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...
- NextAdvisorIt 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 ba...
- Andy Shuman, CreditCards.comCapital One Spark Cash for Business has one of the best and simplest business rewards credit card programs, with a generous sign-up bonus and excellent earning scheme.
- Lindsay Konsko, NerdWalletThe 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 bac...
- Daniel, UponArrivingThe 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.
- Mike Cetera, The Points GuyThis 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 h...
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 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.
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 generous sign-up bonus and excellent earning scheme.
Read full reviewCapital One Spark Cash for Business has one of the best and simplest business rewards credit card programs, with a generous sign-up bonus and excellent earning scheme.
Read full review
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.
A low-fee business card
The Capital One Spark Cash for Business card can earn you money back on business expenses. You’ll enjoy unlimited cash back earnings plus a one-time $500 signup bonus after you’ve spent $4,500 in the first three months after opening your account.
The Capital One Spark Cash for Business card can earn you money back on business expenses. You’ll enjoy unlimited cash back earnings plus a one-time $500 signup bonus after you’ve spent $4,500 in the first three months after opening your account.
Offers good value to companies looking for a straightforward cash back
While it lacks higher earn rates accompanying competing cards, the Capital One Spark Cash for Business offers a clear and beneficial deal for cardholders alongside strong perks.
While it lacks higher earn rates accompanying competing cards, the Capital One Spark Cash for Business offers a clear and beneficial deal for cardholders alongside strong perks.
Good options for business owners to earn cash back on purchases in general
A cash back card, which means that they don’t have any spending categories to worry about. Instead, they provide the same reward no matter where you shop or what you buy.
A cash back card, which means that they don’t have any spending categories to worry about. Instead, they provide the same reward no matter where you shop or what you buy.
A great option for earning generous yet straightforward rewards
Aarguably 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.
Aarguably 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.