Capital One Spark Cash for Business review |

Spark® Cash from Capital One® review

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Spark® Cash from Capital One®

A low-fee business credit card with unlimited cash back.

  • Get this card for unlimited 2% cash back on business spending.
  • Pick something else if you’re looking for a low intro APR.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameSpark® Cash from Capital One®
Card TypeVisa
Annual Fee$0 intro annual fee for the first year ($95 thereafter)
Standard Purchase APR19.24% variable
Intro Purchase APR


Standard Balance Transfer APR19.24% variable
Intro Balance Transfer APR


Cash Advance Rate25.24% variable
Cash Advance Fee$10 or 3% of the cash advance amount, whichever is greater
Foreign Transaction FeeNone
Interest Free PeriodUp to 25 days
Late Payment Fee$39
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome Offer$500 after spending $4,500 in the first 3 months
Rewards2% cash back on all purchases
Base Rewards2% cash back
Rewards Points ExpiryNever

The basics

As its name implies, the Spark® Cash from Capital One® card can earn you money back on business expenses. On top of unlimited cashback earnings, you’re eligible for a one-time $500 signup bonus after you spent $4,500 on purchases in the first 3 months your account is open. And Capital One waives the card’s annual fee for your first year. After that, the annual fee will be $95.

If you’re looking for a low-fee business card, Spark® Cash from Capital One® could be for you. Other business cards in the Spark® suite are the Spark® Cash Select from Capital One®, which offers an unlimited 1.5% cash back without an annual fee; the Spark® Classic for Business for those with fair credit looking for a cashback business card, and the travel-focused Spark® Miles from Capital One®, which earns you 2 miles for every dollar spent.

Another flat cash back business card

The Blue Business‎℠ Plus Credit Card from American Express

  • Get rewarded for business as usual. Earn 2x Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2x applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms apply
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See Rates & Fees

The perks

  • Unlimited cash back.

    Get 2% cash back on all purchases with no limits as to how much you can earn. Redeem your cash back as a statement credit, a check or for credits toward previous purchases, gift cards and more.

  • Signup bonus.

    Spend $4,500 on purchases in the first 3 months your account is open to earn $500 in statement credit.

You’ll also like …

  • Visa® Business benefits.

    Get car rental insurance, purchase protection and 24/7 travel emergency services should you need medical, legal or other services while traveling.

  • Free employee cards.

    Add employee cards to your account at no additional cost and earn cashback rewards on all employee purchases.

  • No foreign transaction fees.

    You won’t pay fees on international transactions when you use your card abroad. Other cards charge up to 3% of each transaction.

  • Fraud alerts.

    Get real-time alerts for fraud attempts and $0 fraud liability if you lose your card or it’s stolen.

  • APR on purchases and balance transfers.

    The Spark® Cash from Capital One® comes with 19.24% variable APR on purchases and balance transfers. APRs for similar business cards can reach up to 20.74% variable.

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

What to watch out for

  • Annual fee.

    Capital One has a $0 annual fee for your first year. After that, the annual fee will be $95. With 2% cash back on your purchases, however, you can offset the annual fee by spending $5,000 a year.

  • Late payment fees and interest.

    You’ll pay up to $39 for late payments. If you’re late twice within 12 billing cycles, Capital One may apply a penalty APR of 31.65% variable to your account. And you could be stuck with the penalty APR until you make 12 consecutive on-time payments.

  • No travel rewards.

    Airfare, hotel, rental car and other travel purchases won’t earn you additional rewards.

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Compare business credit cards

Name Product Rewards Purchase APR Annual Fee
0% intro for the first 20 billing cycles (then 12.24% to 20.24% variable)
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% intro for the first 15 months (then 14.49% to 21.49% variable)
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% intro for the first 12 months (then 15.49% to 21.49% variable)
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
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
0% intro 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

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What size business is the Spark® Cash from Capital One® good for?

Small businesses that don’t spend much on any one category of purchases — but spend enough to make the most out of the unlimited 2% cash back — could find this card rewarding.

Suppose your business spends $20,000 a month. After a year, you’d have earned $4,800 back in cash. The card’s $95 annual fee kicks in for your second year. But just $5,000 in purchases provide more than enough cash back to cover the fee.

What should I know before I apply

To apply for the Spark® Cash from Capital One®, you must be at least 18 years old and a US citizen or legal resident.

You’re required to provide information that includes:

  • Your business name, address and industry.
  • Ownership type, years in business and tax ID.
  • Your annual revenue and monthly expenses.
  • Your personal and financial information, including monthly housing costs.

What credit score do I need?

You can apply with a good business score of 670. But a high credit limit may require a higher credit score.

Keep in mind that Capital One conducts a triple pull on your credit history from TransUnion, Equifax and Experian, while other banks pull from one credit bureau only.

What’s my likelihood of approval?

To increase your chances of approval, apply with a good to excellent credit score of 670 or higher.

What do customers say about the Spark® Cash from Capital One®?

You’ll find customers online who claim that the Spark® Cash from Capital One® affected their personal credit. Some complain about receiving their low credit limit and spotty customer service. Still others say they’re satisfied with the card’s unlimited 2% cash back and guidance with improving their overall financial health.

Capital One Financial Corporation earns an A+ rating from the Better Business Bureau, which has accredited the bank since 1995.

How to apply for the Spark® Cash from Capital One®

  1. Visit Capital One’s website.
  2. Select the Spark® Cash from Capital One® from the list of business credit cards and click Apply now.
  3. Complete the application form with the required personal, financial and business information.
  4. Review your application and submit it.

How long will it take to be approved?

Capital One automates conditional approval on its website, which means you could see a decision in minutes if you’ve provided accurate information. Applications that need further review may take several business days for processing.

How long will it take to get my Spark® Cash from Capital One® card?

After approval, you should receive your card by mail in seven to 10 business days.

I got the card. Now what?

  • Set up automatic cash back. Visit Capital One online or call its rewards center at 1-800-228-3001 to set up when you’ll receive cashback rewards. You can specify each calendar year or after you a specific threshold of $25, $50, $100 or $200.
  • Avoid paying fees and interest. Avoid late fees of up to $39 by paying your balance on time and a potential penalty APR of 31.65% variable. Pay your statement in full in your grace period to avoid unnecessary interest on your purchases.
  • Earn more through employees. Get additional cards for your employees to earn more cash back.
  • Get help. For any questions, call Capital One’s customer service at 1-800-867-0904 or log in to your online account.

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Bottom line

The Spark® Cash from Capital One® card helps you earn unlimited cash back as you buy the things your business needs. It offers a consistent 2% cash back on your purchases with no limits on how much you can earn.

But with so many business cards out there, do your research before making a decision. Compare other Capital One credit cards or look into other card providers to find one that best suits your business.

Frequently asked questions about Capital One


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