS

$500 cash bonus for spending $5,000 in the first 3 months; $1,500 cash bonus for spending $50,000 in the first 6 months

Balance Transfers

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

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 18.74% Variable
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 31.15% 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 credit 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 24.74% 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

  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $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

Capital One 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.