Capital One® Spark® Cash for Business Review Credit Card 5 2016-06-01 08:55:16

Capital One® Spark® Cash for Business Review

Apply for a Capital One® Spark® Cash for Business card
Bottom Line:
Earn unlimited 2% cashback on all purchases with $500 bonus potential

Full Review:
Capital One® Spark® Cash for Business is a great choice for all business who want to earn generous cash back rewards.

It starts off with an unlimited 2% cash back on every single purchase - the highest cash back rate for all purchases we've found of any business credit card. Your rewards won't expire and you can redeem your cash back in any amount you'd like, a nice touch as some cards have minimum redemption requirements of $25-$50. That's followed up with a hefty $500 cash bonus after spending $4,500 in the first 3 months. You can boost your cash back rewards further by taking advantage of the free employee cards. Employee card purchases will earn cash back rewards that accrue towards your account, a nice perk. And the international traveler will appreciate that there are no foreign transaction fees when making purchases outside the U.S.

Other benefits include purchase security, extended warranty protection and travel and emergency services.

  • 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 the first 3 months
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend

  • Unlimited cash back rewards with no expiration date.
  • Earn 2% cash back on every purchase, every day
  • Get a one-time $500 cash bonus—just spend $4,500 on purchases within the first 3 months.

Redeem Rewards
  • Request your cash back anytime, online or by phone
  • Or set up automatic redemption at a set time each calendar year or automatically when a specific dollar threshold has been reached.

Fees and APR
  • Annual Fee: $0 intro for first year; $59 after that
  • Foreign Transaction Fees: None
  • Purchase APR: 17.24% (Variable).
  • Balance Transfer APR: 17.24% (Variable).
  • Balance Transfer Fee: N/A.

Apply for a Capital One® Spark® Cash for Business card

If you have a question or concern we haven't answered on our site, please let us know. Your question will be added to the NextAdvisor Forums so that we and other experts in our community can answer it. Due to volume, we aren't able to respond to every question, but we answer as many as we can.

Card Details

Purchase APR:17.24% (Variable)
Features:$500 bonus after spending $4,500 in first 3 months; 2% cash back on all purchases
Annual Fee:$0 intro for first year; $59 after that
Credit Needed:Excellent, Good

NextAdvisor Credit Cards Blog Headlines

Related Forum Posts

About Us Blog Contact Us Forums Terms & Privacy Policy Affiliate Program Site Map
Copyright© 2006 - 2016 - All rights reserved.

Advertiser Disclosure: is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.