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Spark Cash for Business From Capital One

in Business Credit Cards

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Spark Cash for Business From Capital One

Unaffiliated

in Business Credit Cards

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Overview

Most small business owners appreciate any opportunity to obtain additional cash. The Spark Cash From Capital One card provides one of the more generous cash back programs. But high fees and a steep penalty APR can wipe out any potential savings.

Who Is Spark Cash From Capital One Designed For?

The Spark Cash From Capital One card is designed for business owners and entrepreneurs. It is not a general consumer card, nor is it intended for students.

What are the Rates for Spark Cash From Capital One?

Purchases and balance transfers have a rate of 17.99% APR. The penalty rate is 30.40% APR. 

What Are The Fees for Spark Cash From Capital One?

There are no annual fees the first year. After the first year, the annual fee is 59 dollars.

There are no foreign transaction fees. Late payments are charged 39 dollars. Cash advances are charged either 10 dollars or 3 percent of the total transaction, whichever is greater. There are no fees for balance transfers, returned credit or going over your assigned credit limit.

What is the Rewards Program Like for Spark Cash From Capital One?

Cardholders receive 2 percent cash back on all purchases. There are no limits on cash back awards, and cash back awards never expire. Cardholders also benefit from 0 dollar fraud liability, 90-day purchase protection, extended purchase protection, travel and emergency assistance and auto rental collision damage waiver protection.

How Is Spark Cash From Capital One Better Than Other Credit Cards?

If you love cash back and a straightforward rewards program, the Spark Cash business card from Capital One is tailor made for you. Especially if you are diligent about maintaining on-time payments and can qualify for the lowest APR, you could reap significant savings from this card. But if you're lax about paying on time, the steep penalty APR could wipe out much if not all potential savings you would otherwise gain.

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...

Feature Breakdown

No Fees
Grace Period for Late Payment (Days)
25
Foreign Currency Transaction Fee
0%
No Annual Fee First Year
 
No Foreign Transaction Fee
 
List of Fees
Late Payment Penalty
$39
Annual Fee
$95
Minimum Age
18
Credit Score Range
700 - 850
850 300 700
Customer Type
Business
Car Rental Insurance
 
Extended Warranty
 
Fraud Liability
 
Travel Insurance
 
Emergency Support
 
Flight Insurance
 
Lost Luggage Insurance
 
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Purchase Protection
  • Travel Assistance
Every Purchase
2%
Rewards Categories
  • Every Purchase
Signup Bonus
$500
Percentage
Purchase APR
(Variable APR)
Starting at
18.49%
Percentage
Cash Advance APR
(Variable APR)
Starting at
24.49%
Balance Computation
average daily balance
Penalty APR
30.9%
Percentage
Balance Transfer APR
(Variable APR)
Starting at
18.49%

Reviews

 
 

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Reviews

Purchase APR

Balance Transfer APR

Annual Fee

Credit Score Range

Spark Classic for Business From Capital One

Spark Classic for Business From Capital One

 
6
 
8 total votes
Starting Purchase APR 24.49% Starting Variable APR
Starting Balance Transfer APR 23.99% Starting Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 600 - 750     300 850
Spark Cash Select From Capital One

Spark Cash Select From Capital One

 
 
1
1 total votes
Purchase APR 14.49% - 22.49%
(Variable APR)
    12% 30% Variable APR
Balance Transfer APR 14.49% - 22.49%
(Variable APR)
    12% 25% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850     300 850
Spark Miles From Capital One

Spark Miles From Capital One

1
 
 
1 total votes
Starting Purchase APR 18.49% Starting Variable APR
Starting Balance Transfer APR 18.49% Starting Variable APR
Annual Fee $95 Annual Fee
Credit Score Range 700 - 850     300 850
Spark Miles Select From Capital One

Spark Miles Select From Capital One

 
1
 
1 total votes
Purchase APR 14.49% - 22.49%
(Variable APR)
    12% 30% Variable APR
Balance Transfer APR 14.49% - 22.49%
(Variable APR)
    12% 25% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850     300 850