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Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business


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Your Rating:

3.7/5.0 from 75 Offer Ratings
Over the Past 60 Days!

(75) Over the Past 60 Days!

  • Regular Purchase APR 17.74% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fees $0 intro for first year; $59 after that
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend

Card Fees

Late Payment Fees Up to $39

Foreign Transaction Fee None

Balance Transfer Fee N/A

Cash Advance Fee 3% of the amount of the cash advance, but not less than $10

Penalty APR 30.15% (Variable)

Minimum Interest Charge See Terms*

Ongoing Information

Rewards Cap No Cap

Rewards Rate 2% Cash Back on every purchase, every day

Annual Fee $0 intro for first year; $59 after that

Purchase Grace Period 25 days

Expert Reviews

From the Editorial Team

The Capital One Spark Cash for Business Card comes with their award-winning, small business customer service so you can always expect your questions to be answered. Their great rewards program earns you 2% cash back and there's no limit to how much you can earn because rewards don't expire. Rewards can also be redeemed at any time for any amount with the option for automatic redemption.

There's the ability to earn a one-time $500 cash bonus after you spend $4,500 on purchases in the first 3 months and the APR is 17.74% (Variable).

Expert Reviews of the Capital One® Spark® Cash for Business

  • 4.0

    Regular APR

  • 2.5

    Intro APR

  • 4.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

The 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.

The Good

Earning 2% cash back on all purchases, every day is a great rewards program. On top of that, there's no annual fee for the first year and rewards can be redeemed at any time, for any amount, and never expire.

The Not so Good

Users pay no annual fee the first year and then $59 annually after that.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.

Consumer Reviews

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Offer Rating


75 Total Ratings

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+73 users submitted a rating without a full review

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74 Found this review helpful

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By: | Dec 11, 2014

Did a lot of research and this is the best card available to business owners. 2% cash back on everything and I actually got a $500 bonus for signing up. I use my Costco AMEX (4% cash back) for gas and I use this card for everything else.

83 Found this review helpful

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By: | Sep 22, 2014

It's great because of the 2% cash back and $300 in bonuses, and NO revolving categories for cash back. Because of the $59 annual fee, if your spending less than $1000 on a card, then a different card is financially better, like one that pays 1.5% cash back. But if you spend more than $1000 with your card, this one is better, just do the math.

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