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Which Capital One Spark card is best for you?

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

Use our table to compare Capital One's Spark business cards, including how their rewards, APRs and annual fees stack up. Select up to four cards to view their features side by side.

Name Product Rewards Purchase APR Annual fee
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% to 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 Miles for Business
2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

20.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening. Earn 2x miles on all other purchases.
Capital One Spark 2% Cash Plus
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Pay-in-full card
$150
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
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Compare up to 4 providers

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

Finder rating 3.6 / 5 ★★★★★

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.

Best for cashback rewards

Capital One® Spark® Cash for Business

Finder rating 4.4 / 5 ★★★★★

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.

Best for travel

Capital One Spark Miles for Business

Finder rating 4.5 / 5 ★★★★★

Business owners who travel often might best reap the rewards of the Capital One Capital One Spark Miles for Business.

Best for cash back without an annual fee

Capital One Spark 1.5% Cash Select

Businesses looking for cash back without an annual fee might find the Capital One Spark 1.5% Cash Select to be the better choice over its Capital One® Spark® Cash for Business sibling.

Best for travel without an annual fee

Capital One Spark Miles Select for Business

Finder rating 4.6 / 5 ★★★★★

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.
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How do I choose the best Spark credit card?

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

  • Earn rate. 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.
  • Intro APR. Only the Select cards have intro APRs on purchases.
  • Annual fee. 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.

What are the 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:

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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