SuperMoney

Capital One® Spark® Cash for Business

in Business Credit Cards from Capital One

Claimed Visit Site

Capital One® Spark® Cash for Business

Claimed

in Business Credit Cards from Capital One

SuperMoney Net Recommendation Score +60%

SUPERMONEY NET RECOMMENDATION SCORE

+60%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly recommended

3 users recommend
2 users are unsure
0 users don't recommend
Cast your vote
Cast your vote

Would you recommend Capital One® Spark® Cash for Business to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 18.74%
Balance Transfer APR  (Variable APR) 18.74%
Credit Score Range 700 - 850
Annual Fee $95
Number of Reviews 5

Capital One® Spark® Cash for Business Review

Capital One® Spark® Cash for Business FAQ

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.

Does Capital One® Spark® Cash for Business have an introductory APR offer?

No, Capital One® Spark® Cash for Business does not come with an introductory APR offer for balance transfers.

Capital One® Spark® Cash for Business does not offer an introductory rate on new purchases.

Capital One® Spark® Cash for Business Rates & Terms
Purchase APR 18.74%
Balance Transfer APR 18.74%
Cash Advance APR 24.74%
Penalty APR 31.15%

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

Does Capital One® Spark® Cash for Business have a foreign transaction fee?

Capital One® Spark® Cash for Business 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.

Capital One® Spark® Cash for Business Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Late Payment Fee $39

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:

  • 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.

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.
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.

Feature Breakdown

Every Purchase (Points) Get unlimited 2% cash back and you could be putting thousands of dollars back into your business
Foreign Currency Transaction Fee 0%
No Annual Fee First Year  
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $0
Annual Fee $95
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Late Fee Amount $39
Customer Type Business
Minimum Age 18
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards Earn a one-time $500 cash bonus once you spend $5,000 on purchases within the first 3 months from account openingfootnote
Rewards Rates Every Purchase
Rewards Type Cash Back
Signup Bonus $500
Balance Computation average daily balance (including new transactions)
Cash Advance APR (Variable APR) 24.74%
Penalty APR (Variable APR) 31.15%
Purchase APR (Variable APR) 18.74%
Balance Transfer APR (Variable APR) 18.74%
Card Network Visa
Card Type Cashback

Capital One® Spark® Cash for Business Community Reviews

 

Would you recommend Capital One® Spark® Cash for Business to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

+60%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

sorted by

Other Business Credit Cards

Capital One Business Credit Cards

Loading...