Capital One® Spark® Cash for Business
on Capital One's website
Capital One® Spark® Cash for Business
Card details
Earn unlimited 2% cash back for your business on every purchase, everywhere
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
$0 annual fee for the first year; $95 after that
$0 Fraud Liability if your card is lost or stolen
Free employee cards, which also earn unlimited 2% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Rates, fees & offers
Annual fee
$0 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: 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
4.4
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 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.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
Already have this card?
Tell us what you think.
Some of the reviews on the NerdWallet site were purchased through a third party provider. Users who post a review directly on the NerdWallet site will not be compensated in any way. Please see our Terms of Use and Posting Guidelines for more information.