Capital One® Spark® Cash for Business

Advertiser & Editorial Disclosure

Any business owner who needs a versatile cash-back rewards credit card will be pleased with the balance of offerings from the . With a generous bonus offer that gives you a chance at cash back right away and no annual fee for the first year, it’s one of the most… Continue

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Good rewards card for those who pay on time

Capital One® Spark® Cash for Business

Intro APR N/A
Annual Fee $0 intro for first year; $95 after that

Rates and Fees

Terms, Rates & Fees

Intro APR N/A
Purchase APR 18.74% (Variable)
Annual Fee $0 intro for first year; $95 after that
Welcome Offer Earn up to $2,000: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer.
Rewards Rate 2% Cash Back for your business on every purchase, everywhere.

Details

  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Nav's Verdict

Bottom Line A good option for businesses that want to earn rewards at a higher rate, as long as you pay on time.

Any business owner who needs a versatile cash-back rewards credit card will be pleased with the balance of offerings from the Capital One® Spark® Cash for Business. With a generous bonus offer that gives you a chance at cash back right away and no annual fee for the first year, it’s one of the most competitive reward cards on the market.

Pros and Cons

Perks include:

  • 2% Cash Back for your business on every purchase, everywhere.
  • Redeem cash at any time
  • No foreign transaction fees
  • No caps on earning
  • Earn up to $2,000: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer.

Cons include:

  • No special lower intro interest rate
  • No opportunities to earn higher cash rewards rates for special categories
  • Annual fee of $95 after the first year
  • Requires an excellent credit profile

Summary of the Capital One® Spark® Cash for Business

Savvy entrepreneurs will find using and earning with this card very easy. There are no categories to sign up for, just a straight 2% Cash Back for your business on every purchase, everywhere.. Get free, extra cards for your employees, and watch the earnings add up. Like the other Spark business cards, it accepted virtually everywhere and has security features like fraud protection and no foreign transaction fees. You’ll also get the trusted customer service that Capital One is known for providing to both business and consumer cardholders.

Full Review

With business owners needing a card that will be there while in the office—and at home—it’s important to take note that this card comes with Visa Signature Business card perks, including 24/7 emergency card replacement, so you can get a new one quickly if yours is lost or stolen.  It also includes auto rental coverage, so you don’t have to take the expensive policy the rental agency offers you.

This card is perfect for business purchases; not only will you earn 2% back on everything you buy, but you’ll also have the peace of mind that comes with knowing your item will be replaced, repaired, or reimbursed if something happens to it within the first 90 days (for eligible items.) There is also a very beneficial warranty perk that doubles manufacturer coverage on things you buy.

These common perks are in addition to those unique to the Capital One® Spark® Cash for Business, which offers a very competitive intro offer of a Earn up to $2,000: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer.—which is in addition to the standard 2% you’re earning anyway. With an annual fee of $0 intro for first year; $95 after that and earnings that never expire, this is a card that should make most business owners feel empowered to shop, save, and earn without giving their spending habits a second thought.

Is the Capital One® Spark® Cash for Business Right for You?

This card requires very good to excellent credit to qualify, so it’s a wise pick if you have a good business or personal credit score. Because it’s open to those with more favorable credit, it has some better-than-average perks, such as that attractive 2% earning rate, which is twice what most cards give for their general earning categories. The intro offer is appealing, as well, and one of the better bonuses on the market.

If you can’t qualify for this card, or would rather earn rewards another way, other cards may be a better fit. They include:  

For a competitive cash back card with similar benefits, consider Capital One’s Capital One® Spark® Cash Select for Business business credit card. It has a slightly lower intro bonus, but also requires less spending. Get $200 Cash Back once you spend $3,000 on purchases within the first 3 months from account opening. There is no annual fee and rewards cardholders with a straight 1.5% Cash Back on every purchase..

If your credit is a little lackluster, you might find the Capital One® Spark® Classic for Business card a better choice. It’s available for those with average credit and offers 1% Cash Back on every purchase.. There is a $0 annual fee, so you can afford to build your credit while you get money back for the things you buy. It’s a great starter card for businesses who need to establish a business credit profile.

Many business owners prefer travel rewards, and Capital One has you covered with two cards designed to help you earn miles quickly. The $0 intro for first year; $95 after that, gives you 2 Miles per $1 on every purchase, everywhere. It also comes with Earn up to 200,000 miles: Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months and 150,000 miles when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer. Skip the annual fee the first year while you see if this is a good fit.

For a similar card with no annual fee, try the Capital One® Spark® Miles Select for Business. This card has many of the same benefits but only offers 1.5 Miles per $1 on every purchase.. Its bonus offer is a bit smaller at 20000 Miles once you spend $3,000 on purchases within the first 3 months from account opening, but it does give new cardholders an intro APR of 0% on purchases for 9 months. There’s no annual fee on this popular travel rewards card.  

Frequently Asked Questions

The most common questions applicants and cardholders have about the Capital One® Spark® Cash for Business are these:

What is the earning limit for this card?

There are no limits to your 2% cashback earnings, and you can cash out in any increment. Rewards are not given for balance transfers, certain lottery or gambling purchases, and cash advances.

Will my rewards ever expire?

Cash earned through the rewards program is available to you to cash out or apply to your statement balance as long as you remain a cardholder in good standing. These rewards will not expire while you own your account.

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About Author

Linsey Knerl

Linsey Knerl

Linsey Knerl is a Midwest-based author, public speaker and member of the ASJA. She has a passion for helping consumers and small business owners do more with their resources through awareness of the latest financial and tech services.