Capital One® Spark® Cash for Business

Card details
on Capital One's secure website
4.9, 1585 votes
Card details
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 17.99% (Variable)
Annual Fee $0 intro for first year; $59 after that
Recommended credit score
690 850 Good, Excellent
Our Review
  • Sign-up bonus
  • Flexible rewards
  • No foreign transaction fees

What makes it shine is that it offers consistently 2% cash back on all the company spending, which is difficult to find on the business credit card market. Unlike most cards, the Capital One SPark Cash for business enables people to enjoy the rewards rate double other cards. Furthermore, it requires no foreign transaction fees, which will be convenient for people to make purchases overseas.


One significant disadvantage of this card is that it has no 0% period. However, most cards for business do well on this aspect. Besides, it provides no bonus rewards categories. For instance, people can earn a consistent 2% cash back with this card, while they cannot earn any more.


The Capital One Spark Cash Credit Card will be beneficial for your business if you are seeking for a card with unlimited cash-back rewards and the sign-up bonus. This card will be definitely the right card if you require the simplicity and flexibility of cash back.