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Capital One Spark Cash for Business

Credit Card Offer from our Partner
Learn More
using Capital One's secure application
Annual Fee  $0 intro for first year; $95 after that
$500
Welcome Offer
Unlimited 2% Cash Back
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

Earning Rewards

  • 2% Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

Why We Like It

With the Spark Cash, you're earning unlimited 2% back on every purchase, meaning you don't have to juggle different bonus categories or cash back calendars. This is perfect for business owners who spend across a wide variety of categories. These cash back rewards won't expire for the life of the account, and you can redeem your cash back for any amount. Plus, the sign-up bonus is one of the most valuable on the market today.

Top Benefits

  • No foreign transaction fees.
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount.
  • Free employee cards, which also earn unlimited 2% cash back on all purchases.

More Information

  • Earn a one-time $500 cash bonus once you spend $4,500 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
  • Purchase above your credit limit with no hassle and no over-limit fees
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
  • N/A
  • 20.99% (Variable)
  • $0 intro for first year; $95 after that
  • N/A
  • Excellent, Good
Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

The Capital One Spark Cash for Business is a great card to add to your business spending arsenal. While it is sparse with rewards categories, it can be useful to expand your business credit as well as international purchases. This card has no foreign transaction fee. If you want a card where you do not need to deal with bonus points then this is the one for you.

Essential Reading

Unlimited 2% cash back on everything: Capital One Spark Cash for Business credit card review
The top 6 business cash-back credit cards
Best business credit cards of April 2021

Capital One Spark Cash for Business

Point Value
cents
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There isn’t a strict mathematical formula at work here. At some point we’d like to create a system that could calculate a precise value based on award availability, fees, award levels and ease of accrual, but for now these valuations are based on a combination of how much TPG would pay to buy points if given the opportunity, and the overall value I could get from redeeming them.
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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.