Capital One® Spark® Cash for Business
in Business Credit Cards from Capital One
Would you recommend Capital One® Spark® Cash for Business to your friends?
| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) | 13.24% - 19.24% |
| Balance Transfer APR (Variable APR) | 20.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $95 |
| Number of Reviews | 6 |
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.
| The Good | The Bad |
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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.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business credit card does not offer an introductory rate on new purchases.| Purchase APR | 13.24% - 19.24% |
| Balance Transfer APR | 20.99% |
| Cash Advance APR | 26.99% |
| Penalty APR | 29.4% |
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 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 | $95 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
| Late Payment Fee | $39 |
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)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.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.
Message From Capital One® Spark® Cash for Business
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 - Visit Site
- Email Support
Other Services by Capital One
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| 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 |
Capital One® Spark® Cash for Business Community Reviews
Would you recommend Capital One® Spark® Cash for Business to your friends?
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