Capital One® Spark® Cash for Business Review

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Our Detailed Review of This Card

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

It starts off with a hefty $500 intro bonus when you spend $4,500 on purchases in the first 3 months. On top of that, you’ll earn an unlimited 2% cash back on every single purchase — the highest flat 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 to $50. 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 toward your account, a nice perk. The card does have an annual fee of $95, but the annual fee is waived the first year.

Other card benefits include purchase security, extended warranty protection, and travel and emergency assistance services. International travelers will also appreciate that there are no foreign transaction fees when making purchases outside the United States.

It’s hard to go wrong with all the copious rewards and perks Capital One® Spark® Cash for Business offers. However, if you’re looking for a similar business card with no annual fee, take a look at its sister card, Capital One® Spark® Cash Select for Business.


  • Unlimited cash back rewards with no expiration date.
  • Earn $500 once you spend $4,500 on purchases within 3 months from account opening.
  • Earn 2% cash back on every purchase, every day.

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; $95 after that.
  • Foreign Transaction Fees: None.
  • Purchase APR: 19.24% (Variable).
  • Balance Transfer APR: 19.24% (Variable).
  • Balance Transfer Fee: N/A.
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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.