Best Of Product
Capital One® Spark® Cash for Business
Would you recommend Capital One® Spark® Cash for Business to your friends?
| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) |
N/A (Verified 05/23/2023)
|
| Balance Transfer APR (Variable APR) |
N/A (Verified 05/23/2023)
|
| Credit Score Range | 740 - 850 |
| Annual Fee | $150 |
| Number of Reviews | 6 |
Capital One® Spark® Cash for Business Review
If you're wondering whether Capital One Spark Cash business is the right card for you, read on.Key Takeaways
- Signup bonus. Offers a signup bonus of up to $1,000 if you spend $4500.
- Annual fee waived the first year. Capital One® Spark® Cash for Business gives you the chance to have the card for a year without paying the $150 annual fee.
- 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 rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Very good credit required. Applicants will typically need a credit score of at least 740 to have good approval odds.
Pros & Cons of Capital One Spark Cash business
| The Good | The Bad |
|---|---|
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What are the relevant APRs?
Capital One Spark Cash business is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $150.
- A late payment penalty of up to $39.
- There is no overlimit fee
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 | $150 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
| Late Payment Fee | $39 |
Does it offer a cash back or rewards program?
Yes, Capital One Spark Cash business 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:
- Advertising Services
- Airfare
- Amazon.com
- Car Rentals
- Internet, Cable and Phone Services
- Drug Stores
- Education
- Every Purchase
- Furniture
- Gas stations
- Groceries
- Gyms
- Home Improvement
- Hotels
- Insurance
- Office Supply Stores
- Restaurants
- Retail
- Shipping
- Software, Hardware, Cloud
- Utilities
- Warehouse Clubs
Does it have a sign up bonus?
Yes, it offers card users a signup bonus worth up to $1000 after you spend $4500.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
What are the benefits?
This business credit card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Fraud Liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (877) 383-4802.
What is the support contact email?
The support contact email for this business credit card is support@capitalone.com.
How do people rate the customer service and user experience?
Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.
Does Capital One® Spark® Cash for Business report your account activity to credit bureaus?
Yes, Capital One® Spark® Cash for Business reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the Capital One website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From Capital One Spark Cash business
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 USA - (877) 383-4802
- Visit Site
- Email Support
Other Services by Capital One
Other Business Credit Cards by Capital One
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Annual Fee | $150 |
| Cash Advance Fee (%) | 3% |
| Cash Advance Fee Minimum | $3 |
| Foreign Currency Transaction Fee | 0% |
| Late Fee Amount | $39 |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Over-Limit Fee | $0 |
Capital One® Spark® Cash for Business Community Reviews
Would you recommend Capital One® Spark® Cash for Business to your friends?
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