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Capital One’s six Spark business cards offer solid rewards rates on all purchases, plus a few low-interest perks for businesses using credit cards for working capital.
You’ll enjoy no foreign transaction fees, quarterly and year-end statements that categorize business expenses, and the option to personalize your card with your business logo. Each card also comes equipped with Visa Business benefits, including an auto rental collision damage waiver, purchase and warranty protection, and travel and emergency assistance.
Ready to learn about the cards? Here’s what you need to know about each Spark.
Capital One® Spark® Miles for Business
If you want travel rewards, the Capital One® Spark® Miles for Business has one of the highest flat rewards rates in the business. You’ll earn 2X miles on every dollar spent, redeemable for airline tickets, hotel stays and more. There’s also a signup bonus: Get a one-time bonus of 25,000 miles once you spend $5,000 on purchases within the first 3 months.
The card has an annual fee of $0 intro for first year; $59 after that.
Capital One® Spark® Cash for Business
If you prefer cash rewards for your business, the Capital One® Spark® Cash for Business is a great option. It offers 2% cash back on every purchase and a cash signup bonus: Get a one-time $250 cash bonus once you spend $5,000 on purchases within the first 3 months. You can redeem your cash back at any time, in any amount.
The Capital One® Spark® Cash for Business has an annual fee of $0 intro for first year; $59 after that.
Capital One® Spark® Miles Select for Business
If you’re looking for a travel credit card without an annual fee, you should check out the Capital One® Spark® Miles Select for Business. It offers 1.5 miles on every dollar you spend and a one-time signup bonus: 10,000 miles after you spend $3,000 in the first three months.
The Capital One® Spark® Miles Select for Business is a great card if you need some time to pay off your business purchases. It has an introductory APR offer of 0% on purchases until October 2015, and then the ongoing APR of 12.9% - 20.9% (Variable). Just make sure you pay off the balance before any interest is accrued.
Capital One® Spark® Cash Select for Business
If you’d prefer a cash-back card without an annual fee, the Capital One® Spark® Cash Select for Business is a great option. It offers 1.5% back on every purchase and a cash signup bonus of $100 after you spend $3,000 in the first three months.
Like the Capital One® Spark® Miles Select for Business, the Capital One® Spark® Cash Select for Business offers an introductory APR of 0% on purchases until October 2015, and then the ongoing APR of 12.9% - 20.9% (Variable).
Capital One® Spark® Select for Business
If you need a longer 0% APR period, the Capital One® Spark® Select for Business has an introductory offer of 0% on purchases until January 2016, and then the ongoing APR of 10.9% - 18.9% (Variable). This gives you a few extra months of 0% financing than the Capital One® Spark® Miles Select for Business — remember to pay it off before your balance accrues any interest.
The Capital One® Spark® Select for Business offers 1 mile on every $1 spent. There’s no signup bonus: this card is for people who need time to pay off business purchases, not high-rewards chasers.
Capital One® Spark® Classic for Business
If your business’ credit is less than stellar, the Capital One® Spark® Classic for Business is a solid option. It’s available for businesses that don’t necessarily have excellent credit.
The Capital One® Spark® Classic for Business offers 1% back on all your purchases.
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