Features

Most small business owners appreciate any opportunity to obtain additional cash. The Capital One Spark Cash Business card provides one of the more generous cash back programs. But high fees and a steep penalty APR can wipe out any potential savings.

Who Is the Capital One Spark Cash Business Card Designed For?

The Capital One Spark Cash Business Card is designed for business owners and entrepreneurs. It is not a general consumer card, nor is it intended for students.

Are There Annual Fees?

There are no annual fees the first year. After the first year, the annual fee is 59 dollars.

Does the Capital One Spark Cash Business Card Offer Rewards?

Cardholders receive 2 percent cash back on all purchases, plus a one-time bonus of 50 dollars for adding one or more employee cards during the first 60 days after opening an account. There are no limits on cash back awards, and cash back awards never expire. Cardholders also benefit from 0 dollar fraud liability, 90-day purchase protection, extended purchase protection, travel and emergency assistance and auto rental collision damage waiver protection.

Are There Foreign Transaction Fees?

There are no foreign transaction fees.

Are There Late Payment or other Penalty Fees?

Late payments are charged 39 dollars. Cash advances are charged either 10 dollars or 3 percent of the total transaction, whichever is greater. There are no fees for balance transfers, returned credit or going over your assigned credit limit.

Summary

If you love cash back and a straightforward rewards program, the Capital One Spark Cash Business Card is tailor made for you. Especially if you are diligent about maintaining on-time payments and can qualify for the lowest APR, you could reap significant savings from this card. But if you're lax about paying on time, the steep penalty APR could wipe out much if not all potential savings you would otherwise gain.

  • Card Type
    Cash Back Rewards
  • Customer Type
    Business
  • Card Network
    Visa
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $39
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Penalty APR
    29.65%
  • Purchases APR
    17.24% - %
  • Balance Transfer APR
    17.24% - %
js-table-filter bizname-capital-one-spark-classic-business-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
23.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Purchases APR 23.24%
Balance Transfer APR 23.24%
090
js-table-filter bizname-capital-one-spark-cash-business-card
59
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
17.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Cash Back
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 17.24%
158
js-table-filter bizname-capital-one-spark-cash-select-business-card
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
13.24
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
048
js-table-filter bizname-capital-one-spark-miles-business-card
js-table-filter air-miles-136
59
js-table-filter ccard-type-136
js-table-filter every-purchase-138
17.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 17.24%
168
js-table-filter bizname-capital-one-spark-miles-select-business-card
js-table-filter air-miles-136
0
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter every-purchase-138
13.24
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Travel
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
058
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...

Reviews

Write a Review

Sort by:

  • Rating
  • Date
  • Most Useful

0 votes

Like a lot of credit cards, the Capital One Spark Cash Business card has an annual fee. But it's $59, which is not outrageous, plus it's waived the first year. You could earn that much in cash back. The cash back program is nice because you don't have to worry about those silly rotating categories. All in all, this is a pretty good card to have.


New Review for Capital One Spark Cash Business Card

Rate your experience:

Cancel