Capital One® Spark® Cash for Business
on Capital One's website
Capital One® Spark® Cash for Business
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.
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