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Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

on Capital One’s secure website


• 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 of approval

• 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 don't expire, 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


Waived annual fee for 1st year

Annual fee

$0 intro for first year, then $59


17.49% Variable

Rewards rate

Unlimited 2%

Sign up value


Minimum credit

Capital One® Spark® Cash for Business

Great card.

It’s great to earn 2% cash back on everything every day, that makes this card just too simple not to use. To add to that there’s no annoying categories and cashback doesn’t expire. Annual fee is quite reasonable when it kicks in on the 2nd year. Had this card almost 3 years now and will probably be a keeper
Capital One® Spark® Cash for Business

Simple but rewarding.

Like my title, this card is simple but rewarding. 2% flat cash back on everything is just great. I hate the amount of time I’ve lost on managing the rewards on other cards – they’re never worth it.
Capital One® Spark® Cash for Business

Card suitable for everyone.

I can’t think of anyone this card wouldn’t be suitable for. My FICO wasn’t great, so I got a small CL but over time I’ve been rewarded with CL increases. It reports to the major bureaus so I’m confident my FICO is improving.

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