Name: Capital One Spark Cash
Brand: Capital One

Earn $1,000 cash back

Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening

at Capital One's secure site.
Terms & restrictions apply. See rates & fees.

Rewards Rates
2 - 5% cash-back
Annual Fee
$0 intro for first year; $95 after that
Regular APR
24.49% (Variable)
Recommended Credit
Excellent

at Capital One's secure site.
Terms & restrictions apply. See rates & fees.

At a glance

Rewards Rates

2%: Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
5%: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel

Intro Offer

Earn $1,000 cash back

Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening

Introductory Purchases APR

N/A

Ongoing Purchases APR

24.49% (Variable)

Introductory Balance Transfer APR

N/A

Ongoing Balance Transfer APR

24.49% (Variable)

Ongoing Cash Advance APR

30.49% (Variable)

Ongoing Penalty APR

32.9% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Recommended Credit

740-850Excellent

More Details

Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line

Our Take

TPG editor's rating

2.5

Overview

The Capital One Spark Cash earns a fixed rate 2% cash back on purchases. Business cards are a great way to get a return on purchases and gain perks such as purchase protections and accounting tools. While this card doesn't have bonus categories, the fixed rate makes it an ideal choice for those who want an easy way to earn cash back.

Read the full review

Pros

No foreign transaction fees so you can use this card abroad
Free employee cards, which also earn unlimited 2% cash back
Rewards don't expire and you can redeem cash back for any amount

Cons

Other cards have category bonuses up to 5x
$95 annual fee, although the first year is waived

Who is this card good for?

This card is great for business owners who are looking for an effortless way to earn cash back. The fixed 2% cash back of Capital One Spark Cash takes the guesswork out of redeeming points for maximum value. Businesses that spend little on office supplies or travel related expenses will benefit here as there aren't bonus categories that cater towards those areas.

Earning rewards

With the Capital One Spark Cash you'll earn a fixed 2% cash back. You can also get employee cards at no additional cost and you'll earn 2% cash back on their spending as well.