Last Updated: 03/30/2026
SuperMoney User Recommendation Score +71
Strongly recommended7 total votes
Cast Your Vote
Compare All Business Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
24.99%(Verified 10/08/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
24.99%(Verified 10/08/2025)
Disclaimer popup with additional information
Annual Fee
$95
Disclaimer popup with additional information
Credit Score Range
740 - 850
Number of Reviews
Capital One® Spark® Cash Review
This is a cashback card issued by Capital One. If you're wondering whether Capital One® Spark® Cash is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 24.99%
- $0 intro annual fee for the first year. $0 intro for first year; $95 after that
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Capital One® Spark® Cash
| The Good | The Bad |
|
|
What are the relevant APRs?
This business credit card has a variable purchase APR of 24.99%. The card has a variable balance transfer APR of 24.99% .
It also has a variable cash advance APR of 30.99%.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 24.99% |
| Balance Transfer APR | 24.99% |
| Cash Advance APR | 30.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95 ($0 intro for first year; $95 after that) .
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
Does it offer a cash back or rewards program?
Yes, Capital One® Spark® Cash offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Car Rentals
- Every Purchase
- Hotels
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Capital One® Spark® Cash
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed