Capital One® Spark® Cash for Business

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  • 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 from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Annual Fee:
$0 intro, $95 after first year
Purchase Intro APR:
N/A
Purchase Regular APR:
17.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
17.99%*
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 23.99%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $39
Penalty APR 30.40%* Variable
Balance Transfer Fee N/A
Foreign Transaction Fee None
Return Payment Fee See Terms*

Rewards

Welcome Bonus

Earn $500 after you spend $4,500 in the first 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
not2shabbe
great business card
by not2shabbe
Helpful to 4 out of 4

2 percent on every purchase and other great  perks ,fidelity visa, barclay arrival+ and capital one world elite venture all give 2 to 1 on all purchases

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 Negative Review
yellayella82
Stingy credit limits
by yellayella82
Helpful to 4 out of 4

I have had this business card for over a year and was only given a $1,000.00 CL to start.  Since, I have only received a $100.00 CLI which was 3 months after getting the card (I have a total of $1100).  My business uses this card responsibly and I cannot get a CLI for the life of me.  The account was eligable for a "manual review" and they still did not approve a CLI.  My personal credit is inbetween fair and good.  I even have a personal card with Capital One with a higher limit than this.  So far I am not happy with this card.  


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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 June 2017 through November 2017. 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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