Capital One® Spark® Cash for Business Review

Who is Capital One® Spark® Cash for Business designed for?

Capital One® Spark® Cash for Business is a credit card issued by Capital One. 

This card is designed for businesses with good credit. The minimum credit score to apply is 700.

What are the relevant APRs for Capital One® Spark® Cash for Business?

Capital One® Spark® Cash for Business has a variable purchase APR of 18.74%. The card has a variable balance transfer APR of 18.74% .

It also has a variable cash advance APR of 24.74% . Note that late payments are subject to an APR of 31.15% 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 are the Capital One® Spark® Cash for Business fees?

The following fees apply to Capital One® Spark® Cash for Business:

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

Is there a Capital One® Spark® Cash for Business cash back or rewards program?

The rewards program allows you to earn cash with every purchase you make. This card offers rewards to businesses that use the card to make purchses in the following categories:

• Every Purchase

What are the Capital One® Spark® Cash for Business benefits?

Capital One® Spark® Cash for Business provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Fraud Liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

Does Capital One® Spark® Cash for Business report your account activity to credit bureaus?

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 can help improve your credit score.

How to apply for Capital One® Spark® Cash for Business

• 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.