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...
- Compare CardsCapital One® Spark® Cash for Business Card is perfect for businesses looking to make high-end purchases they intend to pay off each month, while earning rewards for those purchases.
- Andy Shuman, CreditCards.comCapital One Spark Cash for Business has one of the best and simplest business rewards credit card programs, with a large sign-up bonus and excellent earning scheme. While it does have a $95 annual fee, it is waived for the first year, thus lowering the risk of trying out the card for a preliminary p...
- Amelia Josephson, SmartAssetIf you have excellent credit and want a user-friendly cash-back card for yourself and your employees, the Capital One Spark Cash for Business card is worth a look. The $500 bonus if you spend $4,500 in the first three months is a nice perk that will help defray the $95 annual fee you’ll owe after yo...
- Jeff Gitlen, LendEDUThe Capital One Spark Cash for Business card is a solid option for businesses that don’t want to track bonus categories and spend more than $19,000 per year. Companies that want greater rewards opportunities, miles, no annual fee, or a lower APR may find other cards—such as the Spark Cash Select, Sp...
- Lucky, 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
19.24% This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
19.24% This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
25.24% 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 |
| 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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Critic Reviews
A rare find: 2% cash back for your business on every purchase, everywhere
Capital One® Spark® Cash for Business Card is perfect for businesses looking to make high-end purchases they intend to pay off each month, while earning rewards for those purchases.
Capital One® Spark® Cash for Business Card is perfect for businesses looking to make high-end purchases they intend to pay off each month, while earning rewards for those purchases.
Simple business credit card with a superb cash-back rate
Capital One Spark Cash for Business has one of the best and simplest business rewards credit card programs, with a large sign-up bonus and excellent earning scheme. While it does have a $95 annual fee, it is waived for the first year, thus lowering the risk of trying out the card for a preliminar...More
Capital One Spark Cash for Business has one of the best and simplest business rewards credit card programs, with a large sign-up bonus and excellent earning scheme. While it does have a $95 annual fee, it is waived for the first year, thus lowering the risk of trying out the card for a preliminary period. Carrying a balance on this card, however, is a losing proposition. The 19.24 percent variable APR cancels out any profit you make with your 2 percent cash back.
Read full review
An easy-to-use cash back card
If you have excellent credit and want a user-friendly cash-back card for yourself and your employees, the Capital One Spark Cash for Business card is worth a look. The $500 bonus if you spend $4,500 in the first three months is a nice perk that will help defray the $95 annual fee you’ll owe after your first year as a cardholder.
If you have excellent credit and want a user-friendly cash-back card for yourself and your employees, the Capital One Spark Cash for Business card is worth a look. The $500 bonus if you spend $4,500 in the first three months is a nice perk that will help defray the $95 annual fee you’ll owe after your first year as a cardholder.
Solid and unlimited cash back rewards rate
The Capital One Spark Cash for Business card is a solid option for businesses that don’t want to track bonus categories and spend more than $19,000 per year. Companies that want greater rewards opportunities, miles, no annual fee, or a lower APR may find other cards—such as the Spark Cash Sel...More
The Capital One Spark Cash for Business card is a solid option for businesses that don’t want to track bonus categories and spend more than $19,000 per year. Companies that want greater rewards opportunities, miles, no annual fee, or a lower APR may find other cards—such as the Spark Cash Select, Spark Miles, or Spark Miles Select—that fit their needs better.
A great option for earning generous yet straightforward rewards
Arguably 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.
Arguably 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.
A great choice for all businesses who want to earn generous cash back rewards
It starts off with a hefty $500 intro bonus when you spend $4,500 on purchases in the first 3 months. On top of that, you’ll earn an unlimited 2% cash back on every single purchase — the highest flat cash back rate for all purchases we’ve found of any business credit card. You can boost you...More
It starts off with a hefty $500 intro bonus when you spend $4,500 on purchases in the first 3 months. On top of that, you’ll earn an unlimited 2% cash back on every single purchase — the highest flat cash back rate for all purchases we’ve found of any business credit card. You can boost your cash back rewards further by taking advantage of the free employee cards.
Offers a good deal to small business owners
The Capital One Spark Cash for Business will do your business right if you’re looking for high, unlimited cash-back earnings, a sign-up bonus and user-friendly redemption structure. Other cards might be better for certain features, but if you’re looking for the simplicity and flexibility of c...More
The Capital One Spark Cash for Business will do your business right if you’re looking for high, unlimited cash-back earnings, a sign-up bonus and user-friendly redemption structure. Other cards might be better for certain features, but if you’re looking for the simplicity and flexibility of cash back, you really can’t go wrong with this card.
Read full review
Appeals to your needs and interests
The Capital One Spark is a good 2% cash back business credit card for someone who is not interested in special bonus categories and more interested in keeping their credit card rewards simple in the form of straight cash back.
The Capital One Spark is a good 2% cash back business credit card for someone who is not interested in special bonus categories and more interested in keeping their credit card rewards simple in the form of straight cash back.
Its chief feature is simplicity
This is a quality card for a business owner who doesn’t want to fuss with bonus categories or points redemption. It also makes for a sound second credit card if you’re looking to boost your earning on everyday non-bonus spending. And, if you do much international travel, this card is also han...More
This is a quality card for a business owner who doesn’t want to fuss with bonus categories or points redemption. It also makes for a sound second credit card if you’re looking to boost your earning on everyday non-bonus spending. And, if you do much international travel, this card is also handy to have for those purchases, as it charges no foreign transaction fees.
Perfect for business owners who hate rewards programs
The Capital One® Spark® Cash for Business just so happens to be one of the least complicated options you might end up with due to its simple process for earning rewards and redeeming them. And if you hate traditional rewards programs and all the hoops they make you jump through, this card could easily be the right one for you.
The Capital One® Spark® Cash for Business just so happens to be one of the least complicated options you might end up with due to its simple process for earning rewards and redeeming them. And if you hate traditional rewards programs and all the hoops they make you jump through, this card could easily be the right one for you.