Most small business owners appreciate any opportunity to obtain additional cash. The Spark Cash From Capital One 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 Spark Cash From Capital One Designed For?

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

What are the Rates for Spark Cash From Capital One?

Purchases and balance transfers have a rate of 17.99% APR. The penalty rate is 30.40% APR. 

What Are The Fees for Spark Cash From Capital One?

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

There are no foreign transaction 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.

What is the Rewards Program Like for Spark Cash From Capital One?

Cardholders receive 2 percent cash back on all purchases. 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.

How Is Spark Cash From Capital One Better Than Other Credit Cards?

If you love cash back and a straightforward rewards program, the Spark Cash business card from Capital One 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
  • Card Network
  • Credit Score Range
    700 - 850
  • Minimum Age
  • Annual Fee
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • No Annual Fee First Year
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Cashback
  • Balance Computation
    average daily balance
  • Penalty APR
  • Purchases APR
    Starting at 17.99%
  • Balance Transfer APR
    Starting at 17.99%
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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.

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