Spark® Cash from Capital One® review

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Advertiser Disclosure

Interest Rate: Purchases
20.99% (Variable)
Balance Transfer
20.99% (Variable)
2% cashback
Signup Bonus
$500 after spending $4,500

Informr score
The Spark® Cash from Capital One® currently has an Informr score of 9.2 out of 10. This score is based on our evaluation of 26 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Spark® Cash from Capital One® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


If 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.

- Ben Luthi, Investopedia

The 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...

- Rebecca Lake, MyBankTracker
One Mile at a Time

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.

- Ben, One Mile at a Time
The Points Guy

There 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...

- Katie Genter, The Points Guy

The 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...

- Christy Rakoczy, FinanceBuzz


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


Sign up bonus $500 after spending $4,500

On purchases within the first 3 months.

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

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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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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