The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
August 7, 2026 • 7 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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Quick summary
There are several business cards available that focus on cash-back rewards, each with different bonus structures and spending requirements.
Some cards provide higher rewards rates and additional perks for those with significant business expenses, while others offer straightforward rewards with lower or no annual fees.
Key differences include the presence or absence of an annual fee, the size of the welcome bonus, and the minimum spending needed to qualify for bonuses.
Business owners can hold more than one card, but application timing is restricted to one every six months.
What to consider
Applicants should review spending requirements for welcome bonuses and consider if their business expenses align with the card's structure.
Some cards offer a refund of the annual fee if a high spending threshold is met within a year, while others have no annual fee or only a modest one after the first year.
Foreign transaction fees are generally not charged, and complimentary employee cards are available with these products.
What you'll miss from the article
A detailed comparison of each business card's benefits, spending thresholds and which type of business owner each option best suits.
Generated by AI with support from our editorial team.
Capital One offers an expansive suite of personal cards, some of which are at the top of our lists, but it also offers a family of cards designed for businesses.
These cards are known as the Spark cards, and they earn cash back.
Earn $2,000 cash back after spending $30,000 on purchases in the first three months from account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year.
Complimentary employee cards
No foreign transaction fees
No preset spending limit
Receive a refund of your $150 annual fee if you spend $150,000 or more on the card in one year
Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel and an unlimited 2% cash back on all other purchases.
If your business spends a lot each month, consider the Spark Cash Plus.
Welcome bonus
Earn $2,000 cash back after spending $30,000 on purchases in the first three months from account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year.
Annual fee
This card charges a $150 annual fee.
THE POINTS GUY
Rewards
5% cash back on hotels and rental cars booked through Capital One Business Travel.
An unlimited 2% cash back on all other purchases.
Who should apply?
The Spark Cash Plus carries a $150 annual fee. Businesses with high spending should consider this card for its lucrative welcome bonus, which offers unlimited bonus-earning potential in the first year.
Plus, if you spend $150,000 or more in a calendar year, your annual fee will be refunded.
If you'd like to earn unlimited cash back for a lower annual fee, the Spark Cash could be a great fit.
Welcome bonus
Earn $1,000 cash back after spending $10,000 on purchases in the first three months from account opening.
Annual fee
You'll have a $0 introductory annual fee for the first year, then pay a $95 annual fee with this card.
THE POINTS GUY
Rewards
5% cash back on hotels and rental cars booked through Capital One Business Travel.
An unlimited 2% cash back on all other purchases.
Who should apply?
Those looking to earn cash back and redeem any amount at any time should consider this card, as it lets you recoup your expenses and invest them right back into your business.
While the card doesn't have many standout benefits, it is incredibly simple to use and ensures you'll earn at least 2% cash back on all purchases. However, you may have a hard time justifying the card's $95 annual fee after the first year, unless you're spending enough to recoup the annual fee in cash back.
If you're deciding between the Capital One Spark cards, consider:
Whether you want to pay an annual fee
How many bonus categories you want access to
Welcome bonus spending requirements
MASKOT/GETTY IMAGES
If you can meet a high spending requirement for a welcome offer and don't mind paying an annual fee, the Capital One Spark Cash Plus could be a great choice.
If you're willing to pay a lower annual fee and can spend $10,000 on a new card in three months, consider the Capital One Spark Cash.
Finally, if you prefer no annual fee and a lower minimum spending requirement for the welcome offer, you're a solid candidate for the Capital One Spark Cash Select.
Can I have more than one Spark credit card from Capital One?
Yes, you can hold more than one Capital One Spark card at the same time.
It's important to note that you can only apply for one Capital One card every six months. Considering that, make sure to spread your applications out over a long enough time period.
Capital One's Spark business cards can provide an excellent path for business owners to maximize their rewards strategy. It can also be a great way to separate business and personal expenses.
If you plan to apply for one or more of these cards, it’s generally recommended that you apply for no more than one personal and one business card with Capital One in a 60-day window. If you're denied, you can always call the reconsideration line to try and get your application approved.
The Spark business cards can be a great addition to your business as they offer simplicity and flexibility with earning and redeeming rewards.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
