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Rewards rate
2% - 5%Cash backAnnual fee
$0 intro for first year; $95 after thatWelcome bonus
$1,500
Additional rates & fees
- Annual fee
- $0 intro for first year; $95 after that
- Intro purchase APR
- N/A
- Regular purchase APR
- 25.24% (Variable)
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- 25.24% (Variable)
- Cash advance APR
- 31.24% (Variable)
- Cash advance fee
- 5% of the amount of the cash advance, but not less than $5
- Late fee
- Up to $39
- Penalty APR
- 33.65% (Variable)
- Balance transfer fee
- Balance transfers are not available on Spark Cash
- Foreign transaction fee
- None
- Return payment fee
- See Terms*
* 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 "Continue" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Limited-time offer: Double your cash bonus from $750 to $1,500 once you spend $15,000 within 3 months of account opening
- For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- 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
- No foreign transaction fees