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Which Capital One Spark card is best for you?

Choosing the right card might just depend on your annual spending.

Updated . What changed?

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Capital One’s suite of business cards isn’t as large as some other card issuers. But if you’re looking for travel rewards, cash back or a way to build or rebuild your credit, this big-name bank may be all you need. Curious to learn which Capital One Spark business card is right for you? You’re in the right place.

Overview of Capital One Spark business cards

Here’s a quick overview of each Spark credit card and who best stands to benefit from each.

Best for companies with fair credit
Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business logo
Finder Rating: 3.5 / 5

★★★★★

Credit recommended (630-739)
Read review
Rates & fees

630
Min. credit score
$0
Annual fee
Up to 1%
Cash back
n/a
Welcome offer
Business owners looking to establish and strengthen your business’s credit while earning cash back might find the Capital One® Spark® Classic for Business a solid card.
  • It's a rather simple card. You wont pay an annual fee to use it, and it offers a modest 1% back on all purchases. Of course, these are both fairly generous features given the card is obtainable with just fair credit.
  • For a credit-building card. Its everyday APR for purchases, balance transfers and cash advances is high at 26.99% variable.
  • You will also need to take care to keep up on your payments. A few late payments could lead to a penalty APR of up to 29.4% variable.
Annual Fee $0
Purchase APR 26.99% variable
Balance transfer APR 26.99% variable
Welcome offer N/A
Rewards 1% cash back on all purchases

Best for cashback rewards
Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
2%
Cash back
$500
Welcome offer
If you rack up monthly business expenses to the tune of $20,000 or more, the Capital One® Spark® Cash for Business can be more useful than its no annual fee cousin, the Capital One® Spark® Cash Select for Business.
  • You will earn an unlimited 2% cash back on eligible purchases and a signup bonus worth $500 after you spend $4,500 within your first 3 months of account opening.
  • This card also offers a lower APR on purchases and balance transfers at 20.99% variable.
  • Just $1,500 a month, doable for many businesses, is enough cash back to offset your $95 annual fee after the $0 intro period. You will reap the benefits of this card over the Capital One® Spark® Cash for Business. Given that additional employee cards come at no cost, this could prove easier than you think.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 20.99% variable
Balance transfer APR 20.99% variable
Welcome offer $500 after spending $4,500 in the first 3 months
Rewards 2% cash back on all purchases

Best for travel
Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business logo
Finder Rating: 4.1 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
Up to 5x
Miles
$500
Miles welcome offer
Business owners who travel often might best reap the rewards of the Capital One Capital One® Spark® Miles for Business.
  • You will earn 5x miles on hotel and rental car purchases made through Capital One Travel and 2x miles on all other purchases. This card also offers a strong signup bonus of $500 after you spend $4,500 within your first 3 months of account opening.
  • The cards additional perks help reinforce the cards travel utility, you will enjoy rental collision and theft protection when you rent through Capital One Travel, travel and emergency assistance, pay no foreign transaction fees and additional employee cards come at no cost. A relatively low APR on purchases and balance transfers and free employee cards to help you earn more miles only sweetens the deal.
  • It is important to note that you will need to spend at least $1,500 a month to offset your $95 annual fee, after your $0 intro period. Every mile you earn beyond that is pure rewards for you to enjoy.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 20.99% variable
Balance transfer APR 20.99% variable
Welcome offer 50,000 miles after spending $4,500 in the first 3 months
Rewards 5x miles on hotel and rental car bookings through Capital One Travel℠ and 2x miles on all other purchases

Best for cash back without an annual fee
Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 1.5%
Cash back
$200
Welcome offer
Businesses looking for cash back without an annual fee might find the Capital One® Spark® Cash Select for Business to be the better choice over its Capital One® Spark® Cash for Business sibling.
  • Rewards arent as strong, you will get 1.5% cash back on all purchases instead of 2%, and your signup bonus rests at just $200 after you spend $3,000 within your first 3 months of account opening. Interest on purchases and balance transfers is also potentially higher at 13.99%, 19.99% or 23.99% variable. But you do get an intro APR period of 9 months on purchases that can help out with large business purchases.
  • Still, if your annual business expenses are $18,000 or more, the Capital One® Spark® Cash for Business could be a better choice.
Annual Fee $0
Purchase APR 0% intro for the first 9 months (then 13.99%, 19.99% or 23.99% variable)
Balance transfer APR 13.99%, 19.99% or 23.99% variable
Welcome offer $200 after spending $3,000 in the first 3 months
Rewards 1.5% cash back on all purchases

Best for travel without an annual fee
Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business logo
Finder Rating: 4.1 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5x
Miles
20,000
Miles welcome offer
Unique among Capital Ones travel rewards cards is the Capital One® Spark® Miles Select for Business, which requires no annual fee. Because of this, its signup bonus is modest compared with others in the suite, sitting at 20,000 miles after you spend $3,000 in purchases within your first 3 months.
  • This modesty extends to its cashback potential, you will earn 5 miles on hotel and car rental bookings made through Capital One Travel and 1.5x miles back on everything else, a 0.5x decrease from the Capital One® Spark® Cash for Business.
  • On the other hand, you get an intro APR period of 9 months on purchases, which can help you if you’re looking to invest in your company with equipment or furniture early on. This card also features many of the travel benefits offered by its big brother, like car rental collision and theft protection and travel emergency assistance.
  • However, if your monthly business expenses are $1,500 or more, the Capital One Capital One® Spark® Miles for Business might be a stronger contender.
Annual Fee $0
Purchase APR 0% intro for the first 9 months (then 13.99%, 19.99% or 23.99% variable)
Balance transfer APR 13.99%, 19.99% or 23.99% variable
Welcome offer 20,000 miles after spending $3,000 in the first 3 months
Rewards 5x miles on hotel and rental car bookings through Capital One Travel℠ and 1.5x miles on all other purchases
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Compare Spark business credit cards

Here’s a side-by-side comparison of Capital One’s Spark business cards, including how their rewards, APRs and annual fees stack up.

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Capital One® Spark® Cash for Business
2% cash back on all purchases
20.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $4,500 in the first 3 months.
Capital One® Spark® Miles for Business
5x miles on hotel and rental car bookings through Capital One Travel℠ and 2x miles on all other purchases
20.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 5x miles on hotel and rental car bookings through Capital One Travel℠ and 2x miles on all other purchases.
Capital One® Spark® Miles Select for Business
5x miles on hotel and rental car bookings through Capital One Travel℠ and 1.5x miles on all other purchases
0% intro for the first 9 months (then 13.99%, 19.99% or 23.99% variable)
$0
Earn 5x miles on hotel and rental car bookings through Capital One Travel℠ and 1.5x miles on all other purchases.
Capital One® Spark® Cash Select for Business
1.5% cash back on all purchases
0% intro for the first 9 months (then 13.99%, 19.99% or 23.99% variable)
$0
Unlimited 1.5% cash back on every purchase, every day.
Capital One® Spark® Classic for Business
1% cash back on all purchases
26.99% variable
$0
Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.
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Alternatives to Spark credit cards

Capital One offers solid business credit cards, but it’s not for all business owners. You may want to look elsewhere if:

How to choose the best Spark credit card

Here are some of the finer details you’ll want to compare before making your decision:

  • What earn rate do you want on your card?
    The no-annual-fee cards offer 1.5% earn rates on all purchases. The annual-fee cards offer 2% earn rates. Keep in mind the travel versions offer accelerated rewards on hotel and rental car bookings through Capital One Travel. Also, you may be able to get higher overall rewards rates from your miles by transferring them to Capital One’s travel partners.
  • Do you want an intro APR?
    Only the Select cards have intro APRs on purchases.
  • What annual fee do you want to pay?
    The Select cards and the Capital One® Spark® Classic for Business have no annual fees at all. The other cards have annual fees starting your second card year.

Why choose a Spark card?

Capital One Spark cards are surprisingly robust and fairly specialized: There are two cashback cards, two travel cards and one card for building credit. Between the two cashback cards and two travel cards, the main differences are in the rewards and annual fees – pay the annual fee and you’ll get some better rates and perks in turn.

The rewards across all five cards are solid, and even the credit-building card earns rewards. All the cards offer employee cards at no additional cost, but no matter which card you pick, you’ll have a solid addition to your wallet. If you’re looking for a bit more punch to your card, you’ll want to look at other reward business cards to find one that suits your needs.

Bottom line

Capital One Spark® may not offer the variety of business cards you’ll find with other brands, but it’s a good start for cashback and travel rewards. Matching the needs of your business with a credit card can be difficult — but if you find the right one through Capital One, make sure to go over the eligibility standards before you apply.

You’re not just limited to one suite of cards though. Make sure to compare other business cards and get a good look at all of your choices before settling.

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Frequently asked questions

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