Capital One Spark Cash is built for business owners who want straightforward cash back on nearly everything they buy. Its strength is simple, high-rate everyday earning, so it makes the most sense as a primary business spending card for companies with broad expenses rather than niche category-heavy spending.
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Overview
General business spending
Large monthly expenses
Travel booked through Capital One
This card is worth it for businesses that can put a lot of spend on one card and want a simple return without tracking bonus categories. A flat 2% cash back rate is easy to understand and strong for everyday business purchases, especially if your expenses are spread across software, supplies, advertising, shipping, and other categories that many cards do not bonus well. The first-year annual fee waiver also makes it easier to test as a main business card.
After the first year, the $95 annual fee is easiest to justify if your business spends enough for that 2% rate to outpace what you could get from a no-annual-fee business card. The main tradeoff is that this card is light on extra benefits, so its value comes mostly from spending volume, not premium perks. If your business spends heavily in a few specific categories, or you want richer travel protections and credits, another card may fit better.
Capital One Spark Cash is a strong fit for businesses that want uncomplicated, high flat-rate cash back on everyday expenses. Its main limitation is that most of the value comes from steady spending, not from a deep list of perks or bonus categories.
Welcome Offer
when you spend $10,000 within 3 months of account opening
Est. Value
$1,250
Required Spend
$10,000
Time Frame
3 Months
Est. Value
$1,250
Required Spend
$10,000
Time Frame
3 Months
Earning
Spark Cash keeps rewards simple: 2% cash back on almost every business purchase, plus 5% on hotels and rental cars booked through Capital One Business Travel. That makes it easy to use as an everyday business card, especially when your spending does not fall neatly into rotating or specialized categories.
Hotels (Capital One Business Travel), Rental Cars (Capital One Business Travel)
Every Purchase
Benefits
Price match guarantee
If you book your trip through Capital One Business Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$95
Purchase APR
24.49%
Variable
Transfer APR
24.49%
Variable
Cash Advance APR
30.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$39
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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $2,175
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
