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  Capital One® Spark® Cash for Business
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Capital One® Spark® Cash for Business

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SuperMoney Net Recommendation Score +67  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

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

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Highlights
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
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Capital One® Spark® Cash for Business reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Charges an annual fee of $150

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.

Capital One Spark Cash business Fees
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.
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.

Message From Capital One Spark Cash business

Great for businesses that often pay in full and want no annual fee. Get cash back rewards for any amount at any time with no expiration date for the life of the account. Set up AutoPay so you don’t have to worry about signing into your account every month. If your card is lost or stolen, you can get an emergency replacement and a cash advance. Get an itemized report of your spending to simplify budgeting and tax time. Assign an account manager to make purchases and payments, review transactions and resolve any problems. Quickly and securely download your purchase records into multiple formats including Quicken®, QuickBooks® and Excel®. Make safer payments online without exposing your actual card number with merchants.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Capital One

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Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Business
Minimum Age 18
Credit Score Range 740 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.
Rewards Categories
  • Up to 2% Cash Back on Every Purchase
Signup Bonus $1,000
APR Type Variable APR
Balance Computation Your minimum payment will be equal to your new balance. We will also add any past due amount, including any late fees, to your minimum payment.
Balance Transfer Fee % 0%
Card Network Visa
Card Type
  • Rewards
  • Cashback
  • Charge Card

Capital One® Spark® Cash for Business Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

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.

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