Capital One® Spark® Cash for Business Review

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 limited-time cash bonus offer of up to $2,000. You'll earn $500 after spending $5,000 on purchases in the first 3 months and you can add on another $1,500 after spending $50,000 in the first 6 months from account opening. 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-$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.

Other card benefits include purchase security, extended warranty protection and travel and emergency services. International travelers will also appreciate that there are no foreign transaction fees when making purchases outside the U.S. The card does have an annual fee of $95, but it's waived the first year.

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 the Capital One Spark Cash Select for Business.


Rewards

  • Unlimited cash back rewards with no expiration date.
  • Earn 2% cash back on every purchase, every day
  • Earn up to $2,000: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer..

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: 18.74% (Variable).
  • Balance Transfer APR: 18.74% (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.

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