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

Which Capital One Spark business credit card is best for you? – September 2018

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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 September 24th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day
18.74% variable
$0 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.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% 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

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: Capital One® Spark® Cash for Business

Who should get this card?

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 Spark® Cash Select for Business. 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 for Business.

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Best for travel: Spark® Miles for Business

Who should get this card?

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

Who should get this card?

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

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

Who should get this card?

Unique among Capital One’s travel rewards cards is the Spark® Miles Select for Business, 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 for Business might be a stronger contender.

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Compare all business credit cards

Updated September 24th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months
$0 annual fee for the first year ($250 thereafter)
This Charge Card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
$0 annual fee for the first year ($175 thereafter)
13.99%, 18.99% or 20.99% variable
0% for the first 9 months (then 13.99%, 18.99% or 20.99% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 13.99% - 20.99% variable.
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
17.74% to 22.74% 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®.
17.74% to 24.74% variable
$99
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 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.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.49% to 25.49% variable
$0 annual fee for the first year ($99 thereafter)
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening

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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 in two clicks

Take this quick quiz and we'll recommend a business card that best fits your needs.


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Frequently asked questions

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Kliment Dukovski

"Kliment Dukovski is a writer for finder.com. He specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information that will help you make the right financial decision. When he's not writing about finance-related subjects he writes sci-fi stories."

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