Capital One® Spark® Cash for Business

APPLY NOW
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business 
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval 
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing 
  • $0 intro annual fee for the first year; $59 after that 
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime 
  • Get employee cards at no additional cost, and earn rewards from their business spend
Annual Fee:
$0 intro for first year; $59 after that
Purchase Intro APR:
N/A
Purchase Regular APR:
17.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
17.24%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 23.24%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $39
Penalty APR 29.65%* Variable
Balance Transfer Fee N/A
Foreign Transaction Fee None
Return Payment Fee See Terms*

Rewards

Sign-Up Bonus

Earn $500 after you spend $4,500 in 3 months.

All Purchases

2% cash back per dollar

No cap on spending


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
EXCELLENT START FOR MY BUSINESS
by Anonymous
Helpful to 4 out of 4

I recently opened up this 2% Cash Back Business card and was approved with an initial Credit line of $28,000. I use this card about $6k-10k per month through my business and pay in full each much. 

This is the best cash back for business credit cards. I was very surprised to have such a high starting limit. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
Anonymous
EXCELLENT START FOR MY BUSINESS
by Anonymous
Helpful to 4 out of 4

I recently opened up this 2% Cash Back Business card and was approved with an initial Credit line of $28,000. I use this card about $6k-10k per month through my business and pay in full each much. 

This is the best cash back for business credit cards. I was very surprised to have such a high starting limit. 


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2016 through August 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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