Card details
Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Use Spark Cash across all your business spend, with no categories to limit your purchasing
$0 intro annual fee for the first year; $95 after that
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Get employee cards at no additional cost, and earn rewards from their business spend
Rates, fees & offers
Annual fee
$0 for the first year, then $95
Rewards rate
2.00%
Bonus offer
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
None
Foreign Transaction Fee
None
Recommended credit score
NerdWallet Review
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.
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