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Capital One® Spark® Cash for Business
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business
Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

 

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Your Rating:

3.7/5.0 from 183 Offer Ratings
Over the Past 60 Days!

(183) Over the Past 60 Days!

 

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Thanks for rating!

Your Rating:

3.7/5.0 from 183 Offer Ratings
Over the Past 60 Days!

(183) Over the Past 60 Days!

Great For

A rare find: 2% cash back on every purchase, every day

See How Much Cash Back You Could Earn
$0 $10,000

Cash Back Every Year

$240

Card Details

Regular Purchase APR

17.99% (Variable)

Intro Purchase APR

N/A

Intro BT APR

N/A

Annual Fee

$0 intro for first year; $59 after that

Credit Needed

Excellent/Good

Card Brand

Visa®

Highlights

Get a one-time $500 cash bonus

Unlimited 2% Cash Back on every purchase, every day

  • 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 from account opening
  • 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 won't expire for the life of the account, 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
  • Balance Transfer Fee

    N/A

  • Penalty APR

    30.4% (Variable)

  • Foreign Transaction Fee

    None

  • Cash Advance Fee

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

Ongoing Information
  • Rewards Rate

    2% Cash Back on every purchase, every day

  • Annual Fee

    $0 intro for first year; $59 after that

Expert Reviews

  • 4.0 Regular APR
  • 2.5 Intro APR
  • 4.0 Fees
  • 4.0 Benefits
  • 4.0/5 Overall Rating
From the CompareCards.com 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 on every purchase, every day and there's no limit to how much you can earn because Rewards won't expire for the life of the account. 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 once you spend $4,500 on purchases within 3 months from account opening and the APR is 17.99% (Variable).

The Good
  • Earning 2% cash back on every purchase, 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 Rewards won't expire for the life of the account.
The Not so Good
  • Users pay an annual fee of $0 intro for first year; $59 after that.
The Bottom Line

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.

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
(183 Reviews)

Offer Rating

3.7 out of 5.0

5 Star
 
 
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Your Rating

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+181 users submitted a rating without a full review

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90 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.

102 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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