Capital One Spark Cash Review: Simple, Generous Rewards

This card is no longer accepting applications. Existing cardholders can earn 2% cash back on all purchases, with no limit and no special categories to keep track of.
By Claire Tsosie and  Paul Soucy 

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Frequently asked questions

The Capital One Spark Cash for Business earns an unlimited 2% cash back on all purchases.

The Capital One Spark Cash for Business has an annual fee of $0 intro for the first year, then $95. For the fee-averse, a similar card, the Capital One Spark Cash Select - $500 Cash Bonus, offers 1.5% cash back for a $0 annual fee.

Yes, a generous one. 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 Select - $500 Cash Bonus has a $0 annual fee but pays a lower rewards rate. See our comparison article.

You don’t need an LLC, corporation or other formal business structure to apply for the Capital One Spark Cash for Business. Sole proprietors such as freelancers, contractors and those with side-hustles can also apply for a small-business credit card. Issuers will consider your personal credit information, income and other factors when evaluating your application.