Our Take
5.0
The bottom line:
Capital One Spark Cash
on Capital One's website
More details from Capital One
- For businesses that want to earn 2% cash back on all purchases with the stability that comes with a traditional credit line
- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
- $0 annual fee for the first year; $95 after that
View Rates & Fees
Pros & Cons
Pros
- High rewards rate
- No foreign transaction fees
Cons
- Requires excellent credit
- High APR
Compare to Other Cards
at Capital One | at Chase | at American Express |
Annual fee $95 | Annual fee $95 | Annual fee $0 |
Regular APR 25.74% Variable APR | Regular APR 20.74%-26.74% Variable APR | Regular APR 17.74%-25.74% Variable APR |
Intro APR N/A | Intro APR N/A | Intro APR 0% intro APR on purchases for 12 months from the date of account opening |
Recommended credit score 720-850excellent | Recommended credit score 690-850good - excellent | Recommended credit score 690-850good - excellent |
Full Review
Capital One Spark Cash: Basics
- Card type: Cash-back business credit card.
- Annual fee:$0 intro for the first year, then $95.
- Sign-up bonus:Earn a one-time $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening..
- Ongoing rewards:Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions.
- Interest rate:The ongoing APR is 25.74% Variable APR.
- Foreign transaction fees: None.
- Other benefits:
- Earn 5% cash back on hotels and rental cars booked through Capital One Travel.
- Free employee cards with the ability to set spending limits for each card.
- Itemized year-end spending reports.
- Option to download purchase records quickly and securely to accounting software, including Quicken, Quickbooks and Excel.
Why you might want the Capital One Spark Cash
Simple, generous rewards on everything
Big sign-up bonus
No foreign transaction fees
Why you might want a different card
Annual fee only makes sense for big spenders
No 0% APR offer
Is the Capital One Spark Cash right for you?
on Capital One's website
Frequently Asked Questions
New elevated offer