Capital One® Spark® Cash for Business

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  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Annual Fee:
$0 intro, $95 after first year
Purchase Intro APR:
N/A
Purchase Regular APR:
19.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
19.24%*
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 25.24%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $39
Penalty APR 31.65%* 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
Mooner36
2% back on everything is hard to beat
by Mooner36
Helpful to 9 out of 9

I have had this card for 3 years. My initial cl was 20k but I put in for cl increase (not on line) and got it bumped to 50k quickly. I get roughly 6-8k back each year. I like you can redeem with a check and not just a statement credit.

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
Anonymous
Card is good bank is crook
by Anonymous
Helpful to 32 out of 33

 They boot your card once they figure out you are earning more cash back and not keeping your balance or paying off your card on time . My acc was restricted / closed all of a sudden without any reason but a letter sent out to me saying at this time we don’t have any further details on why your acc is being closed and so does the customer service is they will not talk to you or tell you why they closed your acc


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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 November 2018 through April 2019. 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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