Spark® Cash from Capital One® review

Compare Compare  
Advertiser Disclosure

Interest Rate: Purchases
18.74% (Variable)
Balance Transfer
18.74% (Variable)
Rewards
2% cashback
Signup Bonus
$500 after spending $4,500


9.1/10
Informr score
The Spark® Cash from Capital One® currently has an Informr score of 9.1 out of 10. This score is based on our evaluation of 22 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...


SmartAsset

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 yo...

- Amelia Josephson, SmartAsset
Compare Cards

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.

- Compare Cards
CreditCards.com

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 p...

- Andy Shuman, CreditCards.com
LendEDU

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, Sp...

- Jeff Gitlen, LendEDU
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.

- Lucky, One Mile at a Time

Details


Interest Rates
Regular APR Interest Rate 18.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.74% (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
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

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Spark® Cash from Capital One®

Rate It:

Critic Reviews


SmartAsset

An easy-to-use cash back card

from SmartAsset

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.

Read full review

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.

Read full review

Less

Compare Cards

A rare find: 2% cash back for your business on every purchase, everywhere

Compare Cards

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.

Read full review

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.

Read full review

Less

CreditCards.com

Simple business credit card with a superb cash-back rate

from CreditCards.com

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

Less

LendEDU

Solid and unlimited cash back rewards rate

from LendEDU

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.

Read full review

Less

One Mile at a Time

A great option for earning generous yet straightforward rewards

from 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.

Read full review

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.

Read full review

Less

NextAdvisor

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.

Read full review

Less

NerdWallet

Offers a good deal to small business owners

from NerdWallet

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

Less

UponArriving

Appeals to your needs and interests

from UponArriving

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.

Read full review

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.

Read full review

Less

The Points Guy

Its chief feature is simplicity

from The Points Guy

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.

Read full review

Less

The Simple Dollar

Perfect for business owners who hate rewards programs

from The Simple Dollar

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.

Read full review

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.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.