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Apply online for Capital One® Spark® Cash for Business
About Our Ratings
Credit Needed
Excellent, Good

Capital One® Spark® Cash for Business Review

Pros & Cons

  • High earn rate and a one-time $500 cash bonus once you spend $4,500 on purchases within the first three months
  • Straightforward rewards program with no sign-ups, caps, rotating categories, or expiration dates for the life of the account.
  • Add employee cards for free and reap the rewards from their purchases.
  • Those that spend less than $1,000 monthly may be better off with a card without an annual fee.

Top Features

Highlighted Offer
$500 Cash Back 
once you spend $4,500 on purchases within 3 months from account opening
Purchase Intro
APR:
N/A
Purchase APR
17.99% (Variable)
Annual Fee
$0 intro for first year; $95 after that

Full Review

Curtis Arnold Editor-in-chief

What sets Capital One® Spark® Cash for Business apart from others? At the heart, 2 percent cash back on every purchase blows other small-business cards away. Though other business cards may offer higher credit limits and seasonal bonuses, Capital One's streamlined rewards program could encourage you to put a Spark card at the heart of your company's cash-management strategy.

Cash flow and cash back

Capital One has staked a major claim in the rewards credit card marketplace, promoting travel rewards of up to two miles per dollar on its Venture line and cash-back rewards of up to 1.5 percent on its Capital One Quicksilver consumer cards. Capital One® Spark® Cash for Business is the company's first business card that offers a straightforward 2 percent cash back on every purchase, every day. Unlike other rewards credit cards, Capital One® Spark® Cash for Business doesn't cap cash back rewards or require a spending threshold to qualify redemption.

Depending on how you operate your business, you can request a statement credit for your accrued rewards at any time through the Capital One website, with just a few mouse clicks. Or, if you want to build your cash-back rewards into a more formal accounting process, you can set an automatic redemption for a specific date or for when your cash back rewards hits a predetermined level. No matter how you opt to redeem, your cash rewards don’t expire for the life of the account.

A business credit card for companies with solid credit

Beyond Capital One's generous cash-back rewards, Capital One® Spark® Cash for Business offers a relatively low variable interest rate for purchases and a reasonable annual fee ($0 introductory annual fee for first year; $95 after that) for a business rewards card. In exchange, you'll gain access to multiple business-friendly benefits and features.

This card is for business owners with excellent/good credit. Credit-level guidelines on Capital One’s website say “excellent” applies to those who have never declared bankruptcy or defaulted on a loan; have not been more than 60 days late on any credit card, medical bill, or loan in the last year; and those who’ve had a loan or credit card for three years or more with a credit limit above $5,000. Keep in mind that other factors may determine if you are eligible for this card.

How Spark Cash for Business compares to other business credit cards

Like American Express,a CardRatings.com advertiser, and Chase, Capital One has loaded its line of small-business credit cards with added accounting features. While Chase has developed some more sophisticated reporting tools, depending on where you spend the most, you could earn 5% cash back in select business categories(and pay $0 in annual fees) with the Ink Business CashSM Credit Card. If you're already carrying a traditional American Express charge card, you can use a Spark Cash card at merchants that don't accept American Express.

This page was last updated on October 17, 2017

This card compared to other business cards

Highlighted Offer
$500 Cash Back 
once you spend $4,500 on purchases within 3 months from account opening
Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
Earn up to $400 cash back. Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Terms Apply.
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
12 months
APR:
0% on Purchases
Period:
for 9 months
Purchase APR
17.99% (Variable)
14.24% - 20.24% Variable 
13.24% - 20.24% Variable 
Annual fees
$0 intro for first year; $95 after that
$0
$0
Rates and Fees
CardRatings.com Editorial Staff

Capital One® Spark® Cash for Business details

Cash Back on Gas
2%
Cash Back on groceries
2%
Cash Back on other
2%
Purchase Intro
APR:
N/A
Purchase APR
17.99% (Variable)
Annual Fee
$0 intro for first year; $95 after that

What Capital One says about this card

  • 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

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Highlighted offers
Currently available on the Capital One® Spark® Cash for Business
$500 Cash Back
Once you spend $4,500 on purchases within 3 months from account opening

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Apply online for Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

  • Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
Credit Needed:
Excellent
Apply online for SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
Terms and Limitations Apply
Credit Needed:
Excellent, Good