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

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Card details

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

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

  • Purchase above your credit limit with no hassle and no over-limit fees

  • $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 one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 20.99% Variable APR

    Cash Advance APR: 26.99%, Variable

    Penalty APR: 29.40%, Variable

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0 intro for the first year, then $95

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

20.99% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

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 one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from 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.