Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Ben Luthi, InvestopediaIf your business consistently charges more than about $5,000 a year to credit cards, the Capital One Spark Cash’s rewards program allows you, steadily and with simplicity, to rack up enough in cash back rewards to justify its $95 annual fee.
- Rebecca Lake, MyBankTrackerThe is suited to business owners who want to earn a flat rate of cash back rewards and don't mind paying an annual fee. This card could work well for you if you primarily charge everyday business expenses versus travel. You'd likely want to explore other card options if you'd prefer to earn points o...
- Ben, One Mile at a TimeArguably the most lucrative cash back business credit card out there. Unlimited 2% cash back is pretty tough to beat, especially if you don’t want to learn the ins-and-outs of redeeming miles.
- Katie Genter, The Points GuyThere are business credit cards on the market that will earn a greater return than the Capital One Spark Cash for Business. But, for business owners that don’t want to worry about bonus categories or finding the best way to redeem points or miles, the Spark Cash can be a simple solution that provide...
- Christy Rakoczy, FinanceBuzzThe Capital One Spark Cash for Business is an ideal card if you don’t tend to spend the bulk of your funds on travel, shipping costs, or technology. While there are other business cards that give you bonus rewards for these common types of business spending, the Capital One Spark Cash for Business d...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
20.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
20.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
26.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee |
$95.00 Waived on the first year. |
| Balance Transfer Fee | $0.00 |
| Cash Advance Fee |
3% Minimum of $10 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$39.00 Maximum |
| Promotions | |
| Sign up bonus |
$500 after spending $4,500 On purchases within the first 3 months. |
| Rewards | |
| All Purchases | 2% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | Yes |
| Concierge Service | Yes |
| Price Protection | Yes |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | No |
| Virtual Cards | Yes |
| Additional Benefits |
Lost Luggage Reimbursement |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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