Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

on Capital One's website

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

on Capital One's website

Card details

  • Limited Time Offer: Earn up to $2,000 in cash bonuses

  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening

  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions

  • $0 annual fee for the first year; $95 after that

  • Free employee cards, which also earn unlimited 2% cash back on all purchases

  • $0 Fraud Liability if your card is lost or stolen

  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

  • No foreign transaction fees

Rates, fees & offers

  • Annual fee

    $0 intro for the first year, then $95

  • Rewards rate

    2%

  • Bonus offer

    Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 18.74% Variable APR

    Penalty APR: 31.15%, Variable

    Cash Advance APR: 24.74%, Variable

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

Recommended credit score

NerdWallet review

By Erin El Issa

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • No foreign transaction fee

Cons
  • Has annual fee

  • High APR

If your business needs a straightforward cash rewards credit card, the Capital One® Spark® Cash for Business is a solid option. It offers 2% back on all of your purchases and there's no annual spending cap. There's also a signup bonus: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening..

The Capital One® Spark® Cash for Business has an annual fee of $0 intro for the first year, then $95, and no foreign transaction fees. There are business cards without annual fees, but this isn't a bad fee — you can make it up by spending just $4,750 a year. The Capital One® Spark® Cash for Business is ideal for businesses that don't require frequent travel, and for spending that is high and/or varies throughout the year.

Want to learn more about the Capital One® Spark® Cash for Business? See our full review of all the Spark cards for additional information.

User Reviews

Rating Details

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