Features

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 17.74% APR. The penalty rate is 30.15% 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
    Business
  • Card Network
    Visa
  • Credit Score Range
    700 - 850
  • Minimum Age
    18
  • Annual Fee
    $59
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $39
  • 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
    30.15%
  • Purchases APR
    Starting at 17.74%
  • Balance Transfer APR
    Starting at 17.74%
js-table-filter bizname-spark-classic-from-capital-one
0
js-table-filter ccard-type-222
js-table-filter ccard-type-136
js-table-filter cashback-135
600
js-table-filter every-purchase-138
23.74
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1994

  • Cashback
  • Every Purchase
  • No Annual Fee
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 600
Purchases APR 23.74%
Balance Transfer APR 23.74%
190
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
700
js-table-filter every-purchase-138
17.74
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1994

  • Cashback
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 17.74%
Balance Transfer APR 17.74%
058
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
700
js-table-filter every-purchase-138
13.74
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

Est. 1994

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Cash Back
Card Type Rewards
Credit Score Range 700
Purchases APR 13.74%
Balance Transfer APR 13.74%
048
js-table-filter bizname-capital-one-spark-miles-business-card
js-table-filter air-miles-136
59
js-table-filter ccard-type-223
js-table-filter ccard-type-136
700
js-table-filter every-purchase-138
17.74
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1994

  • Air Miles
  • Every Purchase
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $59
Card Type Travel
Card Type Rewards
Credit Score Range 700
Purchases APR 17.74%
Balance Transfer APR 17.74%
068
js-table-filter bizname-spark-miles-select-from-capital-one
js-table-filter air-miles-136
0
js-table-filter ccard-type-223
js-table-filter ccard-type-136
700
js-table-filter every-purchase-138
13.74
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

Est. 1994

  • Air Miles
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Travel
Card Type Rewards
Credit Score Range 700
Purchases APR 13.74%
Balance Transfer APR 13.74%
158
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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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