Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business Review

• Signup bonus. Offers a signup bonus of $500 if you spend $4500.
• Competitive APRs. Capital One® Spark® Cash for Business has a variable purchase APR that ranges from 13.24% up to 19.24%.
• 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 $95 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.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Who is Capital One Spark Cash business designed for?

This is a credit card issued by Capital One. 

This business card is designed for small business owners with good credit. The minimum credit score to apply is 700.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 13.24% up to 19.24%. The card has a variable balance transfer APR of 20.99% .

It also has a variable cash advance APR of 26.99%. Note that late payments are subject to an APR of 29.4% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What fees does it charge?

The following fees apply to this business credit card:

• An annual fee of $95.
• A late payment penalty of up to $39.
• There is no overlimit fee

Does it offer a cash back rewards program?

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

Can I get it with just an employer identification number (EIN)?

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 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.