Advertiser & Editorial Disclosure

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

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; $95 after that. Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount. Get employee cards at no additional cost, and earn rewards from their business spend. Fraud Coverage – You’re covered by $0 Fraud Liability if your card is ever lost or stolen. Quarterly and year-end summary – Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time. Travel & Emergency Assistance – Available 24/7 to help connect you with local emergency and assistance resources when you’re away from home. Warranty Manager/Extended Protection – Provides you with valuable features to help manage, use and even extend warranties of items purchased with your card. Complimentary Concierge Service – Available 24/7 this service can help you with entertainment, dining, travel and even finding the perfect gift. Auto Rental Insurance – Use your card to rent an eligible vehicle and you’re covered for collision, damage and loss. Roadside Assistance – Take advantage of 24 hour toll-free dispatch to help with services like towing, fuel delivery and more. Lost Luggage Replacement – You may be eligible for reimbursement due to theft or misdirection. Purchase Security – Eligible purchases are replaced, repaired or reimbursed for the first 90 days.


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Card Perks
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Bottom Line

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


A great intro rewards offer with rewards flexibility, solid benefits, for those with excellent credit.


Above average interest rate, steep penalties for late payments, annual fee after the first year.

Features & Benefits

Fraud Coverage

You're covered by $0 Fraud Liability if your card is ever lost or stolen

Penalty APR
30.4% (Variable)
Balance Transfer APR
17.99% (Variable)
Cash Advance APR
23.99% (Variable)
Purchase APR
17.99% (Variable)
Foreign Transaction Fee
Over Limit Fee
Late Payment Fee
Up to $39
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Annual Fee
$0 intro for first year; $95 after that
Welcome Offer
$500 Cash Back once you spend $4,500 on purchases within 3 months from account opening
Rewards Rate
2% Cash Back on every purchase, every day


Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.

August 10 2016

Seriously, this is the best credit card I’ve ever had. Nav had a great interface that showed me exactly what card would be best for me. Thanks, Nav!

December 1 2016


June 30 2017

This card isn't under my name but I was added as an authorized user. I think it is a great card. 2% cash back on everything definitely adds up!

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