Which Capital One Spark business credit card is best for you? | finder.com
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Which Capital One Spark business credit card is best for you? – June 2019

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

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 card is the best Capital One Spark business card? You’re in the right place.

Compare Spark business credit cards

Updated June 19th, 2019
Name Product Rewards Purchase APR Annual Fee
25.24% variable
$0
Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.
2% cash back on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
Unlimited 1.5x miles on every purchase, every day.
0% for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
$0
Unlimited 1.5x miles on every purchase, every day.
Earn unlimited 2 miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 2X miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.
0% for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.

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Best Capital One Spark credit cards

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Best for companies with fair credit: Spark® Classic for Business

Spark® Classic for Business

Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.

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Who should get this card?

Business owners looking to establish and strengthen your business’s credit while earning cash back might find the Spark® Classic for Business a solid card. You won’t pay an annual fee, and if you travel often you can use your card outside the US without paying foreign transaction fees.

For a credit-building card, however, its everyday APR for purchases, balance transfers and cash advances is high.

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Best for cashback rewards: Spark® Cash from Capital One®

Spark® Cash from Capital One®

Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.

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Who should get this card?

If you rack up monthly business expenses to the tune of $20,000 or more, the Spark® Cash from Capital One® can be more useful than its no-annual-fee cousin, the Spark® Cash Select from Capital One®. You’ll earn more cash back with a lower APR on purchases and balance transfers. Plus, you can rack up more rewards with free employee cards.

Just $1,500 a month — doable for many businesses — is enough cash back to offset your annual fee and reap the benefits of this card over the Spark® Cash Select from Capital One®.

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Best for travel: Spark® Miles from Capital One®

Spark® Miles from Capital One®

Earn unlimited 2X miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.

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Who should get this card?

Business owners who travel often might best reap the rewards of the Capital One Spark® Miles from Capital One®. You’ll earn miles on every purchase while getting the strongest Capital One Spark Visa® Signature benefits. A relatively low APR on purchases and balance transfers and free employee cards to help you earn more miles only sweetens the deal.

It’s important to note that you’ll need to spend at least $1,500 a month to offset your annual fee. Every mile you earn beyond that is pure rewards for you to enjoy.

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

Spark® Cash Select from Capital One®

Unlimited 1.5 cash back on every purchase, every day.

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Who should get this card?

Businesses looking for cash back without an annual fee might find the Spark® Cash Select from Capital One® to be the better choice over its Spark® Cash from Capital One® sibling. Rewards aren’t as strong — you’ll get 0.5% less cash back on all purchases — and the APR on purchases and balance transfers is higher. But you get a long intro APR period on purchases that can help out with large business purchases.

Still, if your annual business expenses are $18,000 or more, the Spark® Cash from Capital One® could be a better choice.

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

Spark® Miles Select from Capital One®

Unlimited 1.5x miles on every purchase, every day.

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Who should get this card?

Unique among Capital One’s travel rewards cards is the Spark® Miles Select from Capital One®, which requires no annual fee. Because of this, its signup bonus is modest compared with others in the suite, as is its cashback potential. On the other hand, you get a long intro APR period on purchases, which can help you if you’re looking to invest in your company with equipment or furniture early on.

However, if your monthly business expenses are $1,500 or more, the Capital One Spark® Miles from Capital One® might be a stronger contender.

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Consider a business card from another brand

SimplyCash® Plus Business Credit Card from American Express

  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
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See Rates & Fees
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Compare all business credit cards

Updated June 19th, 2019
Name Product Rewards Purchase APR Annual Fee
N/A
0% for the first 20 billing cycles (then 12.24% to 20.24% variable)
$0
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
0% for the first 15 months (then 14.49% to 21.49% variable)
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
0% for the first 6 months (then 17.99% to 26.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn 70,000 bonus miles after you make $4,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
16.49% to 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership. Rates & fees
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
N/A
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
2x points on purchases through Amex Travel and x points on all other purchases
N/A
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership. Rates & fees
1.5% discount when you pay early
N/A
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees
6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
0% for the first 6 months (then 17.99% to 26.99% variable)
$450
Earn 80,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $6,000 in purchases on your new card in your first 3 months. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
0% for the first 6 months (then 17.99% to 26.99% variable)
$195
"Earn 5,000 Medallion Qualification Miles (MQMs) plus 80,000 bonus miles after spending $6,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Rates & fees
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
N/A
N/A
$0
60-day interest-free financing for e-commerce businesses.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months

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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.

Find the right business card

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